Mobile phones can be expensive at the time of purchase, but in return, there are many benefits to us. In this way, it is about issuing insurance that gives us peace of mind because of the risk of theft, loss or screen violation, among others.
Like any other insurance, such as auto or home insurance, when choosing mobile insurance we must look at the type of coverage that covers the limits. You can find plans that will pay for repairs and others that will include many repairs for the year.
We have selected a list of insurance companies that we recommend below, with advice on various modes, coverage covers, repair plans, and in cases where it is appropriate or not to hire them.
Mobile insurance carrier
There are many users smartphone who choose to get their new terminal associated with an operator such as Movistar, Vodafone, Orange or Yoigo (among others), for the benefit of being able to pay for the installation, or get a discount on the final signal price.
Therefore, most of these telephone operators provide insurance services associated with the devices. They offer their own contracts, cover for damage, loss or even theft, so it's worth checking your options before going to an independent insurance company.
Movistar
The supply of many Spanish countries global coverage at a price of € 4,49 per month for operator users whenever they rent it within the first 15 calendar days after the item is purchased.
It includes accidental injury, theft or theft, related restitution, or fraudulent phone calls, up to € 1,000. Provide 6 different ways to adapt to each individual's needs, in addition to the minimum policy.
Vodafone
The British operator's case is the same, with two well-documented sources included. On the other hand, Comprehensive Protection Insurance covering theft or fraudulent use of up to € 500; on the other hand, Accident Damage Insurance that includes a screen fracture or a liquid injury.
Customer must pay a frame rate based on insured device (between € 25 and € 75) with a monthly payment of € 3.
Orange
The third largest telecommunications operator in our country shows on his website the conditions for obtaining a clear mobile insurance contract, setting the Franchise value for each mobile insurance price.
Very little time to rent 6 months and with prices starting at € 4 per month, for circumstances including the annual economic limit of the policy, equal to the purchase price of the insured device.
Yoigo
Some companies like Sum Broker are dedicated to marketing insurance converted to mobile devices. Your offer it starts at € 2.33 per month for cell phones their price is less than € 200, and € 3.5 if the cost of mobile is between € 200 and € 400. As its cost increases, the price goes up to € 12.67 with those above € 900.
Choose a mode, send an end-to-end picture and you will have insurance coverage for your mobile. How fast and easy to rent a service provided Sum Broker company. You can take advantage of three different modes: Basic, High and High.
Specialty insurance companies
There are a large number of companies in the market that offer insurance policies for damage due to alcohol and theft, but keep in mind that most roadmaps will not cover losses. This is what we know as stealing a clause of intimidation.
Make sure you look for a good print of what you're going to hire, because sometimes the cheapest price means that all modules will not be covered. Also think of add-ons as global connectivity when traveling, or covering unauthorized calls.
Technologies like Apple Pay and Android Pay are often associated with risk if your phone is stolen, as it may be used for mobile payments or transactions communication.
There are also companies that offer additional repair fees that exceed a certain amount of money. If you have a high end phone that can be valued at the time of purchase closer to € 900, you should also check this possibility.
Companies like Lasers provide insurance through basic coverage, or through optional coverage, to adapt to your needs. You should consider renting it only if your phone has less than 16 days since you purchased it with the purchase invoice.
The Zurich Group also offers Klinc insurance for various types of packaging and are made applicable to all types of products, including tabletit's portable smartwatch, an electric scooter or a GoPro camera. You can try Calculate your purchase price on your website.
These companies, unlike most mobile operators, allow you to sign up and cancel insurance from one day to the next, in the form that calculates the payment used depending on your travel or work requirement. play
Manufacturer's Insurance
Screen cracks or the fact of diving are often the most common cellular accidents. Therefore, it is important to assess the risk that could end your terminal.
Some smartphone manufacturers cover some damage during the first 12 months (2 years depending on specific cases). The IPhone they are one of them, along with high end models of major manufacturers such as Samsung either Huawei.
Check your home insurance
It is also possible that your phone is covered by your home insurance, also known as a home with many. Replacement of Ocaso Hogar PlusFor example, it covers personal and material damage to third parties that we have created on our home scale.
The tendency of companies to include you as a covered overlay when it comes to capital gains, but you'll be making sure that when your child's friend comes to play at home and it turns out that it's mobile tablet of a friend falls down and the screen is broken, under certain conditions, house insurance will take care of repairs.
Look at the fine print before you take your phone to fix it, because there are also banks that open an account, or even directly, collect some kind of insurance for your mobile phone.
The cover is a little different, because to adjust your screen, you may miss your 15 days. They choose a place of repair and you have to be willing to do it outside smartphone temporarily, but in return you will use the correction at a value of zero.
Look at the terms and conditions carefully
As a general rule, most mobile insurance broadens the coverage type to provide maximum coverage. Now, they offer screen repair, device-related breakage, liquid damage, or even costs associated with unauthorized calls.
However, there is still room for improvement, given users, information and data stored internally of great value. Cloud storage services partly compensate for this loss, but few have a copy of it all.
For models of smartphone its storage capacity is already at 128 GB, 512 GB, or even 1 TB, the amount of all the content you can store inside can be priceless.
Is it worth hiring mobile insurance?
If the price of a cellphone is no longer high, or after years of purchase, the cost of repairing it may be much lower than the price of renting a mobile insurance policy.
According to OCU (Consumer and Consumer Organization), having a comprehensive phone insurance does not compensate for the high price it pays in relation to the loan offered.
That said, check if it pays you to hire you. Obviously, your new terminal is even more the premium, the more you will be giving the reason for investing. It is also useful to use these valves in the event of buying a high-end terminal, compared to the low-cost.
If you are one of those with an iPhone, you can take a look article on how to choose the best insurance for your iPhone. We also mentioned in another report about that It's worth renting out the company's AppleCare service Related to their products.
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