Brightstar Device Protection is a no-contract phone insurance service for $7 per month added to your monthly phone bill for Virgin Mobile subscribers. Depending on your device, deductibles might cost anywhere from $20 to $175. To be eligible for Virgin cell phone insurance, you must first be registered in a monthly plan. Your plan protects you in the event that your phone:
- If your phone has an electrical or mechanical problem and you’re past the warranty period,
You’re also protected for the accessories you got with your phone when you first got it, such your charger. An extra plus is that Virgin Mobile’s insurance plan includes McAfee Mobile Security, which protects you from internet risks (more on this a bit later).
What damage does phone insurance cover?
Cell phone insurance is comparable to a warranty in that it covers electrical and mechanical faults, but that’s where the similarities end. Cell phone insurance also covers you in the event that your phone is stolen, destroyed, or damaged, including liquid damage. Let’s take a look at July 4th, the most risky month for your phone.
How does smartphone insurance work?
Phone makers, cellular carriers, insurance firms, merchants, and other third-party suppliers may sell cellphone insurance or protection plans. The majority of insurance plans operate in a similar manner. In most cases, you’ll:
- Accidental damage (including water damage), battery failure, theft, and loss are all covered under this policy.
- After a covered incident, file a claim. The insurance company may send a technician to repair the phone, refund you for the cost of repair, or send you a replacement.
- For each claim, you’ll have to pay a deductible, which varies depending on your insurance plan, phone, and type of occurrence. Deductibles might range from a few hundred dollars to several thousand dollars.
When weighing your alternatives, it’s crucial to consider how each plan differs. Some policies, for example, exclude loss and theft coverage, and many plans limit the number of claims you can file. In addition, you most likely have your own special insurance requirements. For example, if you frequently drop your phone, you might prefer damage coverage over a plan with comprehensive loss and theft coverage.
Does phone insurance cover cracked screens?
The most comprehensive insurance package from T-Mobile, Protection 360, covers device malfunctions, accidental damage (including cracked screens and water damage), loss, and theft. Additional accessories that came with your phone are only covered if they are lost or stolen in the same accident as your phone.
What is Virgin protect policy?
You’ll be covered anywhere you are in the globe with Virgin Media Protect, so if the worst happens while you’re on vacation, you’ll be covered.
You have the option of starting your claim while you’re away or waiting till you return.
While we won’t be able to ship your new gadget to you while you’re on vacation, we’ll do our best to get it to a UK address the next day. See How to Report a Broken Phone Abroad for more information on how to report a damaged phone while traveling.
Can you put insurance on your phone anytime?
Have you ever wondered what phone insurance is and whether or not you should get it? Or if there’s a difference between cell phone insurance and the manufacturer’s warranty? Is it best to buy phone insurance through your service provider, an insurance company, or the maker of the phone?
I’m not a big fan of games of chance. Here’s a cautionary tale about a time when I misjudged my chances.
My spouse and I purchased smartphones for our family almost five years ago. Four brand-new phones came with a hefty price tag. We decided to forego the extended warranty and phone insurance since we trusted the manufacturer. This is a bad concept. One phone died just a few months after the warranty had expired.
As we discovered the hard way, there are situations when investing in insurance can help you save money in the long run. We should have done our homework before dismissing insurance or an extended warranty, we now know.
The manufacturer’s warranty covers issues such as the phone not working properly. However, it normally does not cover lost, stolen, or physically damaged phones. However, some warranties do cover unintentional damage caused by handling, so double-check yours. This coverage can be extended beyond the first year with an extended warranty.
Smartphone insurance typically covers phones that have been lost, stolen, or damaged. Some, like the one used by AT&T, Asurion, even cover liquid damage. Make sure you read your policy before you need it to learn about the coverage you have.
If you file a claim, keep in mind that you may be required to pay a deductible. If you don’t file a claim for the first 6 or 12 months, your deductible may be reduced.
You’ll have a lot of options if you decide to get insurance within 14 days of purchasing your phone. Manufacturers, mobile service providers, and independent insurance companies are all options.
AT&T, for example, makes it simple to get protection and pay for it over time on your monthly phone payment. Within 30 days of activating your phone, you must purchase insurance.
You can also purchase insurance through the maker of your phone. A significant benefit is that their plans may include technical help through phone, in-store, or online chat.
Purchasing insurance from a non-affiliated provider gives you more options. You can sign up at any moment if your phone is in excellent working order. If you insure other appliances, cars, or your home with the same carrier, you might be able to get a discount. It’s never a bad idea to inquire.
Do you have a policy for your house or renter’s insurance? Check to discover if your smartphone is covered.
Be aware of your chances. Each year, one out of every five people will have their phone lost, damaged, or stolen, according to Asurion. 1
- How soon: Consider whether having a plan with same-day replacement service is more important to you, or whether you can live without your phone for an extended amount of time.
- How long do you have to commit: Determine whether you can cancel your insurance plan at any moment or if you must commit for a set length of time.
- How much: Consider the cost of your monthly premiums in relation to your deductibles. Because you won’t have to file a claim, you can choose a lower premium with a higher deductible if you’re a clever gambler.
As a product of the school of hard knocks, I understand the importance of protecting your smartphone. Insurance can make a smartphone dive into the pool into a little annoyance rather than a significant financial drain.
How much is a phone insurance deductible?
The Phone of AKKO Only plans range from $6 to $12 per month, or $5 to $11 per month if paid in full for the year. The amount of your deductible depends on the make, model, and year of your phone. Deductibles for repairs normally vary from $29 to $75, while replacement deductibles typically range from $75 to $99.
Everything Protected costs $12 to $15 per month, or $120 to $168 if you pay for a year in advance. Deductibles for repairs and replacements normally run from $29 to $75 for repairs and $75 to $99 for replacements, similar to the Phone Only plan. However, if you’re a student, your deductible is only $49.
Though you can’t insure more than one cellphone per plan, bundling multiple policies can save you between 5% and 15%.
How do I file a successful phone insurance claim?
But there’s something else to consider. In some situations, your insurance company will reimburse you for the costs you have incurred. That implies that if your phone is stolen and the criminal calls Australia, your insurer will cover the cost of the call. Most businesses, on the other hand, will only cover the cost if your phone has been reported stolen. If you wait two weeks to report it, you will be charged for the phone bill for the next fourteen days.
When you consider that most insurance companies only cover a portion of your expense (usually around £100), you can see why responding fast is critical. As soon as you realize your phone is missing, call your operator to suspend service, then call the police to report it stolen (don’t dial 999; instead, look out the usual station number in the phone book), and then call your insurer to begin the claim procedure.
How do I make a claim on my insurance phone?
You must immediately contact your cell phone’s network and have your phone blacklisted. Within 24 hours of the theft, you must report it to the nearest police station and acquire a case number, then contact your insurance provider to file a claim.
Does screen damage come under warranty?
You’ve recently purchased a new cell phone. As a responsible phone owner, you want to do everything you can to keep it safe. Manufacturer’s warranties and mobile insurance can help with this.
A manufacturer’s warranty is a commitment from the manufacturer to repair or replace your phone if there are any manufacturing faults within a certain time period. Many manufacturers also provide a ‘extended mobile warranty,’ which allows you to extend the life of your phone. A mobile insurance, on the other hand, provides an additional layer of security for your phone, as it is an All Risk Cover that covers damages resulting from any accident, Act of God Perils, theft, or burglary. Liquid damage and damage caused by mechanical and electrical breakdown can also be covered under the policy.
In essence, a mobile phone warranty protects the equipment solely against faults, whereas mobile phone insurance protects the gadget against any damage caused by an accident or other unforeseen events.
Typically, you get the manufacturer’s warranty when you buy your phone. Some mobile insurances are available at the time of purchase, but you may also purchase them online or through your insurance provider.
Many people mistakenly believe that a mobile warranty and a mobile insurance policy are the same thing. However, these are two distinct types of consumer protection that can cover different things, even if there is some overlap at times.
Warranties normally cover manufacturing flaws and hardware failures, but not damage caused by unanticipated events. Mobile Insurance will cover these expenses.
The warranty only covers manufacturer defects and does not cover unanticipated events such as theft. Mobile insurance may provide coverage for theft.
Your appliance’s warranty normally covers mechanical and electrical failure, but not accidental damage. Purchasing cellphone insurance is always a good idea in the event of such problems.
Screen damage is not covered by a warranty, just as accidental damage is not covered by a warranty. A mobile insurance policy, on the other hand, frequently covers screen damage.
That concludes the discussion. The two essential tools for keeping your phone in tip-top shape.
Now that you have all of the pertinent information, you can decide which option is best for you if you’re having a bad day and your phone is damaged or lost.