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HSBC mobile phone insurance: is it good value?

With HSBC, mobile phone insurance is available as part of a comprehensive home insurance package. A small optional extra charge will cover personal belongings, including mobile phones, luggage, clothing, jewellery, watches, cameras, musical instruments, personal money and credit and debit cards.

So if you're in the market for a wide-ranging insurance product that will provide peace of mind and reliable cover, HSBC may be for you. However, because stand alone mobile phone insurance is not available from the bank, you might want to consider other options. Here are three of the best:

Insurance 2 Go: If you're the owner of a high end mobile phone, check out the cover offered by Insurance 2 Go. iPhones can be insured for just £3.99 a month - and mobiles are covered up to a maximum of £700.

JS Insurance: JS Insurance can offer good value cover for both pay as you go phones and contract phones. Cover is for theft, loss, accidental damage, unauthorised calls and water damage. There is worldwide cover for up to 90 days per year. There is no contract and you can cancel the insurance at any time. Annual iPhone cover is available for £59.99 per year.

Better Buy Insurance: Better Buy is an insurance company that specialises in mobile phone cover. They cover all mobile phones up to a value of £600. You can cover your mobile (including iPhones) for an incredible £19.99 per year. This includes accidental damage, overseas cover and cover for your immediate family.

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