Don’t worry, you’re not alone. Recent research by phone network O2 found that up to 7.5 million people in Britain are walking around with cracked phone screens.
These numbers aren’t a surprise to insurance companies. Since 2010, Ageas has seen a huge increase in people claiming for accidental damage to their phones on their home insurance. Back in 2010, when the iPhone 4 was blowing our minds and Angry Birds was taking over the world, just one in every 25 (3.69%) accidental damage claims was about phones. Fast forward to 2017, with the iPhone X marking a notch on our screens, and that number has dramatically increased. Now, one in every six (17.29%) accidental damage claims for is for a broken phone.
Are you covered?
So what should you do if you drop your phone? Well, first of all, and ideally before your phone gets damaged, make sure your home insurance policy actually covers you. In recent years, accidental damage has become a popular home insurance policy feature but it’s not automatically part of every policy.
Also, accidental damage usually refers to accidents in the home, so if you’ve dropped your phone out and about, you need to check if you’ve got personal possessions cover for outside the home. It’s worth noting that this cover sometimes comes with limits regarding the value of items, so check the value of any cover you have.
Type of phone
To get you the right replacement, your insurer will need to know exactly which phone you have. Saying it’s an iPhone or Samsung won’t be enough information. Do you know whether you’ve got an iPhone 6 or 7 or 8? What about a Samsung Galaxy, is it an S7, S8 or S9? Is it a plus model or a regular size?
It’s helpful to have your IMEI number to hand too. This is a unique reference number for your phone. It is usually a 15 digit code and helps verify your phone is actually yours. It also identifies the exact make and model of your phone. Your insurer will likely need it to help speed up the processing of your claim. IMEI numbers can usually be found by looking at your phone’s settings menu.
Protecting your phone
Of course, the best thing to do is to ensure your phone isn’t damaged in the first place. A good phone case can help. Some are more protective than others. Although it’s appealing to get the best looking case or one that reflects your personality, one that properly protects your handset might prove a wise investment.
It might also be wise to avoid using your phone while on the loo. Three-quarters (75%) of people say they do this, but phones splashing into the pan are not unknown to claims departments.
So, in summary, check your cover, make a note of your IMEI number and take some sensible precautions to protect your phone.