{"id":365,"date":"2021-11-09T14:13:31","date_gmt":"2021-11-09T19:13:31","guid":{"rendered":"https:\/\/www.greatcanadianrebates.ca\/finance-tools\/?p=365"},"modified":"2021-11-09T14:13:33","modified_gmt":"2021-11-09T19:13:33","slug":"when-is-mobile-phone-insurance-worth-it","status":"publish","type":"post","link":"https:\/\/www.greatcanadianrebates.ca\/finance-tools\/2021\/11\/09\/when-is-mobile-phone-insurance-worth-it\/","title":{"rendered":"When Is Mobile Phone Insurance Worth It?"},"content":{"rendered":"\n<p>You are in a multimedia store, and the seller offers you mobile phone insurance. Or you place an order for a smartphone on the website of your mobile telephone operator and, before confirming your order, the site suggests that you supplement it with an <a href=\"https:\/\/www.greatcanadianrebates.ca\/finance-tools\/2021\/10\/01\/5-different-types-of-insurance-everyone-needs\/\" target=\"_blank\" rel=\"noreferrer noopener\">insurance<\/a> product.<\/p>\n\n\n\n<p>For 12-20$ on average per month, you wonder if you should take out this type of contract? What are they covering?<\/p>\n\n\n\n<p>Today&#8217;s article will explain five risks you can insure yourself against with mobile phone insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What risks can I insure myself against?<\/strong><\/h2>\n\n\n\n<p>You have the option of insuring your smartphone against the following risks:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Fall and breakage<\/strong><\/h2>\n\n\n\n<p>Breakage damage is the classic among the involuntary mobile phone quirks. Everyone probably knows at least one person who has a phone with a broken display. Protection against broken glass and housing damage is essential and is therefore included in every common mobile phone insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Electronics damage<\/strong><\/h2>\n\n\n\n<p>This point primarily includes overvoltage damage. If you connect the phone to the electricity during a thunderstorm, there is a risk of a total failure of your device in the event of a lightning strike. Electronic damage is included in almost all insurance policies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Robbery, housebreak or simple theft<\/strong><\/h2>\n\n\n\n<p>This risk is likely to be particularly important for many when taking out mobile phone insurance. In contrast to robbery and housebreak, simple theft very often occurs. Please note: pickpocketing is usually not included in the standard versions of mobile phone insurance. To protect yourself against this risk, you need to choose the more expensive products.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Fluid damage<\/strong><\/h2>\n\n\n\n<p>If the cell phone no longer works because the liquid has penetrated it, this is, in principle, a case for the insurance company. But many insurers rule out weather influences. So if you walk through a cloudburst with your cell phone to your ear, you may not receive a compensation from the insurance company.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Costs for unauthorized use after theft<\/strong><\/h2>\n\n\n\n<p>Protection against unauthorized third-party use after a theft is also only ensured in the premium products of the insurers. So that it doesn&#8217;t get that far, you can block your SIM card as soon as possible after the theft.<\/p>\n\n\n\n<p><strong>Caution<\/strong>: Insurance does not cover all risks. It is therefore important to be aware of the following two exceptions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Wear and tear<\/strong><\/h2>\n\n\n\n<p>Normal signs of use, such as external wear and tear or a drop in battery performance, are not included in the insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Gross negligence<\/strong><\/h2>\n\n\n\n<p>Insurers rule out gross negligence, especially in the event of theft. An example of this: you go to the bathroom in a restaurant and leave your cell phone on the table. When you come back, it&#8217;s gone. So you should exercise care despite having insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mobile Phone Insurance Through a Credit Card<\/strong><\/h2>\n\n\n\n<p>Some credit cards like <a href=\"https:\/\/www.greatcanadianrebates.ca\/register.php?r=33&amp;p=Amex-Business-Gold\/\" target=\"_blank\" rel=\"noreferrer noopener\">American Express\u00ae Business Gold Rewards Card\u00ae<\/a> and <a href=\"https:\/\/www.greatcanadianrebates.ca\/register.php?r=33&amp;p=MBNA-Rewards-Platinum-Plus\/\" target=\"_blank\" rel=\"noreferrer noopener\">MBNA Rewards Platinum Plus\u00ae Mastercard\u00ae<\/a> include mobile phone insurance as a cardholder benefit. However, there may be a limit on how many claims you can file each year. And there&#8217;s often a per-incident and annual limit as well. For example, with the <a href=\"https:\/\/www.greatcanadianrebates.ca\/register.php?r=33&amp;p=MBNA-Rewards-Platinum-Plus\/\" target=\"_blank\" rel=\"noreferrer noopener\">MBNA Rewards Platinum Plus\u00ae Mastercard\u00ae<\/a>, you&#8217;re only covered up to $1,000 if your mobile device is lost, stolen, damaged, or malfunctions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>In conclusion: When is mobile phone insurance worthwhile?<\/strong><\/h2>\n\n\n\n<p>Mobile insurance is relatively expensive. The annuity can cost about 50% of the cell phone value, while car insurance is approximately 10% of the price of the vehicle.<\/p>\n\n\n\n<p>With that in mind, purchasing mobile phone insurance may be more advantageous for those with a higher value smartphone.<\/p>\n\n\n\n<p>But more than that, it&#8217;s important to analyze whether you are prone to more risks of theft and robbery. If you work from home, for example, and don&#8217;t go out often, you may not need insurance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You are in a multimedia store, and the seller offers you mobile phone insurance. Or you place an order for a smartphone on the website of your mobile telephone operator and, before confirming your order, the site suggests that you supplement it with an insurance product. For 12-20$ on average per month, you wonder if [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":366,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[10],"tags":[38,110,24],"class_list":["post-365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home","tag-insurance","tag-mobile-phone-insurance","tag-personal-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>When Is Mobile Phone Insurance Worth It? -<\/title>\n<meta name=\"description\" content=\"Five risks you can insure yourself against with mobile phone insurance. 1. Fall and breakage 2. 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