Top Three Tips to Better Insurance for Your iPhone 3GS

So now you are the proud owner of the latest iPhone model from Apple, the latest update boasts full video capture and much faster operating speeds, previous models lacked this extra and advanced functionality.

It would be worth noting, as with all the latest versions of electrical equipment, which the price will undoubtedly go up; the newest edition to the iPhone family offers no change to this trend, with the 3GS model significantly higher than its predecessor .

New owners of Apple's latest iPhone need to ask themselves a question, and that's weather they should protect their new 3GS iPhone from common occurrences like loss, theft and accidental damage, with something like stand alone iPhone insurance cover, or make sure insurance is included within your household contents insurance as the replacement cost will be the best part of four hundred pounds.

It's not a simple straight forward question though, as there are variables that could make some of the iPhone insurance cover options better for one person, yet on the other hand, for another person, this could not be the best option available. So let's take a brief look at the protection cover available for iPhone's for the average person on the street.

The first option we should look at is including your iPhone on your home contents insurance policy. This is an obvious first choice and may well be a good option for many iPhone owners, that is, indeed, if you actually have home contents insurance in the first place, as many people tend to take a gamble on this, especially younger people in rented accommodation. One point to clarify before you get iPhone insurance cover through your content insurance, is the excess charge in the event of a claim and, secondly, if a claim for three or four hundred on you contents insurance, will the price rocket next year, as you may well loose your no claims bonus.

A second option is the network provider's iPhone insurance you will be offered when you first take out your iPhone contract. This is an area where caution is needed, as phone sales staff are trying to push their companies insurance on you to meet there sales quota. You will almost always find, this will be the most expensive cover and may not cover you for what is really needed, like loss and water damage. At this point you would be better asking for a written copy of the insurance terms and conditions, sitting down and reading them, rather than taking the sales reps word for it, you may well be shocked.

The last insurance alternative for your iPhone is the stand alone policy. Getting quite popular and more readily available, this type of insurance will quite often offer a better protection policy for your money, when compared to phone networks own insurance. Simply Google iPhone insurance and you will easily find some of the independent iPhone insurance companies who offer cover for getting on half the cost of the phone networks own iPhone insurance cover.