Jeffrey Wade
Mobile phones have become an essential part of modern life, so it's important to consider insurance to protect your device. Whether you have a new or old phone, insurance can give you peace of mind and save you money in the long run. Many companies offer mobile phone insurance, including Asurion, Digit, Progressive, Upsie, and AKKO. These companies provide protection against accidental damage, such as drops and spills, as well as theft and mechanical breakdowns. Some plans also offer additional benefits like tech support and fast repair or replacement services. When choosing a plan, it's important to consider the cost, coverage, and exclusions to ensure you have the right protection for your device.
| Characteristics | Values |
|---|---|
| Company | Asurion, Digit, Progressive, Upsie, AKKO |
| Coverage | Accidental damage, defects, loss, theft, cracked screens, spills, vandalism, liquid damage |
| Cost | $8/month, $9.99/month, $15/month |
| Devices | iPhone, Samsung, Google Pixel, refurbished devices |
| Customer Service | Same-day service, rapid claims, reimbursement, tech support via call, chat, in-person |
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What You'll Learn
Online
There are several options for purchasing mobile phone insurance online.
Digit
Digit offers mobile insurance for new and old phones in India. Their insurance covers accidental screen damage, whether it's due to a fall or liquid damage. It does not cover phones with screen guards. The cost of the insurance is comparable to the cost of a screen guard, but it covers the entire phone. To purchase insurance, you must first complete an online self-inspection test and remove any screen guards. After purchasing the insurance, you can repair your phone anywhere you like and will be reimbursed for the amount up to your sum insured.
Mobile Phone Insurance Direct
Mobile Phone Insurance Direct is a UK-based insurance provider that offers comprehensive and affordable mobile phone insurance. They cover a range of devices, including iPhone, Samsung, Google Pixel, Oppo, and Xiaomi. Their policies cover accidental damage, theft, and loss. They offer unlimited claims and have a simple claims process. The cost of insurance depends on the device, its value, and the type of coverage needed. They offer annual payments and customizable cover options to suit your needs.
Assurant
Assurant offers phone insurance and protection plans for T-Mobile customers. Their plans cover accidental damage, loss, and theft. Customers can file a claim online, in the Protection 360 app, or by calling their customer service line. The monthly cost of the protection plan ranges from $7 to $25 per device, plus applicable tax.
Asurion
Asurion is a phone insurance company that has been in business for over 20 years and is trusted by 300 million people worldwide. They offer insurance for iPhone, Samsung, and Google devices, covering accidental damage, defects, loss, and theft. Many of their plans offer tech support via call, chat, or in-person at one of their 700+ uBreakiFix stores.
Amazon
Amazon.in offers mobile insurance plans through Acko and ONSITEGO. The specific details of these plans are not provided.
T-Mobile
T-Mobile offers its own phone protection plans, which include ID protection software for up to 10 eligible household devices. Their plans also include early device upgrades for qualifying devices.
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Through your mobile carrier
Mobile phone insurance is available from a variety of sources, one of which is your mobile carrier. Many mobile carriers offer insurance plans for their customers, often at affordable prices. These plans typically cover accidental damage, defects, loss, and theft, giving you peace of mind and protecting your device from life's mishaps.
One example of a carrier that offers phone insurance is Asurion, which has been in the business for over 20 years and is trusted by 300 million people worldwide. Asurion provides insurance for various phone brands, including iPhone, Samsung, and Google. Their plans often include tech support via call, chat, or in-person at their uBreakiFix stores. Claims are handled swiftly, with most repairs completed on the same day and replacements sent out quickly.
Another option is Progressive, which offers phone and electronic device insurance through Worth Ave. Group. Their plans cover iPhone and Android devices, whether new or refurbished. Progressive's insurance provides protection beyond the manufacturer's warranty, including coverage for drops, spills, cracked screens, theft, and vandalism. Additionally, they offer unlimited claims and affordable monthly rates, such as an iPhone insurance plan for as little as $8 per month.
AT&T, one of America's most popular mobile network carriers, also provides smartphone protection plans. While specific details of their plans are not readily available, they are known for their popularity and extensive customer base.
When considering insurance through your mobile carrier, it is essential to research the specific terms, conditions, and coverage offered by each carrier. Plans can vary in terms of price, coverage limits, and exclusions, so it is crucial to understand what is included in the plan before making a decision.
Overall, opting for mobile phone insurance through your carrier can be a convenient and reliable choice, providing you with the assurance that your device is protected in case of any unforeseen incidents.
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Via a third-party company
Mobile phone insurance can be purchased through a third-party company, such as Assurant or Asurion. These companies offer insurance plans that can cover accidental damage, defects, loss, and theft. They provide technical support and in-person assistance at their repair stores. For example, Asurion has 700+ uBreakiFix stores where customers can receive hands-on help. Assurant also has 500 retail and in-store repair stores across the US and Canada.
Third-party insurance companies often allow customers to file and track claims online or through a dedicated app. For instance, Asurion customers can start a claim on their website, while Assurant customers can use the Protection 360 app by Assurant. These apps may also provide benefits such as live technical support and easy access to coverage details and terms.
When purchasing mobile phone insurance from a third-party company, it is important to consider the specific terms and conditions of the policy. For example, T-Mobile's Protection 360 insurance plan, underwritten by Assurant, includes JUMP! Upgrades, which allow customers to upgrade their device early once they have paid 50% of the device cost. Additionally, the plan offers ID protection for up to 10 eligible household devices, including PCs, Macs, smartphones, and tablets.
It is worth noting that some third-party insurance companies may have specific requirements for adding insurance after purchasing a device. For instance, T-Mobile requires devices to pass a visual mechanical inspection before adding Protection 360 to an existing device. Therefore, it is advisable to review the terms and conditions of the insurance plan before making a decision.
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For new phones
When you get a new phone, it's a good idea to get insurance to protect your device from accidental damage, especially if your phone is expensive. Here are some options for mobile phone insurance for new phones:
Allstate Protection Plans
Allstate Protection Plans offer worldwide coverage for your phone, including accidental damage, electrical or mechanical failures, and more. Your plan automatically transfers to your new phone, and you can get your phone fixed at one of thousands of local repair shops or Apple stores if you have an Apple device.
Progressive
Progressive offers a two-year iPhone insurance plan for as little as $8 per month, with unlimited claims. They also offer coverage for other devices, including automatic cloud backups to protect your data in case your phone is stolen or damaged. The cost of the plan varies depending on the phone's brand, model, and age, and the coverage amount selected.
T-Mobile
T-Mobile offers Protection 360™, which includes both an insurance plan and a service plan. It provides coverage for loss, theft, and accidental damage. The plan also includes privacy and identity protection features, such as McAfee® Security, to keep your personal information secure from online threats.
Asurion
Asurion provides phone insurance that covers accidental damage, defects, loss, and theft. They offer tech support via call, chat, and in-person at their uBreakiFix® stores. Most repairs are done on the same day, and replacements are sent quickly.
Digit Insurance (India only)
Digit Insurance offers mobile insurance for new and old phones in India. Their plan covers accidental screen damage due to liquid or other types of damage. It also provides worldwide coverage, so you're protected no matter where you travel.
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For old phones
If you have an old phone, it's a good idea to consider getting mobile insurance to protect it from accidental damage, theft, or loss. Here are some things to keep in mind when looking for insurance for your old phone:
Mobile Insurance Options for Old Phones
Old phones can be more susceptible to accidental damage as they may not be in the best condition anymore. Additionally, users tend to become more relaxed with their old phones, increasing the chances of accidents. Therefore, it's a good idea to consider insurance for your old phone, especially if you're not planning to buy a new one anytime soon.
Worldwide Coverage
Some insurance providers offer worldwide coverage, so no matter where you are, your old phone will be covered in case of any damage or theft. This can be especially useful if you travel frequently or plan to go on a trip.
Comprehensive Coverage
Look for insurance plans that offer comprehensive coverage, including protection against accidental damage, liquid damage, screen damage, theft, and loss. Some providers even cover all malfunctions and manufacturing defects. Make sure to read the terms and conditions carefully to understand what is included and excluded from the coverage.
Affordable Pricing
Mobile insurance for old phones can be quite affordable, with some providers offering plans for as low as $9.99 per month or Rs-499 per year. Additionally, you may be able to find insurance with no additional cost, depending on the provider and your phone's condition.
Ease of Claims
Choose an insurance provider that offers a hassle-free claims process. Look for companies with positive customer reviews regarding their claims handling and customer service. A smooth claims process will ensure that you can get your phone repaired or replaced quickly and efficiently.
Device Requirements
Some insurance providers have specific requirements for the devices they insure. For example, some may only insure phones purchased from VAT-registered companies or those classified as Grade A handsets. Make sure to check the eligibility criteria before signing up for any insurance plan.
Example Insurance Providers
- Upsie: Offers comprehensive protection for used and refurbished phones at affordable prices. Their plans include accidental damage coverage and have a $0 deductible for screen repairs.
- Digit/DigitInsure: Provides worldwide coverage for old phones, including protection against accidental and liquid damage. They also offer theft and loss insurance.
- Loveit Coverit: Insures Grade A refurbished devices purchased from UK VAT-registered sellers, provided they come with a 12-month warranty. They offer comprehensive insurance for all mobile phone models.
- Allstate Protection Plans: Allows you to protect your old phone against accidents, electrical or mechanical failures, and other types of damage. They have a deductible of $149 for all smartphone claims.
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Frequently asked questions
There are several companies that offer mobile phone insurance, including Asurion, Digit, Progressive, Upsie, and AKKO.
Mobile phone insurance typically covers accidental damage, such as drops, spills, and cracked screens. Some policies also cover loss, theft, and vandalism. Additionally, some insurance plans cover mechanical or electrical breakdowns, while others do not.
Mobile phones have become essential in the modern world, and they can be expensive to repair or replace if something goes wrong. Insurance can provide peace of mind and protect you from unexpected costs. However, it's important to carefully review the terms and conditions of any insurance policy before purchasing it to ensure it provides the coverage you need.
