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HomeDigit NewsWhat is mobile insurance, does insurance cover water damage? Learn

What is mobile insurance, does insurance cover water damage? Learn

  • Highlights
  • Insurance covers the damage caused to the phone by water.
  • Get insurance to protect the phone.
  • Phone insurance is like other insurance.

New Delhi. India is one of those countries in the world, where mobile is used the most. One reason for this is the availability of internet at a low cost. Due to low internet prices in India, most people use smartphones. Apart from this, Indian youth also want to keep the most expensive phone in their hands. In such a situation, users face the problem of phone being broken, stolen or lost.

Apart from this, many times your phone water falls in other liquids. Many times the users have to face big loss due to this type of accident. Especially during the rainy days, many times your phone gets drenched in water, causing great damage to it. However, these pitfalls can be easily avoided. For this you just have to get your phone insured. Once insured, you will not have to worry about your phone.

Insurance covers water damage
Insurance companies cover users’ phone damage, theft, loss as well as water damage. Your mobile phone can also get damaged due to moisture or humidity and this is usually covered by insurance. However, the extended warranty does not cover water damage to the phone.

What is mobile insurance?
Mobile insurance is just like your life insurance, health insurance, car insurance etc. You can get your phone insured from any insurance company. For this, the company will charge you a premium like any other insurance and if your phone is lost, stolen or damaged, then the company will pay you.

How to buy mobile insurance?
It is worth noting that phone insurance can be taken within five days of buying the phone. Generally, insurance companies offer phone insurance for one year only. If you get more than that, then it is an extended warranty.

What will be the cost of insurance?
How much premium you have to pay for phone insurance depends on the cost of your phone. The more expensive your phone is, the higher will be the insurance premium. However, while taking insurance, you can compare the premiums of all the companies and then take the best insurance premium.

How to claim?
If your phone is stolen, damaged or lost, you will have to give the phone bill, SIM block information and a copy of the FIR to the insurance company. Apart from this, you will also have to give the serial number of the phone. When you provide all these documents to the insurance company, the further process starts and you get your claim. It is noteworthy that you get only within 15 days to make an insurance claim.

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