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Apple iPhone insurance is definitely a pretty touchy subject for me. After all, I lost two brand-new iPhones within a two-month period, and guess what, they weren’t insured. I couldn’t believe it. The main reason I didn’t get my act together and insure my precious phones was because I was disgusted with the amount I had to pay through the ‘big swinger’ high street providers.

Are you having the same issues? Well dont hold off and make the same mistakes I did. Save yourself £1000 and alot of heartbreak and stress. The key is though not to go with the expensive £15 per month option. Follow my three little loopholes below and you will save yourself plenty of cash.

Apple iPhone Insurance - TOP 3 LOOPHOLES

1. Online Insurance companies are the way forward - No overheads = lower premiums. It makes sense right? Carry out a simple Google search for ‘Apple iPhone insurance’ and you will quickly see that there is a huge amount of companies out there who will save you up to 50% on the high street prices, for exactly the same cover. What really bugs me is the large corporations think they have the market cornered, and most people dont even question the high premiums. Find a good online company, do your research and save yourself up to 50%. Its that easy - why haven’t you done it before?

2. Do you have a premium bank account? - Another sneaky loophole to save money on Apple iPhone insurance. Some banks offer their premium bank account holders FREE mobile phone insurance. Lloyds TSB for example offer fantastic cover which wont cost you a penny. The only downside is that not everyone will qualify for this account. Be prepared though to really work for your claim by filling out alot of paperwork. And also check the amount that the bank will pay out, as it usually wont be the total amount for the latest iPhone. Still though, its pretty spectacular cause its free!

3. Are you a home owner? - Another really cool loophole that’s available to most people. When you purchase a home, you will almost definitely have home contents cover. What this means is that you will be able to protect your personal belongings (on top of household goods such as flat screen TVs) when you are inside and outside your home. For example, this may include gold watches, engagement rings and yep, you guessed it, mobile phones! An important point to remember is that you dont want to make a claim and break your no claims bonus. But I actually rang up and added ‘no claims bonus protection’ to my policy for a nominal amount per month. it really was that easy. Again, you may not be covered for the full amount of your mobile phone, and you will also have to fill out quite a bit of paperwork to make a claim.

So there you have it folks, my top three loopholes on how to save money on Apple iPhone insurance.

My number one loophole however is going with an independent company, mainly because its hassle free, fast and offers the best value for money. The most impressive product researched was found at Cheap iPhone Insurance

I have also developed an iPhone 3Gs Insurance website which will go into much more detail than written here. Check out a few more fantastic, free tips!

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Did you know that the high street providers are charging upwards of £15 per month for their iPhone insurance products? I don’t know about you, but it makes me really angry that these guys think they can get away with charging so much as they believe they have the market cornered. I think its time for an iPhone Insurance Review to find the best ways to save money and exploit a few cheeky loopholes.

Have you ever had that feeling where you have arrived home from the gym only to find you cant find your phone anyway? I can guarantee you that a high proportion of you have. Your heart starts beating faster and then the panic hits! You lose all your numbers, photos and music! What a nightmare. Well it happened to me twice in the past year. Both times my brand spanking new iPhone 3Gs was stolen from under my nose - they are targets for thieves my friends. But the worst part was that I wasnt insured, mainly because I refused to pay the extortionate prices quoted to me by the high street providers.

Let me help you with an ‘iPhone insurance review’ and a few loopholes i picked up when i started doing a bit of hardcore research.

iPHONE INSURANCE REVIEW - 3 TIPS TO SAVE YOU MONEY

1. Try the independent insurance companies - There are a huge amount of companies selling iPhone insurance at up to 50% of the high street providers total cost. Just do a quick search on google to find the top 10 companies. It is really a no brainer, and i dont understand why more people out there dont make the effort to do a bit of research to find the best price. Just make sure the cover has everything you require, no tie in period, as well as a full money back guarantee within a 30 day period just in case you want to change your mind.

2. Try your home contents insurance company - A sweet little loophole, which you must take advantage of! Its a little known fact that these guys can cover your phone for a small additional fee, usually to protect your no claims bonus which is highly recommended. Again make sure that the whole amount of your iPhone’s worth is covered, and be prepared to jump through some serious hoops to get paid. The disadvantage of this method is that you most likely wont get your new iPhone within 24 hours.

2. Try your bank - Who would have thought in this day and age you can get something for nothing from your bank? That’s crazy talk! But its true. Lloyds TSB bank offer a ‘premium account’ service for most of their customers which include mobile phone insurance as part of their package. But be warned, they wont cover for the full amount of the £600 required for the latest iPhone. But who says you cant use a combination of the above?

So there you have it folks, a very comprehensive iPhone insurance review which has provided you with a few great loopholes which will save you money. How do i know - because I used these principles myself.

My number one loophole however is going with an independent company, mainly because its hassle free, fast and offers the best value for money. The most impressive product researched was found at Cheap iPhone Insurance

I have also developed an iPhone 3Gs Insurance website which will go into much more detail than written here. Check out a few more fantastic, free tips!

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Are you sick and tired of having to pay ridiculous rates when insuring iPhones with your local High street provider? Or have you not even bothered to insure your iPhone because you cant afford it? These are problems that I encountered recently, and I decided that I would not bother with insurance. After all the charge of £15+VAT per month was almost half of my monthly tariff! Crazy isn’t it? Well anyway, that was a bad decision as I lost my iPhone twice within a 6 month period. Please guys, don’t make my mistake!

Well, it was third time luck for me, and I decided the best way to find out some insuring iPhone loopholes which would save me money was to get online and do some research. Much like you guys are doing now - well done, you have taken the first step. It took me a little while, however, in the end I managed to save around 50% which is a significant amount on a yearly basis. Why don’t you guys read on and learn about the sneaky ways to save money. Good luck!

BEST WAYS OF INSURING iPHONES - MY TOP THREE LOOPHOLES

1. Find an online insurance agent - Its not rocket science guys. A simple quotation mark search for ‘insuring iPhone’ resulted in over 85,000 results. There are MANY people trying to cut you a good deal, and you can use these kind of numbers to negotiate a big discount. Although be aware that many of providers you speak to will be backed by Equity Redstar who are owned by the Lloyds Group. A lot of the time you will find that you can negotiate up to a 50% discount on exactly the same product as you will find locally.

2. Enquire at your bank - In today’s difficult financial climate, for me it was hard to believe that a bank, such as Lloyds TSB, was willing to offer something for nothing. Well, its true. If you are a premium account holder then you will be eligible for free insuring iPhone cover up to a certain amount. Last time I checked, they would not cover the full amount for a brand new latest model iPhone, but still its a pretty good little loophole. Be prepared to work your way through a barrage of paperwork though!

3. Enquire with you home contents insurance - If you are a homeowner, the you will almost definitely have contents insurance which will surprisingly cover you for a number of personal belongings inside and outside of your house. One of these being mobile phones! Pretty cool hey, and something those greedy high street guys wouldn’t want you to know about. Again, usually they wont cover you for the full amount of your brand spanking new iPhone, but they will pay for some of it. Why not use a combination of the above?

There you go ladies and gentleman. A few simple loopholes that should save you lots of money.

My number one loophole however is going with an independent company, mainly because its hassle free, fast and offers the best value for money. The most impressive product researched was found at Cheap iPhone Insurance

I have also developed an iPhone 3Gs Insurance website which will go into much more detail than written here. Check out a few more fantastic, free tips!

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Did you know that iPhone insurance in the UK is a completely different ‘kettle of fish’ to anywhere else in the world? Usually the mobile phone tariff is set at a certain amount, and then the same ‘high street provider’ offers an insurance fee on top of this tariff. Well you can imagine my concern when I found out that the insurance costs were almost half the amount of the actual tariff for my new iPhone 3GS. Have you found this to be the case in the UK as well?

The reason I am writing this article is because I lost my iPhone twice within a 1 year period, and on both occasions I didn’t have insurance. Imagine yourself waking up like me after a big night out on the town only to realise that you left your phone in the back of a cab! I kid you not folks, that’s a really terrible feeling! And I would advise you not to bury your head in the sand like I did, and get yourself some insurance! The latest iPhones will set you back £600 to replace, and the iPhone insurance UK costs are currently sat at around £15 per month. Let me help you with a few UK only loopholes I have found that not many of you will know about!

iPhone INSURANCE UK - 3 MONEY SAVING LOOPHOLES

1. Check out the many UK based independent insurance companies - Did you know that typing ‘iPhone insurance UK’ into Google return over 18,000 results? There are so many great companies out there that are under-cutting the high street providers by up to 50%. Its not really hard to find a great company which will pop up on the first page of the Google results - trust me! Just make sure that the company will deliver you your phone within 24 hours, and they also will let you leave at any time. No use being tied in for 12 months if you don’t have to be!

2. The UK banks can be quite generous you know - Its hard to believe isn’t it? But the banks will actually offer you free mobile phone insurance up to a certain payout as long as you have a premium bank account with them. Lloyds TSB are an excellent example of a UK bank who offer this service. If you don’t have a premium bank with them, then why not call up and ask! Its free. Be prepared though to go through mountains of paperwork, and also check how much they will payout - we all know how expensive an iPhone 3Gs is!

3. Try your home insurance provider - Again, another cheeky loophole which not many people know about. Here in the UK, these guys have whats called a ‘personal belongings’ category. And whatever is in this category is covered inside and outside the house. It could be a diamond ring, watch or brand new iPhone 3Gs. Just make sure that you also organise no claims bonus protection, and check what the max payout will be. Again, be prepared to jump through hoops!

So there you have it people, 3 very cheeky loopholes which will save you mountains and mountains of dosh (well not quite, but you get my drift).

My number one loophole however is going with an independent company, mainly because its hassle free, fast and offers the best value for money. The most impressive product researched was found at Cheap iPhone Insurance

I have also developed an iPhone 3Gs Insurance website which will go into much more detail than written here. Check out a few more fantastic, free tips!

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