Why it is Important to Insure your Cell Phone

May 22 - In this day and age few people are without cell phones which can vary in value from a few hundred to a few thousand rand depending on their make, model, age and level of functionality.

Of course being that cell phones are such small, portable and desirable devices, they make the perfect target for criminals who want to make a quick buck or two by 'fencing' them quickly and easily.

It is for this reason that it is crucial to take out some type of All Risk Insurance policy that will cover you in the event that your cell phone is lost, damaged or stolen.

Of course to avoid the hassle of losing and replacing a cell phone, together with many numbers that often cannot be replaced as well as having to claim from your insurance company and risk losing your no-claims bonus, it is worth taking some simple precautions.

For instance, if you are walking around a public place where it would be only to easy for a criminal to 'snatch' your phone, try to avoid talking on your cell phone. Instead, wait until you are in a safer, more secluded environment. The same can be said for when you are driving in your car.

Vehicle snatch and grabs are unfortunately all to common in South Africa these days and not only will you have to replace your cell phone but possibly your car window too. Even if you are not talking on your phone, don't leave it lying out in the open on your passenger seat, dashboard or lap.

Instead keep it safely hidden in your bag, suitcase, pocket or even cubby hole until you've reached your destination. However, in the event that your cell phone is stolen, at least you'll have the peace of mind that your phone is insured.

Take leading South African short term insurance company Dial Direct for example. Dial Direct offers its clients a Portable Possessions Policy that covers the loss of not just cell phones, but other valuable portable items too such as sun glasses, laptops, PDAs and so on.

If you are not sure whether your cell phone is covered by your insurance or not, call Dial Direct today on 0860 10 45 76 for a Free, no-obligation insurance quote.