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Cell phones are among the items, they are the most targeted by thieves in robberies and thefts across the country, and therefore, cell phone insurance is increasingly important.
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When buying a latest generation smartphone, many people are afraid of losing them in this situation, and with an eye on this, the stores or telephone operators themselves now offer cell phone insurance.
But is it really worth having cell phone insurance? If you're thinking of getting one for your smartphone, here you'll find everything you need to know.
How does cell phone insurance work?
As with other items, cell phone insurance is insured based on the value of the device. The average deductible is 25% of the smartphone's value and is only charged in case of theft or theft.
In addition, you will have to pay a monthly fee that varies according to the price of your phone. When signing a contract with an insurance company or mobile operator, you will have several coverage options and their respective requirements. And what to do if the device is stolen?
Initially, you should speak to your operator immediately and ask them to block the line before calling your insurance company. This way, you can prevent personal information and important files stored on your device from falling into the wrong hands.
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You can also lock your device to prevent others from using it. The next step is to go to the police station and file a police report (in some cases this process can already be done online). Only with the BO ready, you should contact the insurer.
Companies usually also require other documents such as an identity card, proof of address and cell phone bill so that you can use the insurance. Some packages offer cash compensation that can be used to purchase new equipment.
In other cases, the insurer itself may send the user another smartphone. Deadlines for meeting requirements also vary by company and program.
Is it worth taking out cell phone insurance?
To arrive at this answer, it is necessary to analyze some factors that, if they lead you to the conclusion that it is worth hiring this service, will also help you to choose the cell phone insurance that really meets your needs.
- insurance price
In general, the amount paid for insurance is inversely proportional to the price of the equipment shown on the purchase invoice. That said, the more expensive the phone, the more rewarding the investment will be, since the cost of the service will be lower in relation to the value of the smartphone.
- Roof
This is a very important evaluation point when looking for cell phone insurance. You need to know exactly what your cell phone insurance covers so you don't get caught out if something unexpected happens in the future. For example, some contracts do not include coverage in case of theft, where the phone disappears from your bag without the thief approaching it.
- Franchise
The deductible is the percentage that the company will pay when the user triggers the insurance. It should be noted that the compensation does not correspond to the total value of the equipment, as a part is the responsibility of the customer. Generally, insurers enter 75% of the phone's price on the invoice. This is mainly because phones depreciate in value with age.
- Grace Period of the Contract
Also understand the duration and geographic scope of the contract, as well as the renewal terms. The tip is to always read the documents very carefully before deciding to hire cell phone insurance. It is also useful to research plan options from different companies (compare prices and warranty conditions) and always seek information about the history and reputation of the insurer in the market.
What should be noted when signing a contract?
When hiring cell phone insurance, you must create a financial plan that analyzes whether the installments will offset your budget. Analyze the price of insurance, coverage offered, deductibles and indemnities, contractual grace periods and deadlines for meeting requirements. Also check the loyalty period of the contract.
A good tip is to calculate whether the total insurance coverage is close to that of a new cell phone. If it's smaller, the extra protection is worth it. If you're looking to change phones frequently, check to see if your contract stipulates a minimum stay or loyalty.
It is important to pay attention to this detail to avoid frustration and even possible fines. Therefore, carefully read the terms of the contract and analyze the plans offered by the operator, taking into account that each plan has its own peculiarities. Notably, other electronics and even bicycles can also be insured.
read more: Applications to clean your phone and make it faster
