the smartphones have become inseparable devices For the most part, they last on average longer in our hands, and taking care of them is important. You will save the inconvenience if you protect the phone with covers, cases, and tempered glass for the screen, but they are not foolproof, nor an option for those who prefer to wear their phone’s original design.

If you need to repair them out of warranty, the mobile insurance They help make this process more bearable, ensuring less repair time or a replacement cell phone while it is being repaired, and without incurring high costs when, for example, the screen breaks, the mobile is wet or stolen.

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To insure a mobile, you can choose the insurance of the telephone operators, for the insurance of others tech stores, and for specific ones that some offer insurers. So let’s go through the fine print of each of these options to compare the differences among the main proposals that we find on the market.

What does the original mobile warranty cover?

Before giving way to specific insurance for mobile phones, remember that all devices two year warranty It covers any issue that is not caused by improper use of the smartphone. In other words, problems that may arise from internal software or hardware failures.

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Although there are no exceptions in the European Union warranty for battery and charger, it is customary for manufacturers to set it between 6 and 12 monthsTherefore, unless the battery failure is from the factory, it is common for manufacturers to allege that the battery has been misused to avoid having to replace them for a longer period. In this case, you will have to have it repaired yourself.

For the rest of the breakdowns, or after the end of the two years, the mobile can repair with significant cost, unless you have mobile insurance.

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Clauses to consider in mobile insurance

The problems related to smartphones can be very diverse, and many of them are covered by insurance available to almost any taste. The most common covers are:

  • With screen cutout, will be repaired by the technical service.

  • Before a wet mobile or that shows signs of humidity, will be repaired by the technical service.

In the event that they are beyond repair, it is very likely that a refurbished cell phone or a check for the value of the mobile at the time of the claim will be offered.

  • Theft and theft. In this case, it will be essential to present a copy of the corresponding complaint to the police and the solution may be to offer the same model or another of equivalent value.

  • the calls carried at the end of the line after a theft, can also be covered.

Among the failures that may not be included in some insurances, it is the failures of the charging and / or audio ports, specific failures such as WiFi, GPS, the sound of the speaker or the headset, batteries that discharge too quickly, or cosmetic damage that does not ‘prevent proper operation. There may also be exceptions when we lose the motive due to negligencethat is, if theft occurs when the user has left the device unattended or unattended in a dangerous location.


Damage deductible

In addition, insurance may be limited to maximum pieces per year there is usually one franchise minimum payment covering part of the repair or replacement. They may also be subject to a minimum stay with active insurance. And there is usually a maximum time to file a complaint as it happens.

The cheapest insurance

The insurance offered by telephone operators and stores such as Mediamarkt, El Corte Inglés or FNAC only offers this service to those who they buy the mobile in the same store and they guarantee it for up to 30 days after purchasing your device.

What to do in case of theft of your mobile

No matter where the mobile was purchased, The Phone House, insurers Zurich, Caser, EuropAssistance and online services such as SeguroMóvil.com and TuserguroMóvil.com also offer insurance for devices purchased in other stores as long as the good condition of the phone and its property is accredited.

The price of insurance will always depend on the price of the insured mobile and the coverage included. Between the simpler, usually includes screen breakage and liquid failure as we see in the following comparison:

Blanket

Prices

Restrictions

Accidental damage to Vodafone

Display – Liquids

Repair or replacement of the mobile in 72 hours maximum.

Mobile
Mobile> 400 €: 9 € / month
Deductible between € 30 and € 75.

Up to 3 complaints / year.

Mediamarkt screen protector

screen

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile
Mobile> 901 €: 149 € / month
Excess 10% and maximum 60 €.

Up to 1 loss / year

The Essential Phone House

Display – Liquids

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile
Mobile> 1100 €: 60 € / quarter
Additional deductible not specified.

Unlimited claims

FNAC Protects

Screen – Calls

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile
Mobile
Mobile> 900 €: 134,90 € / an
Without franchise.

Unlimited claims

The English Court

Screen – Liquids – Flight – Calls

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile
Mobile> 650 €: 50 € / quarter
Without franchise.

Unlimited claims. Free in the first trimester, but will not cover accidental damage.

Your basic mobile insurance

screen

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile> 901 €: 7.72 € / month
Without franchise.

Up to 1 loss / year

Your superior mobile insurance

Screen – Flight

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile> 901 €: 11.02 € / month
Without franchise.

Up to 1 loss / year

Assurance mobile standard

Display – Liquids

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile> 1501 €: 13.99 € / month
Without franchise.

Up to 1 loss / year

Zurich Klinc

Screen – Liquids – Vol

Repair or replacement of the mobile.

Price not specified

Up to 3 complaints / year (maximum 1 theft)

Checkout

Screen – Liquids – Vol

Repair or compensation.

Price not specified

Undetermined

EuropAssistance

Screen – Liquids – Vol

Repair or compensation.

From 38 euros

Undetermined

Insurance with greater coverage

Among the most comprehensive insurances, we find those that robbery with violence, as good as flights where the affected person does not notice the abduction.

Blanket

Prices

Restrictions

Vodafone Total Protection

Screen – Liquids – Calls – Theft – Theft

Repair or replacement of the mobile.

Mobile
Mobile> 400 €: 14 € / month
Deductible between € 30 and € 75

Up to 3 complaints / year (maximum 2 thefts)

Movistar

Screen – Liquids – Calls – Theft – Theft

Repair or replacement of the mobile.

Mode 1: € 4.49 / month
Mode 2: 7.49 € / month
Mode 3: € 9.99 / month
Mode 4: € 11.99 / month
Mode 5: € 13.99 / month
Mode 6: € 18.99 / month
Deductible between € 20 and € 100

1 loss for theft, 1 for damage and 1 for fraudulent calls

Orange

Screen – Liquids – Calls – Theft – Theft

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile> € 1,101: € 15.50 / month
Deductible between € 20 and € 120

Up to 2 complaints / year

Yoigo

Screen – Liquids – Calls – Theft – Theft

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Monthly without specifying between 3 and 15 €
Excess between € 10 and € 90

Up to 2 complaints / year

The Phone House Total

Screen – Liquids – Calls – Theft – Theft

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile
Mobile> 1100 €: 60 € / quarter
Deductible not specified

Unlimited claims

FNAC Serenite

Screen – Liquids – Calls – Theft – Theft

Repair or replacement of the mobile.

€ 8.90 / month
Deductible not specified

Unlimited repairs
Maximum 1 replacement / year

Your best mobile insurance

Screen – Liquids – Flight – Flight

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile> 901 €: 12.67 € / month
Without franchise

Up to 1 loss / year

Top Mobile Insurance

Screen – Liquids – Flight – Flight

Repair or replacement of the mobile.

Mobile
Mobile
Mobile
Mobile
Mobile> 1501 €: 19.99 € / month
Without franchise

Up to 1 loss / year

In addition to the specific mobile phone insurance that can be found in some insurers such as Zurich, Caser or Europ Assistance, other insurers They also offer coverage for breakdowns and mobile theft in addition to your home insurance..

Does home insurance cover mobile theft? And the broken screen?

Home Insurance

the Home Insurance, in addition to offering traditional cover such as civil liability, property damage or theft, it is also common for them to offer additional coverage in technological devices. However, there is nothing standardized and it will all depend on what you have already concluded with your insurer.

To get a more or less global idea, let’s review What some of the major insurers say about cell phone theft and breakdown.

  • At MAPFRE, they have a cover for all technological risks which includes repairing or replacing smartphones, tablets, computers and other imaging and sound devices.

  • At Catalana Occidente, they report that “the policies that protect a home often act as theft insurance for the home, whether it occurs inside or outside the home. inside, usually covers both theft, theft and theft, also covering damage caused by forced locks or broken windows. Even if you get robbed while walking down the street, home insurance covers the theft of your cell phone, wallet, keys, jewelry, or whatever else you wear. ”

Home insurance generally covers burglaries inside and outside the home, but not theft or other telephone breakdowns.

  • At Pelayo, they make sure that before any theft, inside or outside the house, the insurance covers this situation. If it is a theft outside the home, it will not be covered. Home insurance does not cover either breaks a mobile, but you can buy extra cover.

  • It will be in Generali where they will also offer additional coverage for mobile phones, accidental damage and fraudulent theft.

  • Reale’s main home insurance also includes the option to supplement it with any accidental risk.