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When it comes to cellphone insurance, it's always safer to double check says consumer journalist Wendy Knowler.

Read: 5 things you need to know about ending your gym or cellphone contract

Consumers can insure through their cellphone provider or via household or car insurance policy, Knowler.

Either way, it is important to make sure that your policy covers you for the correct value of your phone and the current device you are using.

Read more: How important is cellphone insurance? Wendy Knowler has the answer

Cellphone providers typically provide insurance linked to the SIM card, while household or car insurance policies cover the device, irrespective of the SIM in use.

Seven top tips on cellphone insurance:

  • When you upgrade your phone, make sure that you upgrade your cellphone insurance at the same time.

  • For a claim to be valid for a network provider, the listed SIM must be in the device at the time of the event.

  • Always remember to update your policy to reflect the current handset if you upgrade your device.

  • Make sure that you are not still paying premiums for a phone that is no longer in use.

  • Check the replacement value of your insurance.

  • Compare prices between network providers and private policies.

  • Always check your bank statements.

Paying an excess amount at claim time is a lot less devastating than bearing the entire cost of replacing your stolen car, repairing that fender bender or losing everything in a house fire.

Wendy Knowler, consumer journalist

If you have your own policy it can be cheaper and it doesn’t matter what SIM you have in the phone when it’s stolen or damaged, you have a valid claim.

Wendy Knowler, consumer journalist

Cape Town resident Wendy Coetzer discovered she had paid about R4 600 in premiums for an old phone that she last used years ago.

I had no idea that this insurance premium would carry on being debited from my account after my upgrade.

Wendy Coetzer

There must be a significant number of handsets listed on those polices that are no longer in use, yet the premiums are still being deducted.

Wendy Knowler, consumer journalist

Knowler warned consumers about wasted cellphone premiums and shared her expert advice using the case study.

Take a listen to the insightful discussion during Consumer Talk:

Every Wednesday, on The Pippa Hudson Show, Wendy Knowler provides useful insights and tips on how to make the most of your buying power.

For more stories visit the ConsumerTalk feature page.

Got a consumer case you need help resolving?

Email: consumer@knowler.co.za, put Cape Talk in the subject line, followed by the issue e.g. cellphone contract dispute.

This article first appeared on CapeTalk : Top mistakes to avoid when insuring your phone

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