We’ve all been there. Purchasing a brand new phone in the shop and then the sales advisors pitches the phone insurance. Do you say no or do you think about it carefully, seeing as you’re most likely tied into a 24 month contract?

We think you should consider opting for the insurance if:

• Your phone is very expensive and you’re tied into a long-term contract.
• You couldn’t afford to replace the phone if it ever broke and you wouldn’t like to downgrade to a cheaper, lower-spec model.
• You rely on your mobile phone and would need an instant replacement if something happened to it – lost, stolen or damaged.
• You have a long history of damaged, broken and lost phones.