Within this article I will be providing a few different ways to bypass the expensive ‘high street’ provider insurance route. If you do your research and follow the tips given, there is no reason why you cant make significant savings. Check out my proven methods to save you guys money:

1. Try an independent insurance company Did you realize that there is over 3,000,000 results in Google when ‘iPhone 3Gs Insurance’ is typed in? There are loads and loads of great companies out there. But just make sure that the company is FSA regulated, and the cover they are quoting has everything you need. In most cases you will see up to a 50% reduction – probably the best solution of all!

2. Try your bank! Sounds weird right? Wrong. Most, if not all premium bank accounts offer mobile phone insurance as part of their package. Give them a call and find out the terms of the cover, your excess and also how much they will pay out. In most cases it wont be more than £300 (and unfortunately a new iPhone 3Gs costs £600 new), but that’s not bad when you don’t have to pay anything per month for the bank account!

3. Try your home insurance company One again this sounds crazy – but did you know they usually cover losses and damage (and the rest!) outside of your home! Some people are worried about their ‘no claims bonus’ however its very easy to pay a nominal amount extra each month to protect the no claims. Once again its rare for the home insurance company to pay out the whole £600 for a new iPhone 3Gs, but they will pay a good chunk after excess!

So there you have it, a step by step guide on iPhone 3Gs insurance and how to find the best deal! In summary your best option is probably to go with an independent company and cut your costs by half.