In this comprehensive guide we explain what you should consider when hiring mobile insurance.
This is a complete guide that will help you Choose the ideal insurance for your mobile. We cover the most important topics from coverage and repair costs to customer service and price comparison Discover what it takes to make the best decision and determine if you really need insurance for your mobile. Although mobile insurance has its advantages, it is also better to take time to decide. Stay with us until the end!
Insurance coverage
Let’s start with the most important. Let’s talk about it Insurance coverage. In this sense, it is essential that you make sure that the insurance is really going to cover accidental damage, theft and damage to the device. Another important thing is that the contract is specific, specifically covering protection against water damage, broken screens and electrical problems.
And, as usually happens in these cases, you have to be very clear about what COVERAGE CONDITIONS, INDEMNIFICATION LIMITATIONS AND EXCLUSIONS. For example, an insurance may advertise that it covers any damage, but only if the device stops working completely.
Finally, find out Whether the company will offer you an expedited phone replacement In case of accident. Best of all, before signing the contract, read the terms and conditions carefully to ensure that the coverage suits your needs and really suits you.
device included
Another thing you should review is whether the insurer has potential Include multiple devices in one package. You may find the option to group policies for your phone, tablet or other electronic devices interesting
The main advantage of grouping multiple devices under the same policy is that you can Get comprehensive coverage and simplify insurance management. Although sometimes they are not so clearly advertised, it is not unusual to offer packages for different devices.
Repair costs
Some insurances may add some additional costs when it comes to repairing something as delicate as curtains
Let’s move on to the third point when evaluating mobile insurance. And it is very important Consider the cost of repairs. In this regard, you should clarify the following points:
- Additional charges for repairs. Some insurers may apply additional charges when fixing your device. Before buying insurance, check if you have to pay any service fees while filing a claim. Generally, these payments are lower than repairs without insurance, but you must be clear about the important ones before taking out a policy.
- Official price comparison. Additionally, we advise you to weigh the cost of insurance against the cost of repairs at an official center. Sometimes the policy amount can be comparable or even higher than the cost of a particular repair. Evaluate these factors carefully so you don’t get unpleasant surprises.
Customer service
The Customer support This should be a priority in the company you choose to get your insurance from. It is good that you know multiple means of communication to send questions or make a claim to the insurer. At the very least, you’ll be able to speak to the customer support team via phone, email, chat or WhatsApp.
This will make it easier for you to ask the right questions, solve problems or get support. Don’t forget: good customer service is an indicator of that You will get the support you need If you need help with mobile insurance.
repair center
Now it is the turn of the repair centers. Where to send your broken phone? This is a question that you need to resolve before taking insurance. It is better to verify that the insurer Work with centers specialized in your mobile brand.
Which repair center will fix your phone damage? You better have this information as well as their location
How relevant is this point? Well, having access to a specialized repair center increases the chances of getting a quality service and Guarantees that the spare parts used are genuine. This is more important if your device has a high market value.
Other insurance contracts
Do you have other insurance contracts? Of course, you probably have an active policy in your home. then, Check home insurance coverage What you currently have You may already have some active coverage that protects your mobile devices
Without going any further, some home insurances provide one Comprehensive coverage covering accidental damage, theft or loss of mobile devices. Compare the coverage included in both insurances and decide if you really need a specific one for your mobile. Obviously, if you don’t duplicate coverage, you’ll cut costs while keeping your devices protected.
Beware of free quotas
Let’s talk about a strategy that some insurers use to attract and retain you as a customer. We mention free installments, which are included in some promotions. Generally, there are two ways to enjoy the trial month:
- At the time of contracting the insurance. It is important to read the terms and conditions carefully before accepting any offer of free insurance. Make sure you fully understand the requirements and steps to cancel insurance if you decide you don’t want to continue
- When you buy a new device. Another possibility is that, while buying a new mobile, the salesperson gives you an option to try the insurance for one month. In many cases, this strategy is usually associated with difficulties in making monthly payments. The best thing is to double check what you are really signing so they don’t charge your bank account unexpectedly.
Insurance vs Government Guarantee
Let’s focus for a moment on the official guarantee. In Spain, by law, one of these two coverages is offered:
- 2 year warranty. For products purchased before January 1, 2022.
- 3 year warranty. For equipment purchased after January 1, 2022.
The guarantee covers damage to the device, as long as it is used by the owner. This means that if there is a problem with the phone’s screen that is not caused by an injury or tampering with the parts, the manufacturer must take responsibility.
The guarantee does not cover accidental damage, but it does cover operating problems that prevent the device from functioning properly
The point is that it is important when choosing insurance Buy a package that goes beyond warranty coverage. Otherwise, you will be paying for a service that the manufacturer must provide to the consumer.
Payment method
What payment options does the insurance company offer you? The usual thing is that it offers you to pay the fee in the following ways:
- Annually. This is a higher payment, but sometimes it is associated with a discount on monthly payments.
- monthly salary. It is a more flexible and cheaper entry option.
- Pay as you spend. A novel way that allows the user to turn the insurance coverage on or off as they see fit. Thus, if you are going to spend a long time at home, you may find it worthwhile to pause the insurance. At the end of the month you will be charged the proportionate share.
With these methods on the table, here are some tips to avoid making mistakes when getting insurance:
- Check the durability. Just because the insurance pays a monthly payment doesn’t mean you can unsubscribe at any time. You may have to keep your contract with the company for a certain period of time.
- Payment platform. It is worth looking into the payment options offered by the insurer The usual thing is to pay the fee with a card, but you may find it convenient to do it with Apple Pay or a bank account.
Precio
And we come to the final point: price. If you ultimately decide to take out insurance, we encourage you to compare prices and get feedback from other users. It is also positive that, when you read recommendations from the media, you are convinced This is not a sponsored article Or it contains affiliate links.
We do not mean to say that these practices are illegal, far from it. But, it is clear that An advertisement or a medium that makes money from links That text includes you will not find a fair comparison between insurance companies.
Once you find an insurer that enjoys a good reputation and offers you everything you need, read all the terms and conditions carefully and accept the insurance. And if you have doubts, ask a commercial agent. Don’t take anything for granted.
