Insurance for iPhones is probably something, in hindsight, I should have researched and taken up months ago. Why? Because I ended up losing two iPhones in the space of 3 months. And I wasn’t insured! That’s an expensive little mishap there ladies and gentleman! Please don’t make the same stupid mistakes that I did. Why wasn’t I insured? Because I refused to pay the outrageous amount quoted by the high street companies. Last time I checked it was around £15 + VAT per month. I still refuse to pay that much.

I am now insured, and I am paying half that amount for exactly the same cover. That means when leave my phone in the back of a cab, or drop the phone down the toilet by mistake I will be 100% covered and will have a new phone by my side within 24 hours. How did I do it? Well read below for my three sneaky loopholes!

INSURANCE FOR iPhone – 3 SNEAKY LOOPHOLES

1. Online insurance companies – A simple search for ‘insurance for iPhone’ in Google yielded over 419,000 results. Folks there are a lot of insurance companies out there. None of which will charge you £15 per month. That’s right guys, you can find exactly the same cover for up to 50% of the price quoted by the high street providers. Just make sure that the online company are reputable, offer 24 hr phone replacement, and also don’t tie you in for too long. Its as simple as that really.

2. Are you a home owner? – If yes, then you have a huge advantage. You will definitely have home contents insurance which means you can call them up and check if they can add your iPhone to the policy. In most cases, you may be surprised to hear that it is already covered in the ‘personal belongings’ category. There will be certain items which you are covered for inside and outside of your home such as watches, jewelry and mobile phones! Pretty cool hey. Just ensure that you can protect your name claims bonus – I did this for a couple of extra pounds per month. No sweat!

3. Do you own a bank account in the UK? – I think its a fairly good bet that you do! Well there are a few banks out there at the moment who offer insurance for iPhone to their premium account holders. Don’t be put off though, premium accounts are not that hard to obtain. Most banks are begging for your custom in the current economic climate. They will insure your iPhone for free. How cool is that? Please be aware though that the latest iPhone will set you back £500+ and usually the banks wont cover the full amount. You will also have to pay an excess of £50 or so each time you make a claim which will eat into the amount you have left to buy a new iPhone. Overall though its not a bad service for costing you nothing!

There is my three top sneaky loopholes ladies and gents. Please don’t pay over the odds for a product you can get for half the price!

In all honesty though, I would advise going with an independent company, mainly because its hassle free, fast and offers the best value for money. The most impressive product researched was found at iPhone 3GS Insurance

I have also developed a iPhone 3G Insurance website which will go into much more detail than what I have written about here. Check out a few more fantastic, free tips!

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Imagine yourself waking up on a Sunday morning after a night out on the tiles, and immediately reaching for your brand new iPhone to check if you have any missed calls from your mates. But then reality hits, you remember that your left it in the cab the night before. Then reality hits even harder. Your iPhone wasn’t even insured, as you refused to pay the extortionate high street prices. Bad move. Expensive mistake. Let me explain to you a few cheap iPhone insurance loopholes I have recently researched which will save you lots of money.

But first, lets talk figures. Last time I checked, iPhone insurance purchased from the ‘big swingers’ in your local shops was around £15 + VAT per month. The average monthly tariff for an iPhone is approximately £35 per month. Doesn’t something seem wrong here? Why are we all paying such a huge percentage of the monthly tariff? To me it just doesn’t seem right. And I have done some research to prove my point. Read carefully below and I am sure you will be saving lots of money by finding sneaky ways to find cheap iPhone insurance.

CHEAP iPHONE INSURANCE – 3 SNEAKY WAYS TO SAVE

1. Approach an independent insurance company online – There are plenty of great companies out there ladies and gentleman. Do a simple Google search for ‘cheap iPhone insurance’ and I am sure you will find pretty quickly that help is not too far away. In most cases I would expect you to save up to 50%, which is quite a lot of money over a 1 year period. Just remember to make sure you have a full policy, 24 hour phone replacement, and the ability to cancel at anytime. You don’t want to be tied into a 12 month contract.

2. Approach your bank – This is a pretty sneaky one guys! Who would have thought in today’s day and age these guys would let you have something for nothing? Crazy! But its true. For example Lloyds TSB offer free mobile phone insurance service to those people who have a premium account with them. Dont worry a premium account is not too difficult to obtain. Just be aware though that they wont cover the full amount of the latest iPhone, and they will also force you to fill out some pretty hefty paperwork in the event of a claim.

3. Approach your home contents insurance company – My home is insured by Halifax (although any insurance company will be the same) and they offer a pretty cool loophole to get cheap iPhone insurance. They will insure personal belongings such as watches, diamond rings and you guessed it, mobile phones in and out of the house. Again, they most likely wont cover you for the full amount, and there will be some paperwork to take care of. But still its a very cool way to save money. Just make sure you get ‘no claims bonus’ protection which cost me an extra few pounds per month.

Guys, above are three sneaky loopholes which will save you a lot of money if used correctly.

In all honesty though, I would advise going with an independent company, mainly because its hassle free, fast and offers the best value for money. The most impressive product researched was found at iPhone 3GS Insurance

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Have you checked how much iPhone 3GS insurance is if you purchase through your high street provider? I almost fell off my seat when they told me that it was 15 pounds per month. Crazy! That’s more than one third of my total contract price. Problem is I refused to pay it, and then lost my iPhone 3GS the following week. Wow, that was a costly mistake.

I don’t want you guys to fall into the same trap that I did, but i also understand if you don’t want to pay the ludicrous high street provider amount per month. Well read on guys – every single word within this article I believe is iPhone 3GS insurance gold if there is such a thing! There is no doubt I can save you a lot of money and save you the heartache that was felt when I lost my iPhone without insurance!

iPhone 3GS INSURANCE – TOP 3 MONEY SAVING TIPS

1. Go with an independent online insurance product – Guys, when you type in ‘iPhone 3GS insurance’ into Google there are over 19,000 results. Don’t pay the high street prices. Get onto Google and do a bit of research. Things to look out for include ‘no tie in period’ and 24 hour replacement handset service. For example, you don’t want to have to pay for 12 months and then find out you are not happy, and not be able to cancel. I believe if you do your research correctly the will save up to 50% on high street provider prices.

2. Talk to your bank about what your premium account can offer – Did you know that many premium accounts (Lloyds TSB springs to mind) offer complimentary iPhone 3GS insurance? Its hard to believe isn’t it, especially in this day and age when the banks are really despised. Personally I don’t like this option as much as ‘number 1′ because they will find anyway possible to reduce your claim, or stall it. They are, after all, banks, and they have to look after the bottom line. One thing to check also, is how much they actually cover. A new iPhone 3Gs costs in the region of £600 and they probably wont cover you for the entire amount. Still though, its a pretty good service for free!

3. Home Contents Insurance – If you are a home owner you will definitely have contents insurance for when someone breaks into your home, or when something breaks down.
Within this policy will be a ‘personal effects’ category and within that, your mobile phone should be insured up to a certain point. Again, you will need to check how much this amount is, and you will also check that your no claims bonus will not be affected. I actually purchased ‘no claims bonus’ protection for a nominal amount per month. Its a nice little loophole, but unfortunately they will make you fill out a mountain of paperwork usually.

What do you think people? I bet most of you didn’t know about these cool little loopholes. As I have mentioned, its not rocket science, however I am hoping they will save you a lot of money, even though they vary in amount saved.

In all honesty though, I would advise going with an independent company, mainly because its hassle free, fast and offers the best value for money. The most impressive product researched was found at iPhone 3GS Insurance

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Did you know that the high street providers in the UK charge 15 pounds per month for comprehensive iPhone 3G insurance? I couldn’t believe it when they told me – in fact I almost walked out of the shop there and then. But the problem for me was that I lost my phone later that week without insurance and it cost me over £600 to replace my beloved iPhone 3Gs.

Please, please don’t let this happen to you! Trust me, you don’t want to feel like I did after waking up after a night out with the boys and remembering when the cab drove off with my brand new iPhone on the back seat! What did I do that very next day after forking out the cash for a new phone? I jumped on the internet and tried my very best to find the best product on the internet, and covered my new iPhone quick smart. I wasn’t going to make the same mistake again.

Let me share with you a few of my findings and loopholes discovered. I am a firm believer that my research will save you guys a bit of cash – in this day and age that cant be a bad thing!

iPhone 3G INSURANCE – TOP 3 MONEY SAVING TIPS

1. Find the best independent insurance company and go with them – This is a big point which i have to make sure that everyone is clear on. You can save 50%+ on the high street providers price. Just make sure they cover you for everything which is required. Another important point to note is that they should have a 24hr replacement service and a product which allows you to cancel at anytime. There is no point being tied into a product which turns out to be not what you want!

2. Call your bank and ask them what your premium bank account can offer – If you don’t have a premium bank account, then ask what it takes to upgrade. You will be surprised at what the banks offer for free these days to get back some good will with the general public. Try Lloyds TSB premium account – these guys offer complimentary phone insurance as part of their package. Make sure though that you check how long it will take you to get a new phone, and how much they will cover you for. A new iPhone 3Gs will cost around £600 as mentioned. Be prepared though to jump through hoops to get your money!

3. Check your Home contents insurance – Most home contents insurance packages will have a ‘personal belongings’ category and you will be covered if you lose them even when not at home. Interesting isn’t it? You can even add no claims bonus protection which was a huge advantage for me, as I hadn’t had a claim for a long time. Please note though that this option is only available for homeowners, and you will also be expected to jump through hoops!

So there you have it ladies and gentleman. Three fantastic money saving iPhone 3G insurance tips which will help you on your way.

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With the iPhone quickly becoming the “must-have” cell phone out there, we are getting more and more emails from people wondering where they can find iPhone downloads. Being able to use movies, music, games and other types of media filesis what makes the iPhone such an amazing piece of technology, so we thought we would put together a quick article about where you can find iPhone downloads right on your computer.

You have two main options when it comes to finding iPhone downloads – let’s look at each one quickly:

Option #1 – Downloads for iPhone

The first option that many iPhone users will try is to try to find websites that offer “free” iPhone downloads. You can find a couple of websites like this, however there are a few things you need to know before you use them.

First off, the selection of downloads is usually pretty weak on these sites. You might have a few games or files to choose from but the selection is always somewhat limited.

Secondly, you have to be careful about picking up a virus on these types of websites. There have been a few shut down recently for this exact reason. Because they aren’t monitored whatsoever, you can’t be sure of what you are actually downloading.

Two other common complaints are that the download speeds are very slow and many of the files are “corrupt” which means that they don’t even end up working when you try to use them on your iPhone.

Obviously this option doesn’t get our recommendation because of the fact you put your computer at risk and these sites can cause a lot of headaches.

Option #2 – Downloads for iPhone

Since the launch of the iPhone created a big demand for iPhone downloads, a couple of smart entrepreneurs have built specialty website that cater to iPhone user and offer unlimited downloads.

These websites offer movies, music, TV shows, games, ebooks and more for download when you register as a member. You just have to sign-up and then you can login and download new files whenever you want.

The great about these sites is that they are built specifically for iPhone users and the businesses that run them make sure that all the files are safe, they all work and that the download speeds are fast. The selection is huge – you can find all the latest movies and music for download along with all sorts of games and other media files.

As I’m sure you have guessed, there is a fee to become a member to these types of websites, but it isn’t expensive. Usually it costs about $50 and this gets you a lifetime membership. You are only ever billed the one-time and can then login and download as many files as you want. For people who plan on owning the iPhone for a while, it’s a great value.

We included a link at the bottom of this article that you can use to find out how to start a free trial at a couple of the top-rated iPhone download websites.

The one thing that Apple has always done well is come out with “cool” products. The iPhone is a perfect example of this and it keeps picking up new fans every day. Once you start using iPhone downloads you really start to see how powerful of a phone it really is. We should give you one warning though – it’s extremely addictive! All the best!

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This article has been bought to you by Frankie Johnson. He lost his iPhone twice recently, and has bow designed a website based around iPhone 3Gs insurance.

Apple has launched its latest mobile device iPhone 3G, which calls for the attention to the feature missing from the original release -3G support. Well its not the only killer feature, the full GPS system in it is here to stay. But the most eye catching aspect of the iPhone 3G is its price tag of $199 and $299 which is just 1/3 of the models launched a year ago.

I would like to highlight some key features of this mobile device which may help you make the right choice…

Should you buy it?

1)The Design Is Great

The phone measures a hair thicker (0.48 inches versus 0.46 inches) in the gut.It weighs 4.7 ounces.

A single Home button sits just below the screen.The back of the phone is made of plastic skin with black version for 8GB models, while 16GB version in black and white.

Apple has done away with the irritating recessed headphone jack, which now is flush so that you’ll be able to use any 3.5mm headphones you like.

The camera lens, volume rocker, charger port, speaker, microphone, power button, and display locking switch all are perfectly placed making this gadget a success.

2)3G Speed Worldwide and the GPS features at your fingertip!

With support for 3G bands and both UMTS and HSDPA networks, the iPhone 3G is well positioned for using high-speed networks all around the world.Email attachments and web pages load twice as fast on 3G networks as on 2G EDGE networks to be precise its almost 2.8 times faster. And since iPhone 3G seamlessly switches between EDGE, faster 3G, and even faster Wi-Fi, you always get the best speeds possible.

You can even talk and browse at the same time.But 3G technology lets you multitask in more places – without connecting via Wi-Fi.

And if you’re in an area without a 3G network, iPhone connects you via GSM for calls and EDGE for data.the iPhone 3G uses Assisted GPS supplemented by satellites. It also offers live tracking so you can monitor your progress as you drive (or walk) along.

iPhone 3G delivers UMTS, HSDPA, GSM, Wi-Fi, EDGE, GPS, and Bluetooth 2.0 + EDR in one compact device – using only two antennas.

3)Excellent Multi-touch controls

With its large Multi-Touch display and innovative software, iPhone lets you control everything using only your fingers. Type using the predictive keyboard, glide through albums with Cover Flow, scroll through photos with a flick, or zoom in and out on a section of a web page – all courtesy of Multi-Touch.

4)Accelerometer Motion Detector

iPhone responds to motion using a built-in accelerometer. When you rotate iPhone from portrait to landscape, the accelerometer detects the movement and changes the display accordingly. So you immediately see the entire width of a web page, view a photo in its proper aspect ratio, or control a game using only your movements.

5)Third-Party Apps And Softwares Are Plenty

the iPhone 3G will indeed support the collection of apps available through the iPhone SDK(Software Developer’s Kit). Gaming apps should feature prominently, many will integrate with the phone’s accelerometer.Some other
special features are :

*

Better Email Management

*

Contacts Search

*

Email Attachment Support

*

Scientific Calculator

*

MobileMe Support

6)Extra long Battery Life

Even though the inclusion of 3G in iphone has not affected its battery life.The iPhone 3G promises a solid 5 hours of 3G talk time, 10 hours of 2G talk time, 5 hours of 3G Internet time, 6 hours of Wi-Fi Internet time, 7 hours of video playback, 24 hours of audio playback, and 12.5 days standby time.

What else?

Since the latest iPhone will support the 2.0 software, additional new features will show up at launch, including contacts search, iWork document support, the capability to view PowerPoint attachments, bulk move and delete, a scientific calculator in landscape mode, parental controls, and support for 16 languages. iPhone also has a multilingual keyboard and a removable SIM card.

Only If iPhone Had These Included…

you will not get multimedia messaging along with voice dialing and video recording.I still don’t understand why Apple can’t include these basic features. I am also hoping for a landscape keyboard and the capability to cut and paste.

Phone And Internet Service Providers

Purchasers will still need to sign a two-year contract with AT&T to use the phone. And the price for a basic plan increases by $10 for 3G usage (that is, $30 a month for unlimited data, with voice plans starting at $39.99 a month). Unlimited 3G data plans for business users will be available for $45 a month.

The Final Say…

The addition of 3G and GPS, the affordable price tag of $199 for 8GB and $299 for 16GB versions, and extra features from the iPhone 2.0 software update make the iPhone 3G a worthy prospect. So, if you are an iPhone fringe-watcher now’s the time.

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This article has been bought to you by Frankie Johnson. He lost his iPhone twice recently, and has bow designed a website based around iPhone 3Gs insurance.

The Mac Apple’s iPhone is finally here! This hugely awaited Apple iPhone has become a reality and it can be seen in windows in every mall. The Apple iPhone makes calls for you and it supports a digital music player that syncs with your iTunes. The new Apple iPhone has a thin and nice design and is dominated by a vivid touch screen that showcases your photos and videos beautifully. You will completely love this iPhone from Apple!

People will who owns the Apple iPhone will also observe the lack of controls and buttons in the windows as all menu navigation and data entry from dialing numbers to typing messages is done on the touch screen. You can actually say that the Apples iPhone is three devices in one: a cell phone, a wide-screen iPod with touch controls and an Internet communications. This iPhone device that will serve you great. And more to come, the Apple iPhone is not just a phone; it is a phone with a video player, music player, internet device, and camera all in one. Mac have really got their apples together this time!

Some Apple iPhone Features You Will Love

One feature of the Apple iPhone that I love include a quad-band world phone support. Other features you will enjoy include a 2-megapixel still camera, Wi-Fi capability, stereo Bluetooth, a speaker phone, e-mail and a Safari Web browser. And even though there are memory caps at 8MB and although there’s no 3G support or wireless downloads, the Apple iPhone will garner interest just because it exists.

This Apple iPhone has only one hardware control and it is called the Home key. The Apples iPhone device is dominated by a huge, 3.5-inch display. Inside you will find an iPod music and video player and integrated support for Google Maps. How cool is that! People who use iPhone will also be able to scroll through their songs, artists, albums and their play lists with just a flick of a finger. One more cool new feature is the display of album artwork.

Apple iPhone can make a call for you by simply touching a finger at a name or number in the address book windows, a favorites list or your call log. All the contacts from your PC, Mac or Internet device are also automatically synced with the device. You can also select and listen to your voice mail messages in whatever order you want, just like you can with email. Calls can also easily be merged together with just the touch of a button to you can create a conference call by easily merging the calls with a touch of a button. This makes your conference calling much easier!

The Apple’s iPhone can of course also send text messages with an SMS application with a QWERTY soft keyboard that can correct mistakes such as misspellings and I know I will be using that function a lot. This makes it easier and more efficient for you to use your Apple iPhone than the small plastic keyboards found in most other phones that are not from Apple / Mac.

This highly advanced and very beautifully crafted Apple iPhone from Mac can hardly be called just a simple phone with the array of features that come with it. There’s simply no wonder many people are dying to get their own Apple iPhone!

Now, click here and I will tell you why you can’t live without an Apple iPhone. This you can’t miss!

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Let’s face it, there are a ton of places to download iPhone Software and audios on the internet. But, what most people haven’t considered are these 5 problems with downloading or using the software they obtain for their iPhone.

1. There are still little bugs and software errors in some of Apple’s iPhone Software. Even now, after all of the software complaints have been received and handled by Apple…it’s impossible to have fixed all of the errors, and worked out every single iPhone Software bug that exists. I recommend that you immediately uninstall any suspect piece of software you have downloaded if something unusual happens, or contact Apple technical support. Or alternatively consider getting downloads from other reputable download sites.

2. For downloading audios, iTunes can get expensive in a hurry at about $1 a song on average. It can easily add up real fast because at “just” a $1 a pop, it can seem like you are not spending much but suddenly, in all the excitement of getting the music so easily, $50 has gone!
Its a good idea to set a budget when you are downloading audios from iTunes. (It is less of a problem if you are downloading from a membership site because you pay just a once only joining fee and can then download all you want). But the warning IS needed when using iTunes as it’s so fun tthat it is easy to forget about dollars.

3. Java does not run on the iPhone. Any iPhone Software you find that claims to be running Java – beware!! The iPhone does not run Java. There does not seem to be plans in the near future
to include Java in any iPhone Software updates either.

4. Downloading software to your iPhone may seem like a real convenience. There is a huge demand, for example, for iPhone games that are downloaded direct to the iPhone rather than being played via the internet. Or for movies that can be downloaded direct (eg by paying rentals to iTunes). And it is convenient -for about 30 seconds! It stops being convenient right about when we realize that the movie or game has taken up all the usable iPhone memory. There is also the possibility of downloading bugs or viruses this way!

Because there is so much good stuff to download – but limited space on the iPhone it makes sense to set priorities for downloads. My priority is music – because I know where I can get movies that I can download to my computer and then load to my iPhone whenever I want to watch them and I know that I can play all the games I want by using the online facility. So I see no need to use up good music download space for those purposes.

5. It’s important that you choose a reliable sources for your iPhone downloads that will provide you with bug-free software, with no malicious code or viruses. The skill you use in selecting software for your iPhone, and the source that it comes from, may well prevent many BIG headaches in the future.

Avoiding the specific common mistakes in this article can also add fun and enjoyment to the use of your iPhone over a long period of time. There are a number of useful software applications available on theinternet to enhance the usability of your iPhone – so long as you choose your download sites wisely.

You can find out all about the best sites for iphone downloads by visiting iphonegizmo.com

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The Iphone is an extremely hot device to own, and probably the best phone on the market right now. The Iphone’s capabilities are limitless and you can fill your phone up with endless music, movies, tv shows and games. If you are among the thousands of people who stood in line to purchase your Iphone then you may be still wondering what’s the best way to go about filling up your phone with media?

In response to the owners of Iphone’s demand for quality music, dvd, and game downloads, quite a few sites have recently popped up. Some of these are quality sites and some are just avenues to infect your computer and Iphone with viruses. The quality sites give you direct access to millions of Iphone compatible files once you sign up. These sites also provide you with free video converting software so that all of the media you download can easily be put on your Iphone.

The first decision in choosing an Iphone Download site is whether you are going to join a “free site” which then charges you $.99 or $1.99 to download your media from. Or you may choose to join a membership site that allows you unlimited downloads for life! Hmmmm, let’s do the math; you can store over 100 songs on an Iphone. If you multiply 100 songs times $1.99 per download that’s a whopping $199. I know that it does not seem to cost much when you download 1 or 2 songs, but over time it will add up. Now let’s compare that to the price of membership at an Iphone download site; all of the membership sites have pretty much the same price. Compare $49.95 for a lifetime membership and unlimited downloads to $199 for 100 songs. Are you sold on membership sites yet? I know that I was when I did the math.

It is important that the Iphone Download site that you choose has the type of music you want to fill your Iphone with. Not all download sites are created equal; if you’re looking for jazz for your Iphone, then check and make sure they support lots of different jazz artist, nor just 1 or 2. Also, check out how fast you are able to download media files. You don’t want to be sitting at your computer all day just to put one or two media files on your Iphone. There are some differences in download speeds between the major competitors. So be sure that you choose the one with the fastest download speed.

If you are not computer savvy, it’s a good idea to check out how user friendly their software is. This may be a little difficult to do, but you don’t want to be wading through 100 page manuals to try to figure out how to install and use their software. It is also important that they have 24/7 tech support; there is nothing more frustrating then having a problem with your software at 4:00 a.m. on a Sunday morning and there is no one around to answer your questions. Customer Support is very important. Most of the reputable sites have a FAQ to handle the most common problems, but don’t hesitate to email customer support a question to see how long it takes them to respond. They should respond to your question within 24 hours, if they don’t maybe you should check out another site.

You should check out the company’s reputation before you spend any money on Iphone forums, by word of mouth and you also can check out the company on Rip Off Report. If you have never heard of this service, it is a website that you can go to and enter the companies name and see if anyone has filed a complaint against the company. If there is more than 1 complaint against the company then you should steer clear of that download site. Complaints can range from not getting a refund when it is requested to not getting the link to download and customer service does not respond the email inquiries

The final questions to answer are do they offer a money back guarantee if you are not happy and doe they offer secure payment processing. Most of the reputable sites do offer a money back guarantee if you ask for a refund within 56 days. This gives you the chance to join, try out the software and download media files to your Iphone; if you are not happy with the quality of the media files, then by all means ask for a refund. Before you join any membership site, make sure that you are using a secure payment method so that no one is able to get your personal information.

If you have read through all of the information above and are still not sure which Iphone Download site to choose then there is still more help available. Click on the link that says Iphone Extras and see the top three Iphone download sites that are available.

[http://www.iphoneextras.org]

Stop Procrastinating and START Downloading Today!

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