Smartphone Insurance inclusions and exclusions

 

As people are more intended to usage of Smartphones and they are also costly enough these days that people start purchasing mobile insurance so as to protect their phones from following:-

 

Policies for mobile insurance offer smartphone protection against a range of risks and phone damage. Smartphones may be susceptible to software failure because they are electronic devices, this will make the smartphone worthless. In addition to internal damage, exterior damage can also happen for a number of causes. Here are a few hazards and damages that are frequently protected by mobile insurance policies.

 

Inclusions in Mobile Insurance cover:-

•       Water damage to the phone's internal components and other parts.

•       Hardware issues, such as a broken touchscreen, a bad headphone jack, or a broken charging port.

•       Phone damaged due to fire.

•       Damage brought on by riots, strikes, or terrorist activity.

•       Damage brought on by malice aforethought.

•       Cracks in screen

•       Device loss because of theft due to home invasion, or burglary.

•       The theft of a device from a locked building or vehicle.

•       Deterioration of the device's internal or external components.

 

Following are the exclusions from mobile insurance:

 

The following is a list of some typical exclusions from mobile insurance coverage. The insurance is invalid:

•       If the phone mysteriously vanished and the reason you do not know.

•       If the phone is taken from a parked car or unsecured facility.

•       Theft of a mobile phone from an unattended vehicle.

•       If there is any loss or damage to the phone while it is being used by someone other than the owner of the phone.

•       If experiments were conducted on the gadget while it was overloaded or under unusual circumstances.

•       If any harm was done to the gadget because of normal wear and tear.

•       If any damage results from a change in the climate or atmosphere.

•       If the insured device's owner committed any wilful or intentional acts that contributed to the damage.

•       Any flaws or harm that the procedure of maintaining or cleaning the equipment may have introduced.

•       Mobile Phone charger, Protection covers, Earphones are not covered under smartphone insurance.

 

List of organisations that offer mobile insurance:

There are following list of apps which are

1.    Times Global Insurance –

The company offers insurance solutions that cover liquid damage, screen damage, gadget theft, malfunctioning cameras and displays, accidental damage, and breakdown. For the insurance purchase, little documentation is sufficient. Customers who do not file any claims during a year are eligible for the No Claim Bonus facility.

 

2.    OneAssist –

OneAssist is an all-in-one platform that offers insurance coverage for everyday products including mobile phones and tablets, wallets, laptops, and household appliances. The business offers cashless repair services with 100% original replacement parts. Other advantages of purchasing insurance with OneAssist include free doorstep collection and drop-off services.

 

3.    SyncNScan –

To secure your mobile device from theft and malicious harm, SyncNScan offers insurance cover. When necessary, the system automatically recovers data that has been backed up. Other capabilities of the programme include finding/locking the missing phone and tracking and eliminating viruses and spam communications.

 

4.    OnsiteGo –

OnsiteGo makes it simple and straightforward for you to safeguard your electronic equipment. Even after the manufacturer's warranty has ended, your gadgets are protected by the business's flagship product. Physical or liquid damage is covered by the mobile insurance plan as well.

 

The above-mentioned insurance you can purchase while purchasing the smartphone through online as well as offline mode. You can add insurance even for multiple years. You can even purchase after purchasing the phone but most of the time you can purchase insurance only within 7 days from purchase of the smartphone.

Mobile service providers such as Airtel, Vodafone etc. also provide free smartphone protection, free of cost to their customers. You have to upload your purchase details along with front and back panel photos of your smartphone for getting the insurance.

 

Procedure for filing the claim against the insurance:-

Under mobile insurance, submitting a claim is an easy and painless process. You must give the insurance company your smartphone's purchase receipt or bill, together with the serial number, in order to submit a claim. In case your smartphone screen was damaged, which is the most filed claim in mobile insurance then you have to upload the front and back panel pictures of your smartphone. Then the insurance provider will pick your smartphone within 48 hours and they will deliver your smartphone after repairing your smartphone within a given period.

 

Additionally, within the first 24 hours of the phone's theft or loss, you must file a FIR (first instance report) for the missing device. Within 48 hours, you can submit a claim together with the FIR and claim intimation documents. There is no need for elaborate documentation for the insurance purchase. No Claim Bonus facility is offered to customers who do not raise any claims in a year.