Cell phone insurance is one of those things you may not think about until it is too late. So if you’ve arrived so far without insurance, you’re in the right place, because protecting your smartphone with insurance is a smart and simple way to keep you calm. Does phone insurance cover theft?
Why do I need mobile phone insurance?
It can be a long list …
To start with a crack – if you’ve ever dropped your phone or a broken screen, you’ll feel like you’re in a broken screen with life. Netflix streaming becomes much less tempting, and every time you unlock the screen you will be reminded of your stupid mistake (or someone else’s!).
Ten times worse if you lose your phone or be stolen.
Or maybe you dropped your phone into the water and have never been so good since then.
Regardless of the problem, if you are properly insured, you don’t have to worry about it. In fact, if it’s a really good case, you can even use the phone without a case, leaving it as slim and good-looking as when you bought it.
What does phone insurance cover?
A standard mobile phone insurance policy may include insurance against loss, theft and accidental damage.
This means that if the screen breaks unintentionally, the insurer will pay for repairs or replacements. Some insurers will give you an “instant” replacement phone or will repair yours if it doesn’t work.
You can also have protection for:
- Water damage – If the device is accidentally damaged by liquid, telephone insurance can cover the cost of repair or replacement.
- Protection of many phones – protection of many phones at home thanks to the policy concerning many mobile phones. Some insurers may not cover the protection of children’s devices.
- Traveling abroad – standard phone insurance may expire if you leave the country. If you plan to go abroad, global phone insurance will cover your gadgets for a limited number of days.
- Telephone accessories
- Music or applications
- Battery change
How we choose them
Although we generally don’t take into account payout histories or customer service, our forums have horror stories about insurers rejecting claims, so we have excluded some cheap insurers with very bad reviews (tell us about your experience). However, we cannot guarantee 100% good service for everyone we include.
All of our best types below have confirmed that their policies will cover insurance against loss and theft, unless you are careless and will make reasonable attempts to recover your cell phone.
Is there something my mobile phone insurance does not cover?
Many insurers only offer insurance within six months of purchase, so keep that in mind. And some good ones don’t include a replacement phone, so if you want this option, check to see if it’s added to your policy.
Some policies do not cover unauthorized calls from your account, which means that if your phone is stolen, you may end up with a painful bill.