In the current times, our mobile phones have become an integral part of our life, with most of our personal and professional data stored on our smartphones.
Hence, we invest a significant amount when buying a smartphone and most of us tend to use it for about 2-4 years. However, if you wish to keep your phone working for many years, you must protect it from potential threats like accidental and liquid damage. You can do this with the right mobile insurance plan that will secure you financially for repair and replacement expenses for your damaged smartphone.
Why Should You Protect Your Phone with Mobile Insurance?
Here are some reasons why you need mobile insurance:
- High Cost of Repairs
Repairing or replacing damaged phone parts like mobile screens, speakers, etc. can be very expensive. Your mobile insurance plan will help you cover such expenses.
- Accidental Damage
Accidents like a drop, collision or other objects falling on your smartphone can damage your device. Your mobile insurance will provide coverage for such damages.
- Liquid Damage
Liquids are not a smartphone’s best friend. Your phone can get damaged if any liquid accidentally enters your device. A mobile insurance plan covers such damages.
Key Benefits of Accidental & Liquid Damage Protection Mobile Insurance
Some of the benefits offered by mobile insurance plans are as follows:
- Coverage for Accidental and Liquid Damages
A mobile insurance plan offers financial protection against accidental and liquid damages to your smartphone.
- Mobile Antivirus Protection
Certain mobile insurance plans offer complimentary antivirus protection for your device along with coverage for accidental and liquid damages.
- Subscription for Entertainment Apps
Some policies also offer complimentary subscription packages for entertainment apps like Gaana Plus and Zee5 along with their mobile protection plans.
What is Not Covered by Mobile Insurance?
The following are excluded from mobile insurance plans:
- Change in Smartphone Ownership
You will not be allowed to avail the benefits of a mobile insurance plan if the ownership of the smartphone changes.
- Electric Damages
Most mobile insurance plans do not cover any loss or damage caused due to overloading, short-circuiting or over-straining of the device.
- Manufacturer Guarantee/Warranty
Usually, mobile insurance policies do not cover the damage or loss of mobile parts that are a part of the mobile manufacturer’s guarantee or warranty.
- Recall by Phone Manufacturer
Most policies do not provide coverage for the failure of any mobile part that is subjected to be recalled by the manufacturer.
How Can You Buy Mobile Insurance?
Here is how you can buy a mobile insurance plan online:
- Visit your insurance provider’s official website and navigate to the ‘Mobile Insurance’ section.
- Fill in the application form with all the necessary KYC details.
- Submit all the required documents.
- Finally, you will have to pay the premium for your mobile insurance using any online mode of payment like debit card, credit card, UPI, net banking, etc.
Your mobile insurance policy documents will be sent to you once you have completed the premium payment.
Documents Required to Buy Mobile Insurance
You will need the following documents to buy a mobile insurance plan in India:
- Warranty documents from the mobile dealer
- Details of your mobile model
- Invoice copy of the mobile purchase
How to File a Claim for Mobile Phone Insurance
To file a claim against your mobile insurance, follow the steps mentioned below:
- Contact your insurance provider on their toll-free number or via e-mail and register the claim.
- Provide them with all the necessary KYC details.
- Your insurer will contact you to schedule a pickup time for your device once your claim is verified and approved.
- Your smartphone will be picked up from your registered address and will be taken to the brand’s authorised service centre.
- The service centre will give you an estimate of the repair costs once they receive the device and will share a payment link for the expenses that exceed your coverage amount.
- Your smartphone will be repaired and returned to you.
Summing Up
Whether you have an old phone, or if you have just bought a new phone, your mobile is definitely very valuable to you. Any damage to your smartphone can cost you a lot, hence it is important to get it insured with a mobile insurance plan that will secure you finally in case of any accidental or liquid damages. So, wait no more! Get your mobile insured now.