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Many of us will have home insurance, car insurance and even laptop insurance, but the one thing we carry around with us all day, every day - our phone - often gets overlooked. If youre thinking about getting your phone insured but not sure what cover you need, how much itll cost or how to claim, this video guide will take you through what you need to know. Do I need mobile phone insurance? Mobile phone insurance is not compulsory. However, smartphones can be incredibly expensive to repair or replace, with some of the latest devices costing over 1,000 to buy brand new. And, considering the fact that we carry our phones everywhere, pass them between our friends, take photographs, pack them in our bags or shove them in our back pockets, at any moment were a slip, crack or spilt cup of coffee away from doing some serious damage. With a monthly or yearly premium, phone insurance could be a cost-effective way to protect your device and avoid dipping into your savings should the worst ha