Monday, March 9, 2009

Mobile Phone Insurance

For the last two weeks I have been researching on few types on insurance plans that are designed to meet the needs of cell phone users. During that period, I have encountered few communities that believe that insurance for cell phones is not something that you really need and to them, cell phones are things or devices that have the same value like other daily utilities such as your shaver, electric toothbrush, or maybe your coffee maker. Since this topic is quite interesting, I dug for more stories and found out that there are also other communities that take cell phone insurance as something that you do need.

It is common to hear some sales pitch from the sales rep when you go shopping for a new cell phone. To be honest, it is not uncommon as well to hear them keep on advising you to buy their insurance. I am sure that you all have heard most of the common things about cell phone insurance; they will replace the cell phone whenever you lost it or it got stolen, they will repair the cell phone if the phone is damaged due to accidents, and so on. You will feel that the need to purchase the insurance is as important as buying the external memory card but instead of paying off one-time payment for the memory card, you have to pay extra $5 or more every month for the cell phone insurance.

Most of the time the cell phone insurance came from a third party insurer, in other words it is not something that is designed by the cell phone manufacturer. When this is the case, the policy is different than the manufacturer or the store’s own policy. This is where the trick is. When something happens to your cell phone, for instance the cell phone’s display screen is damaged; you will first call up the cell phone carrier. You will then be asked to call up the insurer since the policy is between you, the cell phone owner, and the cell phone insurer. The insurer will then explain to you that there might be a possibility that the cell phone model that you own is no longer being produced and they agree to send you another cell phone.

Does that sound like a good deal to you? Well, it is not to me. If I am using a Motorola V3x cell phone, which would also means that I love the cell phone more than other types. What’s the point of getting a replacement if I don’t get what I previously had? That is not fair, don’t you think so? But can you really argue when the cell phone is damaged due to your own negligence? And the most important part is, did you really read the policy first, thoroughly, when you purchase the insurance for your cell phone? Some did, and some did not. Those who read, they might not purchase the insurance in the first place. Those who did not, they might have missed a part or clause somewhere in the policy saying that the insurer has the right to replace the cell phone with any other different model.

Some people would think that it is a good investment when you insure your cell phone. Hey, why not, instead of buying a new cell phone, you will get a replacement which could be a better deal? Well, in this case, you should first understand how the insurance works. Why an insurance company would design a policy that will not bring them money? Insurance for your cell phone may be designed so that if something happen to your cell phone, you can make a claim for a replacement. There is a limitation to that; you can only attempt to claim once or twice a year. This is to avoid some greedy people from making fraud claims.

Making the claim is another issue. You might have to go through a lot of processes to ensure that the claim is considered valid by the cell phone insurer. There are times when you will feel that the process it takes to make one single claim is going to be a tedious one and you might end up not claiming anything. Imagine, the insurer might want you to produce a black and white proof that you have lost your cell phone. In order to do so, you may first lodge a police report saying that your cell phone has been stolen. After that, you may have to fax in the copy of the police report to the cell phone’s insurance company. And then you have to wait for maybe at least a week before you can get a confirmation from the office that your cell phone will be replaced and you will have to wait for about another week to receive the new cell phone. It will be a lot worst when the cell phone you will be receiving does not match the quality of your previous cell phone.

Another community that I have found during my research has thrown in an interesting suggestion about getting insurance for your cell phone. Whenever you purchase a new cell phone, please make sure that you ask the store about the cell phone’s warranty. There are possibilities that the manufacturer of that cell phone has offered replacement of the cell phone in the situation where the cell phone is malfunction. Most manufacturers do this as part of their initiatives to obtain feedbacks from the cell phone users about their cell phones in order for them to produce a better cell phone in the future.

Another way to save up your money on the cell phone insurance is by making sure if the store does have its own replacement policy. I bet that most stores have their own replacement policy though their policy might not cover for many months. This is good enough actually, and I will tell you later on how to insure your cell phone in a rather conservative method. I always love to find alternatives to what are offered by some people so that the methods that I use will always to my own benefits. Furthermore, I have more controls over what I am doing and I feel a lot more comfortable doing so.

Have you ever thought that you might have covered the cell phone lost or stolen issues in your other insurance plan? Think about it, if you lost your cell phone which you put in your car, that would means that it might has been insured in the auto policy? Have you ever thought about that? Why pay for more to protect your cell phone when it is covered elsewhere, right?

Getting insurance for your cell phone might sounds like a good idea, but the problem is, cell phones these days are not as what they used to be in the past. For instance, you might be buying a brand new Nokia N97 cell phone today. In the next six months, the cell phone is no longer something new and no one really cares about the cell phone since Nokia has introduced more and more brand new models and the furthermore, all the new cell phones have more great features and more stylish. So, let’s say that you lost your cell phone in about 20 months after buying it. If you paid $25 per month for the insurance, you have paid about $500. Of course, if you can get the same model as a replacement, it will sound like a great investment. Think about it again, twenty months from now, how much would your Nokia N97 cell phone worth? Would it be $500? I can surely bet that it could be lesser than that. So, is that a good investment to purchase insurance for your cell phone?

As far as I am concerned, it might be a good investment in the case that your cell phone is a really extreme and expensive one. Please read between the lines, it might. Remember, the contract that you signed might say that they will replace the cell phone you lost with a comparable one. You might not get the same model and there are also possibilities that you will get a cell phone that is not as good as the one you had. There are many things can be disputed when we say that a cell phone is “good” or “bad”. There are also cases reported that the insurance company replaced the lost cell phones with refurbished cell phones. Oh yes, if that is the case and if it ever happens to me, I will be the first one to sue the insurance company LOL.

Have you thought about the cell phone accessories? As far as I am concerned, the insurance company is going to replace the cell phone only and not the whole set. Would the replaced cell phone compatible with the old accessories such as the headsets, the cell phone charger, and so on? If it is the same model, you would not have much trouble. If it is not (which is true in most cases), you may then have to shop for those accessories that are going to be compatible with the new cell phone. You might then end up paying more than what your previous cell phone worth.

Based on what I have read so far, there are many cons to buying insurance for your cell phone. However, I don’t really oppose the idea. There are times when it is good to get one especially you really are one of those who keep on forgetting where they put the cell phone or that you keep on dropping your things at a daily basis. You might be those who need to get the insurance for your cell phone. If you don’t, then I will the first to be mad at you when you lost your cell phone. If you know yourself, and you know that the possibility that you would lose your cell phone is pretty high, then you should cover your cell phone.

The insurance for the cell phone may also be a good idea for those who travel a lot and most of the time the cell phone sits in the baggage. You know how those guys work in the airport, and there are 90% chances that the cell phone might got damaged. Traveling abroad is another thing; there are possibilities that the insurance would not cover out-of-the-country-scenarios. So you have to check with the insurance company about this.

There are also companies that are decent about insurance for cell phones. T-Mobile insurance for the cell phones are quite good and reasonable enough to be paid for. Third-party companies such as TalkCover and CUSC UK are specialists in offering cell phone insurance for many years. From what I heard, these cell phone insurance companies have exceptional track records and so far there are only few complaints against them.

As I said earlier, there are few factors to be determined before you can decide whether you do need cell phone insurance or not. The only person who can decide on this is only YOU. You know yourself a lot better than any other persons in this world. You know better whether you would drop your cell phone a lot or not in a month. If you are buying the cell phone for your child, then it might be a good idea to insure the cell phone as the child has more potentials to damage the cell phone or lose it.

For prepaid cell phone users, I don’t think that you should get insurance for the cell phones. Why? You don’t have to worry much about the stolen cell phones’ airtimes to be used without your consent since once they are used, the poor thief can’t make fraud calls anymore. You should consider another way to insure your cell phone which is what I am going to discuss down here.

Rather than paying for the insurance to cover your cell phone, you can always put aside the money every month. Say that the insurance costs you $10 a month. In a year, you can save up to $120. If you put that money into a high interest savings account, you will get more. If something happens to your cell phone, the money can be used to buy a new cell phone that is worth it. If you prefer to buy the same cell phone, I am certain that by that time the cell phone’s price has dropped a lot and you might end up paying less than $120 to get the cell phone.

Let’s just sum up a few things if you still want to get insurance for your cell phones;

Read the policy and ensure that the company will replace the cell phone in a reasonable timeframe.

If the market price for the cell phone is still high, would the company consider giving you cash.
In the case that the cell phone is stolen, would the insurance company covers the losses if the cell phone is used to make fraudulent calls.

Compare your cell phone’s price and its market price as well as the cost to pay for the insurance.
From what I have understood, again this is all about your preferences. However, preferences should be based on logical explanation and you should be rational enough when purchasing insurance for your cell phones.


  1. Yes, I agree. You should read the policy. It is very important to find the right company.

  2. The theft and damage cases of a mobile phone are increasing day by day and it is scary too. It doesn't matters how caring you are about your gadgets the mobile phone insurance allow you to remain tension free. There are so many insurance companies in the market which provides their services in this regard. There is a stiff competition among the different insurance companies. They provide different schemes to attract customers towards their business. Some insurance companies provide customer care centers around the world to serve their customers in an effective manner.


Mobile Phones Around The World

Mobile phones have been used by people all over the world simply for its capability to let us communicate easily anytime and anywhere. The rapid technology advancement has let the usage of mobile phones to be something that you shall not miss at all. Landline phones are becoming obsolete these days though they are still widely used for business purposes and mainly in offices and workplaces.

The trend these days is to have a good-looking mobile phone and also what are special features added to the mobile phone. It is very common these days to see a mobile phone that has integrated auto-focus camera into it as well as the capability to play music and songs. From polyphonic ringtones to MP3 ringtones, mobile phones have been massively integrated all trendy features and therefore it is hard not to miss the opportunities to have a mobile phone and enjoy all these entertainment.

This blog is dedicated to provide you all information that is relevant to mobile phones. If you take some time to read the blog, you may find articles on these categories:

- Prepaid mobile phones plans - "prepaid plan" is a term that is widely used to describe mobile phone plan that needs you to pay for the service and the mobile phone first before you can use it. Other terms are pay-as-you-go mobile phone plan and also flexpay mobile plan.

- Post-paid mobile phone plans - "post-paid" is a term used to describe contract-based mobile plan where you are bonded to a contract for at least a year whenever you subscribe to the mobile plan.

- Business mobile phones - communication amongst employees are important as well as among your business partners. There are many benefits to be gained when you choose the right busines mobile phone plan.

- Smart mobile phones - fondly known as "smartphones", these type of mobile phone are usually integrated with a lot of tech features that allow you to have a computer-like mobile phone in your hand.

- Camera mobile phones

- Music mobile phones

- 3G mobile phones - the term "3G" is used to simply identify the mobile phone capability in various type of communication. The first time mobile phone was introduced, it can only receive inbound calls and make outbound calls. Later the 2G mobile phones has the ability to send and receive short message service (SMS) as well as picture messages. 3G mobile phones can be used to receive and send video messages as well as video calls.

- International phone cards - whenever you travel abroad, it is a good move to get yourself to get an international prepaid phone card where it can be used with your current mobile phone so you won't have problem to contact your business colleagues or your family.

- International mobile phones - Can you still use your mobile phone outside of your home country? I've discovered a lot of information on this question and I will try to explain about it in my own way.

- Satellite mobile phones - these type of mobile phones are just the excellent choice where you don't have to worry at all about the network coverage. You can get reception from almost anywhere with satellite mobile phones no matter where your location is. If you travel abroad, then maybe you should rent one of these mobile phones.

- Comparison between mobile phone plans - reviews are given on various mobile phone plans available. If possible, I will also try to include personal reviews given by the mobile plan users.

-"How to" information on your mobile phone - I will try my level best to share my knowledge on mobile phones. Tips and tricks to be used to tweak your mobile phones are given here. Yes, the information provided here are for free.

The Least Extreme Group of Mymode That Make Money Online

I feel obliged to inform you that we are neither Mymode favourite team nor the best agents too. We are part of the so-called extreme group PrepaidForYou. Our strive for success in making money online with mobile prepaid Mymode is the only reason we plunged ourselves into the fierceful world of internet marketing.

Marketing your products online is a tough job.

Making money out of them is even tougher.

Here we are, dedicated to guide you in achieving your target and dreams to successfully make money online selling prepaid phone cards and top up cards.

Please take some time to learn more about the business and from this blog, you will learn;

how to make residual income simply by using your prepaid phone

how to earn massive amount of income from Mymode business

how to target your audience either locally or internationally and eventually from there you will receive the sweetest reward (money of course lol)

What is Mymode And How to Make Money from It Unbiased Short Review

Mymode is a solution to your quest to save more money while using your prepaid phone service in Malaysia. Major telecommunication providers in Malaysia are TM, Maxis Malaysia, Digi Telecommunication, and also Celcom Malaysia. Engaging itself into this lucrative prepaid business, Mymode has managed to properly established itself and able to receive recognition from Maybank and CIMB.

Many have claimed that the only purpose of joining Mymode is to save your money while using your prepaid service daily. Honestly that is only the rough idea and perhaps the first reason why you look for answers to save your money. Joining Mymode is truly the first step to open the path to earn residual income and perhaps one day you will be able to make silly amount of money like five to six figures a month.

I would like to apologize to any of my visitors if you fail to find any useful information about Mymode mobile phone and prepaid business. This blog is meant to guide you, not to teach or preach you what you must do to earn money online with Mymode. We learnt the hard way to put ourselves visible on the internet. You on the other hand have the advantage to override the time taken by following our guidelines. If you have the crave to learn how to make money online during recession time, then Mymode could be your first choice until you are ready enough to learn other paths to make money.

Can you make money from using Maxis Hotlink prepaid?

If you are a long time user of Hotlink, then I believe you have more than the knowledge on how Maxis charges you for anything and everything. Why waste the money for things you do not really need when you can actually earn money from it? You may not be as rich as Ananda Krishnan, the owner of Maxis Malaysia, but at least you can earn some money from all the telcos though you stick with Maxis Hotlink.

What if I use Celcom Xpax?

I know that sometimes you don't have the courage to try switching from one service to another. You might say that you are not sure about the advantages of other phone plans or network. Frankly say, that unsure feeling is just something you developed inside you due to successful marketing strategy from Celcom. Either using Celcom Xpax or Blue, it won't matter and you don't have to worry much if you plan to switch to Hotlink or Digi. Remember, at this time the cost to change or transfer is still free and therefore take advantage of that. Change and try it for a month and then you can always change back to your original provider. However, as far as money is concern, go for package that offers you lower call rates and that will absolutely help you to earn more money when you join Mymode.

Senarai Nombor Telefon Ejen Mymode Prepaid|Mymode Agents Cell Phone Numbers

Primary Contact Number:
Area Selangor|KL|Negeri Sembilan
012-241-5054 - Maxis Hotlink - Johari

Negeri Sembilan|KL
017-358-3658 - Maxis Hotlink - Khai

014-808-4051 - Maxis/Digi - Nor Ashikin

Johor Bahru
017-781-8114 - Maxis Hotlink - Aqib

012-651-5113 - Maxis Hotlink - Irfan

012-709-4914 - Maxis Hotlink - Baby

013-388-1572 - Celcom - Azizi

Johor Bahru
012-640-0955 - Maxis - Qila

Johor Bahru
017-769-5277 - Maxis Hotlink - Rozy

Maxis Hotlink SMS Instructions

How to topup your Maxis Hotlink Prepaid Mobile Phones

Dialing command : *111*Topup Pin Code#

How to Share your Prepaid Maxis Hotlink Credit TopUp

How to Check Your Credit Balance for Maxis Hotlink

Dialing command : *122#

How to access Hotlink Easy Menu

Dialing command : *100#

How to check Maxis Hotlink Rewards Points

Access Hotlink Easy Menu and choose options 7-7-1

How to activate Hotlink Super Savers Talk and SMS

How to activate Maxis Hotlink Activ10

Find Your T-Mobile phone coverage using this Superb Checker

Digi Prepaid I Like SMS Instructions

How to access DiGi Talktime Services menu

Dialling command : *128#

How to Reload or topup your DiGi Prepaid FuYoh

Dialling command : *123*(16-digit reload number)#

How to Share Your Prepaid Digi Credits Talktime Transfer

How to get advance credit for your Digi Prepaid Plus

Celcom Prepaid SMS Instructions

How to topup your Celcom Xpax Prepaid Account Using Code

Dial *122* 16-digit topup code#

How to reload Celcom Blue Prepaid Using SMS

Sms command : rec 16-digit topup code

Send to : 2888

How to check your Celcom Prepaid Credit Balance

Dial command : *124#

Sms command code: just type "bal" and send to 2888

Call center : dial 1990

How to share your Celcom Airtime

How to activate Celcom Blue Teman 20

Five simple reasons why and how you should transfer from Maxis Hotlink to Celcom Xpax

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With Celcom Xpax, you will get free calls on all your Sundays!

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You can get free calls and SMS for seven days!

Two years airtime expiry date

You can choose either one or two years!

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Celcom 3G and HSDPA speeds can go as high as 3.6Mbps

Best customer service ever

Celcom has received two years back to back champion for 2006 and 2007