Nobody knows you as well as you know yourself and mobile phone insurance companies won’t even come close to knowing you personally and will put all there customers in the same group. The group of people who are always making claims for their lost of stolen mobile phone.
Fear is one of the biggest buying motivators and mobile phone insurance companies will always play on your fear of losing or having your mobile phone stolen to try an get a sale. It doesn’t matter if you’ve never had to claim on your insurance you will be classified as the same as everyone else.
You have to remember this when deciding whether your mobile phone insurance package is a good buy or not. If you’re the type of person that loses their keys, wallet or other valuables on a regular basis then it is probably worth investing in a good insurance package that is going to cover you. But if you’re the type of person that resents every type of insurance because you’ve never had to make a claim then don’t let the mobile phone insurance companies play on that fear and sell you something you don’t need. Maybe consider an alternative solution to mobile phone insurance like self insurance.