Tips for choosing the insurance of your mobile phone
Everyone, or almost everyone, now has a smartphone. Being robbed, losing or damaging your phone is an eventuality to consider, so the question of taking insurance arises. Should I insure his mobile phone? In which case does it work? Answers.
What doesmobile phone insurancecover?
Generally, the insurance offered by telephone operators and insurers cover the damage that can be caused on your phone, but also its loss. In some cases, if you contact your dealer, he can also offer you insurance against possible breakdowns.
Consider whether your home insurance or auto insurance can intervene in case of theft or loss . If a third party damages your phone, it can, for its part, play its civil liability.
What is the cost for mobile insurance?
Before you decide to take insurance for your mobile phone, make a comparison to choose the insurance that suits you best . Also pay attention to the proposed rate: a sum of 5 euros per month may seem minimal, but do not forget that you must multiply this amount over the entire duration of your contract (at least 12 months, in general).
The day of the purchase of your phone, if the seller invites you to take out insurance, refuse. Do not rush, take time for reflection.
Read your contract carefully
Before signing your contract, review the clauses mentioned . Thus, you may find that some contracts provide for deductibles and others exclude the slightest compensation in certain cases (for example, the theft of the phone in your car).
In case of theft of your mobile phone
Long before you think about playing your insurance, the first thing to do is to warn your operator so he can block the line as quickly as possible. Then, without delay, file a complaint with your police station. After completing these two steps, you can finally declare your theft / loss to the insurance you have taken out.