Insuring the smartphone has never been as simple as it is today. Insurance agencies, as well as telephone companies and electronics retailers themselves, offer specific policies dedicated to the latest generation of cell phones and tablets.
Smartphones and tablets are at the center of most of our daily activities, both privately and professionally, the connection point with everything that is part of our lives: friends, colleagues, collaborators, family members, services, and so forth. The best models are devices that in any case also have a high economic cost and therefore the need to protect themselves from mishaps, thefts, and losses becomes of vital importance.
Cell phones and other similar electronic devices are always by our side and consequently constantly at risk of accidents, damage, malfunctions, and breakages, as well as the increasingly numerous thefts that can occur under any circumstances. The prices of modern smartphones can even reach 1,500 euros.
The signing of a insurance policy for the smartphone allows both private individuals and professionals to have the security of a prompt intervention in cases of repair and replacement, but also to have at their side an assistance service available in many cases 24 hours a day.
The smartphone policies can cover various eventualities, generally not included in the traditional manufacturer’s warranty required by law. Some examples of clauses included in insurance for cell phones may be:
the breaking of the display;
malfunctions due to shocks or drops;
damage from falls, liquids, or fire;
damage caused by a third party who came into contact with the device;
damage from electrical short circuits;
malfunctions caused by improper use by inexperienced users;
damage caused by viruses downloaded from internet connection;
reception problems due to the antenna;
theft;
loss.
HOW MUCH DOES A SMARTPHONE POLICY COST
A policy for a cell phone or tablet can have very varied prices depending on the clauses included in the contract and based on the value of the device itself at the time of purchase. The amounts to consider for a traditional policy through an insurance agency start from 20 – 25 euros per year and go up to about 40 – 50 euros for more expensive smartphone models or for broader clauses. These are absolutely affordable amounts and often negligible compared to the costs required for damage or theft assistance, which makes it convenient for users to decide to protect their data and devices with dedicated insurance.
WHO OFFERS A SMARTPHONE POLICY
You can basically take out a smartphone policy in 3 different ways:
Choosing the protection of a telephone company by purchasing an all-inclusive package that includes a new generation smartphone and the phone traffic itself;
Making an insurance contract at the chosen point of sale that offers this optional option;
At your trusted insurance consultant with an ad hoc policy dedicated to your cell phone.
HOW LONG DOES A SMARTPHONE POLICY LAST
An insurance policy for the cell phone can last one or two years, usually the time an average user spends with the same device before replacing it with a more recent and updated version. It is the consumer who decides whether the policy should protect them for one or two years depending on their habits.
The insurance policy must be taken out at the time of purchase of the smartphone and activates in the days immediately following the signing of the contract.
IS A SMARTPHONE POLICY MANDATORY?
Insuring the cell phone is not mandatory for private users, nor for professionals. However, manufacturers are required to provide customers with a warranty coverage of 12 or 24 months for any manufacturing defects or malfunctions attributable to the device. This warranty is automatic at the time of purchase at any physical or online point of sale.
Very often, however, malfunctions and accidental damage prevent the customer from benefiting from this warranty offered by law, so it is advisable to take out a private insurance contract at the point of sale where the purchase is made or with your trusted insurance agency.
HOW TO TAKE OUT A POLICY FOR CELL PHONES?
The insurance policy can be purchased at the same time as buying the product in-store or online; there are many websites for purchasing an insurance policy online that offer the possibility to quickly compare the most advantageous companies, for example Mio Assicuratore is a valid policy comparator including policies for smartphones.
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