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Why You Need Mobile Insurance
By Philip Nicosia
Every 45 seconds, somebody loses his mobile phone. That’s 700,000 people a year—and considering the cost of today’s mobile phones, over a million worth of property.

But we all know that when we lose our phone, the cost of the unit is the least of our concerns. Many of us store priceless information on our mobile phones. It’s got the contact numbers of clients, associates, family and friends. It’s got photos and videos from family vacations. It’s got schedules and to do lists, which are a headache to reconstruct. And there’s the hassle of having to replace the unit, recover all that information, and then—when the bill arrives—contest the cost of all the calls the thief may have made before you reported it.

That’s where mobile insurance comes in handy. This type of policy was developed to address the needs of the digital society, where people use mobile phones and PDA’s for practically everything. Plus, they bring it everywhere, making them more vulnerable to theft or even damage. Who hasn’t experienced dropping the phone? Or what about the time you were caught in a really strong sudden downpour, and your bag (and the you were covering inside it) was drenched so badly that you had to get a towel to dry everything off.

Mobile insurance provides necessary protection against the loss of, or damage to, mobile phones and personal digital assistants (PDAs). It can repair or replace a damaged or lost with a similar unit (if that unit is out of stock or has since been discontinued, you will be given a equal in value, after inflation). Mobile insurance can also help owners complain about unauthorized

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