The insurance of mobile phones
Smartphones are part of everyday life today. Increasingly sophisticated and technical, they can be expensive and have a high risk of theft. Also, it is possible to make sure to cover, in certain circumstances, the theft, the breakdown or the breakage of your mobile.
When and how to buy insurance for your mobile phone?
Insurers offer “telephony” contracts that you can subscribe to:
when you buy your phone, through your telephone company or the device distributor (specialty store, supermarket, etc.);
either directly with an insurer of your choice.
The possibility to waive insurance after subscription
If you change your mind after taking out insurance for your phone, you have 14 days to cancel the policy. The terms of the waiver and the steps to be taken are indicated in the insurance notice given to you.
What guarantees can we subscribe?
Guarantees vary by contract and insurance company. Contracts may include the following guarantees:
The breakdown guarantee in case of malfunction of the phone (the fault has an internal origin on the phone);
The breakage guarantee covers external damage accidentally occurring on the phone that interferes with its proper functioning;
Namely: The law requires insurers to cover only involuntary events. Any damage caused voluntarily on the phone can not be compensated.
Theft guarantee ;
The guarantee oxidation in case of accidental exposure of the product to moisture.
Depending on the contract, the scope of these guarantees may vary.
What support does your contract provide?
Your support will depend on the contract taken and the conditions of the guarantee, mentioned in the insurance note which you have been given. Depending on the case, the insurance may provide for compensation, reimbursement or repair of your phone or replacement by a similar phone. The insurer may also offer the loan of a telephone for the duration of the repairs.
The insurance can also provide for a refund of fraudulent calls made from your phone, as a result of a theft covered by your contract.
When subscribing to the contract, pay attention to the extent of the guarantees provided.
How to get compensation?
The procedures to be carried out are indicated on the documents which were given to you at the time of the subscription of the insurance.
You must declare your claim to your insurer or its manager as soon as possible within 5 days of its occurrence, or 2 days in case of theft.
The documents to be provided are also included in your insurance contract. As a general rule, you will be asked for the purchase invoice, a description of the damage, a complaint to the police station in case of theft, etc.
The insurer, after studying your request and expertise of your phone, in case of breakdown, breaks …, you will answer on its support.
Before proceeding with repairs, you must wait for the agreement of your insurer. Remember to save your phone data if you have to send it for repair.
How to cancel your insurance?
At the end of a period of one year from the date of subscription of the contract, you can terminate it at any time without charge or penalty.
The termination by the insured of his insurance contract takes effect one month after receipt of the request by the insurer, and entitles him to the reimbursement of the part of the contribution not covered as a result of the termination.
Some contracts allow termination at any time without waiting for the period of one year.