Phone insurance: features, types, advantages, reviews

A few years ago it never occurred to any of us that insurance and a mobile phone are two completely compatible things. And today, this service has not only become a reality, but also managed to gain some popularity. After reading this article, you will learn about the main features of such insurance.

Should I use this service?

Recently, representatives of insurance companies have noted an unprecedented surge in the popularity of such a service as mobile insurance. Phone insurance allows you to extend the life of the gadget without spending money on expensive repairs.

It should be understood that the design of such a policy is purely voluntary. As a rule, such a service is offered in the store immediately after the acquisition of the phone. The cost of an annual policy on average is about 10% of the cost of a smartphone. Despite the fact that different companies offer different insurance conditions, there are still a few standard points in the policies, including:

• the company undertakes to compensate the full cost of the stolen or non-repairable telephone;
• if the gadget needs repair, then the policy covers the cost of all necessary work.

How to understand whether it is necessary to draw up a policy?

Earlier it was mentioned that telephone insurance is voluntary. To understand whether it is profitable to draw up such a policy, you need to pay attention to several points. Those who plan to insure the phone against breakdowns so that later they do not have to spend money on expensive repairs, you need to inquire about the cost of repair work before applying for a policy. It is possible that as a result, you will find out that they will cost much cheaper than insurance from them.

In addition, before deciding on the insurance of telephones, you should check whether he has a guarantee. Otherwise, the policy will be completely useless. It is necessary to study the terms of the contract as carefully as possible so as not to end up in a difficult situation.

Area of ​​coverage and insurance risks

Having decided to use a service such as telephone insurance, at the stage of signing the contract, you need to discuss with the manager the list of places where your policy is valid. Often, after the phone is stolen on the street, it turns out that the coverage area of ​​the insurance is limited to the walls of your home. In this case, the company has every right not to recognize your case as insurance.

In addition, it is necessary to find out in advance whether they are considered insurance risk types damage to the device caused by its owner. Most often, mobile phones can be insured against breakdowns that occurred due to circumstances beyond your control (due to natural disaster, explosion, fire or theft).

How is phone insurance purchased?

Typically, a policy is issued at the time of purchase. This is done by shops and other companies specializing in the sale of mobile devices. The insurance procedure itself is carried out quite quickly, and this does not require any specific documents. Such a policy can be issued not only on phones purchased for cash, but also on devices purchased on credit.

After completing the necessary papers, the buyer is given the appropriate hands insurance policy, which provides for a whole range of insurance risks. When an insured event occurs, the amount of compensation paid by insurers is determined taking into account the cost of the phone itself, as well as the degree of wear.

How to get insurance payment?

To receive compensation, the owner of a stolen or damaged phone must provide the insurance company with all the necessary documentation, including:

• own passport and TIN;
• insurance policy on a mobile device;
• checks confirming the cost of equipment and payment of the insurance policy.

If necessary, this list can be supplemented by the conclusion of a representative of special state bodies confirming the occurrence of an insured event. Often insurance companies refuse to pay under the pretext that damage or loss of a mobile phone was the result of improper handling of the device. Therefore, before signing the contract, you need to carefully study all of its points.

Some insurance companies rightly fear that their customers may attempt to make money on the policy. In order to protect themselves from possible fraud, they impose restrictions on the number of possible appeals. But in most cases, insurers are content to limit the amount of payments. Typically, the amount of compensation does not exceed the cost of the mobile phone itself.

If the device was stolen by intruders, then to obtain compensation payments on the insurance policy you need to submit a certificate from law enforcement agencies confirming the fact of opening a criminal case. Thus, insurance companies are trying to protect themselves from scammers who intentionally hide phones to get insurance.

Conclusion

Insurance is a great opportunity to protect yourself from the risks associated with a possible breakdown, theft or manufacturing defect. Despite what is such a service available to all buyers of mobile devices, many prefer to abandon it, arguing that it is a banal unwillingness to contact representatives of the insurance company. However, they lose sight of the fact that failure often entails significant costs for the costly repair of a broken gadget. Whereas the people who issued the policy do not have to restore the damaged device for their own money. Mobile phone insurance, reviews of which were divided into two opposite opinions, is a very common service in our country. Those who used this service claim that insurers fully reimbursed the cost of repairing a failed cell phone. But there are also people who have not received payments due to them under the pretext of violating clauses of the contract.