For all those Orange and T-Mobile customers around the UK who will have to get use to the imminent new brand name for their mobile phones, could you think of a worse brand name for a mobile phone network than ‘Everything Everywhere’?

It is a brand that is sure going to attract some micky taking, especially when you have broken down on the side of the road with no signal, everything everywhere? … or maybe something sometimes may be more fitting. I am sure they know best!

A strange name and a strange re-branding move that will sure run into millions of pounds, but we have to wish them good luck with the move. Hopefully they will have more luck with their new branding than Royal Mail and the Insignia brand a few years back.

Maybe this was the reason why Orange exercised their rights in the small print of their monthly contract customers and increased their tariffs by 4.34% two weeks back?

Whilst millions of people welcomed in the New Year around the world, fun would not have been had by all. There will have been literally thousands of mobile phones of a variety of makes and models that will have been lost, stolen and damaged in all corners of the world.

Some folk will not be too worried as their handsets will only have been worth a few pounds and can easily be replaced. Yet owners of more advanced handsets, such as the latest Android phones and Apple iPhone owners will likely be kicking themselves at their bad luck or negligence.

Some of these people will have mobile phone insurance in one form or another. That could be with their network provider or an independent phone insurance company through to their home insurance policy or premium bank account.

Unfortunately, only around 40% of higher value handsets in the UK reportedly invest in an insurance policy to help protect the wallet against lifes unforeseen circumstances.

Some uninsured people who experienced a bad occurrence with their handset over the new year will attempt to purchase insurance after the event and then make a false claim over the next few day, in an attempt to have their iPhone replaced without having to take the full financial penalty themselves. This is not really the way to go, as it is classed as insurance fraud and if found out by the insurance company, risk being reported to the authorities and then face the possibility of a criminal record.

Insurance providers are getting increasingly tough on insurance fraud and have plenty of systems in place to decect and deal with bogus claims, so if you lost your mobile phone on New Years eve and then insured your handset at 3am on New Years day, think twice before you go ahead and make a claim a few days later!

On way to avoid this kind of situation is to purchase some mobile phone insurance before the accident happens. As mentioned earlier, you can get this from your network provider, online insurance companies, as well as from many premium bank accounts and via adding your handset to your home contents insurance policy.