Almost every family member uses a mobile phone, and it is an easy way to stay in touch and organise your life too. With the importance of mobiles phones having increased many fold, it is now imperative to have insurance for mobile phones.

This may seem like just another outgoing, but there is a way you can save on your mobile insurance policy. Most insurance providers will extend the normal cover to family members. So you can have your spouse and children who use mobile phones covered at much reduced rates. Some insurance providers will cover any network, so you need not worry if some of your family members are using another network.

Make sure to ask for any discounts or incentives, like you get free few months extra on your existing cover or you get extra cover for a limited period other than what you choose. You may be eligible for discounts, if you pay up your premium at one go, instead of making smaller monthly payments.

With mobile phone thefts on the rise, you would do well to opt for insurance for mobile phones. So even if any member of your family loses or damages their mobile phone you can claim for the loss or damages, which would otherwise cost a neat sum without insurance for mobile phones.

You should compare the rates online and see what each company offers you before you settle for a particular insurance company. Generally, the same rules apply, as you would look for while opting for car or home insurance.