Quickly it happened: You run to the train and already your smartphone falls from the pocket, it is stolen in a human race or you let it lie in the university by accident. In this way, tales of people whose smartphone is damaged or even completely removed sound similar. The good piece was so expensive and just a month old. The idea of a smartphone insurance is fast. But is the conclusion of such insurance worthwhile? We have thrown a closer look at the arguments for and against the insurance company.
Smartphone insurance is very useful at first sight. Many insurance companies use it to replace the smartphone, if it is stolen or breaks by no fault of its own. A device with the so-called “Spider-App” really does not really want to carry around with it. So quickly call the insurance company and ask for a replacement device until the old smartphone is repaired. Also a complete replacement for theft costs you according to the advertising of the insurance only a short call. And all this for only a few euros a month. This is what the process looks like.
Smartphone Insurance: The Agony Of Choice
If you are looking for a smartphone insurance, you will find the network very quickly at Whereversmartphone. The list of insurance companies that offer the supposedly most advantageous package for this purpose is endless. Even some mobile phone providers offer you a suitable insurance when you buy a smartphone. In addition, the spectrum of insurance ranges from small online providers to large insurers for all sectors. With this offer you lose the overview quickly. So we just try a tariff calculator.
The Tariff Calculator: A Mogelpackung?
Basically, a tariff calculator is a very nice thing, because according to own statements he finds the most favorable insurance with the best services for you. But behind the tariff calculator is usually a company, which in many cases only includes the insurances in the comparison, which also pay the best commissions per degree. So here you will find only a small selection. Nevertheless, a comparison can never hurt. At least the computer helps you to sort out the very expensive and low-performing candidates directly.
Insurance Or Warranty?
Failures of the hardware or production errors are, of course, not covered by insurance. This is usually the responsibility of the manufacturer. If, for example, the smartphone camera give up the spirit, you can simply contact the manufacturer or your provider with the purchase slip.
But if you look more closely at the general terms and conditions of the insurance companies and read through them in detail, you will quickly see that the most favorable is not the best insurance.So, if you are considering making a smartphone insurance, you should be aware of the type of utility you are using and whether the really good monthly contributions are really worthwhile. Pay close attention to performance and, above all, to various exclusion criteria. In most cases it is mainly the damage that happens in everyday life and so often occur that they are not covered by insurance companies.
1. Even The Insured Person Is Your Responsibility
Insurance will only take place if your smartphone is damaged or stolen, for example, by a fall. But at this point absolute caution applies. For many smartphone insurance companies here create tricky clauses in their contracts and restrict their services by different conditions so much that often in a few cases actually a payment is made. Negligence is the keyword to which you should pay attention.In the insurance contract, depending on the supplier, only the devices are protected for which you have an indestructible cover and which you have attached to your belt with a thick chain. But enough of the exaggeration.
2. The Matter With The Other Insurance Companies
If you have a household insurance and the smartphone is stolen at a burglary, the smartphone insurance usually refuses to provide a performance because it is not responsible for it. So here goes for you the race.
3. Cover-Up Sum
Then, at the end of the insurance, you should pay attention to the amount of money covered by your smartphone insurance. If the value of the device is, for example, more than 800 euros, you must already have recourse to the more expensive package. A small tip: In our protection click mobile phone insurance you choose the model and the price frame to get the appropriate package.
4. Insured With Asterisks
The nightclub is a favorite as well as annoying detail you should be aware of. For example, if the smartphone is stolen or damaged between 10 pm and 6 am, some insurance companies refuse payment. The same also applies to the stay abroad, which is equally excluded from the insurance coverage, at least for a period lasting more than 30 days.
5. Weather Damages
Anyone who uses his smartphone in the heavy rain and thereby damages it, must also here usually in their own purse to repair it or replace it.
Although many insurers are seeking to insure absolutely every case and every little detail, but in which damages and circumstances no payment takes place, is only in the AGB. Read them carefully and pay attention to exclusion criteria.
Insurance Yes Or No? The Price Decides.
Let us take two rather contradictory examples. Imagine you have an iPhone 6s Plus with 128 gigabytes of internal memory. With most providers you have to spend for this device without contract more than 1,000 euros. As a smartphone for an emergency, you can get a beginner’s smartphone for about 300 euros. Is insurance for both devices worth it?
If your smartphone is stolen for example after 12 months, the insurance will not refund the original price you paid, but usually the price for an equivalent device. This means you will not get a new smartphone, but a used model.
In the case of the entry-level smartphone, this means, after nine months, a usable value of perhaps 70 euros. But keep in mind that you have paid 300 euros for this, plus insurance. With about 5 euros a month, that is, 60 euros a year, plus a self-participation of 40 euros you have already paid together 100 euros and get the value for the used model, minus your self-participation, so 30 euros.
Insurance contributions -60 euros
Self-participation -40 euros
Insurance performance +30 Euro
Let’s come to the expensive iPhone 6s Plus. Because of the high purchase price, you pay a little more every month, usually around 8 euros. That makes 96 euros a year. Used in 12 months certainly you would have to pay 500 euros for it. The self-participation is here at 60 euros. If you can handle all exclusion criteria in this case, you will get 440 Euros from the insurance company. Less of your contributions so far, it is still still 344 euros.
Iphone 6s Plus Summarized:
Insurance contributions -96 euros
Self-participation -60 euros
Insurance performance +440 euros
The above-mentioned cases are example calculations in order to illustrate the proportionality.Accurate monthly contributions and reimbursement sums are with the respective insurer.
Check Your Smartphone Insurance
If you decide for the conclusion of a smartphone insurance, explain the benefits. It is best to sit down at home and study the terms and conditions.
Reading the terms and conditions and exclusion criteria is too much work for you and a waste of your lifetime? We understand that very well. In this case, you can simply put 10 euros into the drawer each month. You are then the best insurer. If you also take good care of your smartphone and invest some money in a good protective cover, you should at least exclude some risks for you.
Smartphone insurance is worthwhile in cases where you spent a lot of money on your smartphone.For lower-priced smartphones, say below 500 euros of new price, you should consider the conclusion of an insurance policy thoroughly. Not every smartphone has as little value loss as an iPhone. Therefore, in many cases you end up paying for it unnecessarily.
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