A smartphone or PDA, especially the high-end ones, represents a significant investment. So losing one to theft, loss, or accidental damage can be quite a painful experience. Most retailers already provide you with warranties, which is a basic form of protection. It's great to have a gadget suffering from accidental damage fixed for free, but what happens when you lose your device through a Thief's cunning or your own carelessness?

Here's where a smartphone or PDA insurance comes in. They entitle you to a payout if you happen to lose your gadget for any reason other than intentional damage. Granted, just like any other insurance package, insuring a gadget requires a monthly or even daily cost. But Solware has a good argument:

The free/cheaper handset you receive when you sign a twelve month contract with your service provider can cost up to £1000 to replace if you lose or damage it. This is because the network (T-Mobile, Vodaphone etc) discounted your PDA because you are promising them 12 months of your business.

With the 2U PDA Insurance policy you have peace of mind knowing that, should you have a problem, these costs will be covered by us.

You should consider insuring your smartphone or PDA is because it helps you deal with the randomness of bad luck. And if you're thinking that even the best kind of insurance won't help you recover your precious lost data, then you probably don't back it up on a regular basis. Which you should.