In these modern days, a mobile phone is essential to many of our day-to-day lives; from using it to wake us up each morning to keeping in touch with people around the globe. For a piece of technology that is so crucial, our mobile phones are so easily damaged, yet very few of us actually insure our phones in case the worst should happen. If your phone was damaged, would you be covered? 

Mobile phones are increasing in cost, meaning that a phone insurance policy is well worth the outlay. Before you take out an individual policy on your mobile phone, however, we would recommend that you check your home contents insurance as you may well have phone cover included in your policy. 

If you have a history of losing your phone or breakages are more likely, then a specific mobile phone insurance policy may be worth considering as the standalone cover will be more comprehensive than that included in your home contents and excesses will also be lower. 

For most of us, however, ensuring that our home contents policy is up-to-date and reading the small print will be enough to give us peace of mind that our phones are duly insured.