Smartphone insurance

What is the damage of breaking? By no means! Insurance companies have their own definition of terms. The comparison reveals what else you should keep in mind before concluding the contract and before the loss occurs.

In fact, one thing is clear: the magnificent phone falls to the floor, the display explodes - the insurance company pays for the repairs or provides the same amount of replacement No? In fact, the case of a loss or display is not automatically the case with the insurance company. Quirks, friction erosion, cracks, flaking, or breakout are simply stained. Protection is effective only when function and operation are interrupted, for example, destroying the visual and control panel.

The range of services provided by PlusShootz (MediaMart / Sat): Premium Mobile Phone Insurance (Telefonica / O2) is particularly wide: both include damage caused by weather and vandalism. Compared to a weak battery replacement of at least two insurers: Mediummark / Sat and quality guarantee.

Theft: Negligence will be punished

All of the charges we select include insurance benefits in the event that your smartphone is illegally changed hands. Security only comes into play when you handle your phone carefully: there's nothing in the device's open side pocket or unlocked locker. If a trouser is stolen from a closed handbag inside a jacket or on the arm, your device is insured beyond a doubt.

If, however, the thief makes an expensive international call to your telephone, you will have to pay a fee for five suppliers yourself. Others are more addictive: HandicacherBrief Exclusive HandySecure offers a minimum of 50 euros, HandyViceChering Premium from 2, and up to 200 Euros from HandVischerCharng LT-Mobile / Coaster.

Insurance counter current value

A smartphone will lose value with increased service life. In the event of a loss, many insurers pay only a self-calculated current price, not the purchase price for a new device. A questionable practice due to high contribution. Asona MyProtect performs particularly poorly: after theft or complete loss, the insurance company pays only 50 percent of the purchase price from the time the contract expires. Price protection Complete protection also comes down to 50 percent by the end of the second year, at least as a guideline.

Extra: What insurance actually pays

When discounts are closely monitored, they are worthwhile: good contracts do not provide discounts for repairs, total damage, and theft - with little or no fair value adjustment. Some tariffs require a certain amount between 30 and 70 euros, others a certain percentage of the purchase price. Among other things, there are no discounts: PlusShootz, FriendsSurance, MediaMark / Sat, Assurance Solutions, and even our price-performance winning Amazon.

Before graduation: Read the insurance terms

Mobile phone sellers in stores are not insurance specialists, but sellers. Believe in their statements like the text of a rare advertisement on the website of insurance providers. The final calculation is the benefits described in the General Insurance Terms (AVB). If the term leaves room for interpretation, difficulty can be expected in the event of a claim. So you should read this "small print" before taking out insurance. It is half-wild as most insurers manage with 1-4 pages.

Damage: You use it properly

If your smartphone is damaged, document the situation as much as possible, including photos from photos of friends, for example, and then report the damage to your insurance partner immediately. He will inform you about the next procedure. Important: Under no circumstances should the device repair itself before the insurance company fixes it for you. Because many suppliers name a repair service themselves.

If your mobile device is stolen, report it to the police immediately. Then you call your provider and block the SIM card so that no one can call at your own expense. Equipped with theft reports, you have reported insurance losses. Don't wait too long for this: Most insurance companies expect to report a theft within three to 14 days.