How To Claim ACKO Mobile Insurance?

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The procedure for filing a claim under mobile insurance is straightforward and painless. You must supply the insurance provider with the purchase invoice / bill for your smartphone, as well as its serial number, in order to register a claim. In addition, you must file a FIR (first instance report) for the stolen or lost phone within the first 24 hours. Within 48 hours, you can make a claim, together with the claim intimation documents and the FIR.

Is phone insurance worth it?

Smartphones are high-value commodities these days, and because many of them cost more than £500 outright, most of us can only afford one on a contract.

A phone contract spreads the cost of the phone over two years and includes texts, data, and phone calls in addition to the device. Even if you pay anywhere from £10 to £80 per month for your phone contract, if something goes wrong with it or it breaks beyond repair outside of its warranty, you’ll be responsible for the payments to your network provider for the balance of your contract period – even if you can’t use it. This is where phone coverage comes in handy.

You’ll have to pay an excess contribution in order to file a claim. The amount of excess you pay will be determined by the type of claim you file, and it must be paid in order for your claim to be resolved.

When determining whether or not phone insurance is worth it for you, consider the cost of the premium and the excess payment against the cost of replacing your phone – and the possibility that you will need to do so.

How do I get phone insurance?

It is possible to receive a phone insurance quote online. You’ll be asked to fill out a variety of personal information, including your contact information, and you’ll need to know what phone model you have. If you like the quotation you get, you may apply for a policy right away – and you’ll be well on your way to being fully protected.

How soon can I claim on phone insurance?

You should be aware that certain phone insurance companies’ coverage does not begin for another 14 days. So if something goes wrong with your phone within that time, you’re not insured, and they won’t compensate you. Make certain you read the fine print!

You can make a claim on your phone insurance as soon as your phone is lost, damaged, or stolen with the more reputable firms, regardless of how long you’ve had the policy. To guarantee that the claim is valid, the insurance team will conduct the appropriate checks.

If your phone is stolen, you should inform your local police station as soon as you detect it is gone and write down the incident number. You should also contact your network provider to get your account suspended so that unauthorised usage of your phone is prevented. Then, send this information to your insurance company so that they may begin processing your claim.

What to say when claiming phone insurance

When you call to make an insurance claim, you must communicate honestly with the person on the other end of the line. Say you’re looking to file a claim when you call, and the person on the other end of the line will walk you through the process.

You’ll also need these two items from your network operator if your phone is lost or stolen:

The claims process with so-sure can be completed online using our simple form. This can be completed and submitted at any time; we’ll only need to speak with you again if we require additional papers or information.

What do I do if my insurance claim is rejected?

You have the right to appeal your health insurer’s decision and have it reviewed by a third party if it refuses to pay a claim or terminates your coverage.

You have the right to request that your insurer reconsider its decision. Insurers are required to explain why they refused your claim or terminated your coverage. They must also inform you of your rights to appeal their decisions.

Note: See Can I appeal a Marketplace decision? if you want to challenge a Marketplace decision about eligibility or tax credits.

When can I buy mobile insurance?

15 days ago, I purchased a phone from an internet ecommerce company. Is it possible for me to purchase new phone insurance right now? Definitely! A Digit Mobile Insurance policy can be purchased at any time, regardless of whether the phone is new or old.

What is accidental damage protection?

The support method for physical and fluid damages to under warranty equipment is governed by this risk-underwritten accidental damage protection contract ( “In India, the Covered Device”) must be purchased through its manufacturer’s official sales channels and in its original packaging. This plan does not apply to any products purchased by a consumer after a return from the initial customer, even if they are unboxed.

The support process for covered inherent mechanical and electrical breakdown/ defects to the extent provided by the manufacturer’s warranty for Electrical / Electronic / Mechanical Products for under warranty devices is governed by this risk underwritten extended warranty program “In India, the Covered Device”) must be purchased through its manufacturer’s official sales channels and in its original packaging. This Plan does not apply to any products that are reconditioned or purchased by a consumer after a return from the first customer, even if they are still in their original packaging.

  • Coverage begins when you (the Beneficiary, who is the User of the Covered Device) purchase the Plan and ends after twelve months have passed from the date of purchase.
  • This Plan is only available for purchase within 15 calendar days of the Device’s initial purchase.
  • The Plan’s accidental damage protection coverage is in addition to the manufacturer’s hardware warranty coverage for the first 365 days after purchase of the original device.
  • During the plan’s term, only one claim per Covered Device is permitted. All subsequent claim requests will be evaluated solely for compensated repair.
  • Coverage begins the day after the Manufacturer’s Warranty for the Covered Device expires and ends after one year has passed.
  • During the plan’s term, only two claims per Covered Device are allowed. All subsequent claim requests will be evaluated solely for compensated repair.

The Beneficiary is the purchaser of the Covered Device whose name appears on the original invoice. The purchaser’s spouse, children, parents, and siblings, as well as the recipient of the Covered Device as a gift, can be users of the Covered Device if the conditions outlined in the terms and conditions are met. Beneficiary shall mean any representative/employee of the company authorized to use the Covered Device if the purchaser is a firm.

The Maximum Covered Worth is equal to the depreciated value of the Covered Device at the time a Claim is submitted for Accidental Damage Protection under this Plan. One repair instance of your Covered Device is the claim limit. If the repair costs exceed the Covered Value, the Beneficiary has the option of paying the difference in price for the repair as decided by the Authorised Service Centre ( “ASC”) of Servify or receive the Covered Value as the entire claim settlement under this plan. In the event of repair OR settlement of a claim during any claim event, the Beneficiary must pay a Claim Processing fee of Rs. 3000. If the Beneficiary chooses reimbursement, the applicable depreciated amount, less the claim processing charges of Rs. 3000/-, will be returned to the beneficiary in the form of a voucher that can be redeemed at any Ample store, as settlement, subject to the beneficiary returning the original device, including all original accessories and box, to Servify. If Servify does not get the accessories and the original box, a deduction of Rs. 2000/- will be made from the final settlement amount (including Rs. 3,000 of the Claim Processing Fee)

The invoice value of the Covered Device is equal to the Maximum Covered Value (as indicated in the original invoice at the time of purchase of the Device). Your Covered Device has a claim limit of two repair instances. If the repair costs exceed the Covered Value, the Beneficiary has the option of paying the difference in price for the repair as decided by the Authorised Service Centre ( “ASC”) of Servify or receive the Covered Value as the entire claim settlement under this plan. In the event of repair OR settlement of a claim during any claim event, the Beneficiary must pay a Claim Processing fee of Rs. 1000.

Servify or its approved channels receive the Covered Device in its entirety during the Claim Process, and the beneficiary has completed all required documentation under the Plan and acquired the Covered Device from legitimate sales channels in India.

  • Accidentally sustains physical harm and/or sustains sufficient damage that the Covered Device ceases to function normally.
  • The Covered Device fails to work because fluid has accidently infiltrated its internal circuitry, causing it to stop working.
  • The Plan provides coverage for Extended Warranty, which begins on the following business day after the manufacturer’s original warranty expires and continues for a duration of one year from the date of purchase of the Plan.
  • For Electrical / Electronic / Mechanical Products manufactured in India or legally imported in India and sold through Official Channels and supported by an invoice and Manufacturer’s Warranty/Guarantee, the Plan provides coverage for cost of parts and labor in respect of the Covered Device for inherent mechanical and electrical breakdown/defects to the extent provided by the manufacturer’s warranty.
  • Loss or damage to the Covered Device that is not reported to Servify within 48 hours of the loss or damage
  • Any loss or damage incurred as a result of renting or lending the Covered Equipment to a third party.
  • Terrorist action, war, nuclear explosions, radioactive contamination, chemical, biochemical, biological, electromagnetic, and cyber attacks are all examples of unlawful acts.
  • Any type of consequential loss, including wear and tear, manufacturing faults, etc.
  • Faulty storage, inadequate care and maintenance, negligent use, extreme neglect, incorrect installation, and incorrect set-up cause loss or harm.
  • Any loss affecting the SIM card and any associated items, even if the equipment stops working completely.
  • Damage caused by (a) a product/accessory that is not the Covered Equipment, (b) operating the Covered Equipment outside of the permitted or intended uses described by the original manufacturer of the device, (c) service (including upgrades and expansions) performed by anyone who is not an Authorized Service Centre (ASC) of the original manufacturer of the device, or (d) any failure/damage caused outside the Indian territory
  • Without the explicit approval of the original manufacturer of the device, covered equipment with a serial number that has been altered, defaced, or erased, or that has been modified to alter its functioning or capacity
  • Scratches, dents, and broken plastic on ports are examples of cosmetic damage to the Covered Equipment.
  • Defects caused by regular wear and tear or otherwise owing to the product’s normal aging
  • Issues that could be remedied by upgrading to the most recent version of software
  • Third-party products, including their effects on or interactions with the Covered Equipment or software.
  • Your usage of a computer or operating system that is unrelated to consumer software, or challenges with connectivity with the Covered Equipment.
  • Any software or data stored or recorded on the Covered Equipment is damaged or lost.
  • This Plan does not cover the recovery or reinstallation of software programs or user data.
  • Any loss or damage to accessories and panels, even if they are included in the standard box, or any complimentary or supplementary product/s provided as part of a promotional scheme.
  • Costs covered by a manufacturer’s, supplier’s, or repairer’s guarantee or warranty, either implicitly or expressly. Other than problems or faults covered by the original manufacturer’s warranty/guarantee
  • Replacement of consumable items or accessories included in a Product for which a Service Contract was acquired, such as plugs, batteries, light bulbs, light covers, software, and add-on options. Internal or external batteries for the product
  • Damage caused by a power loss, surges or dips in electricity, changing voltage, or insufficient or inappropriate voltage or current. Problems with reception or transmission as a result of external factors
  • The IMEI/Serial number of a damaged gadget cannot be determined. Please keep in mind that the IMEI listed on the SIM tray will not be used to identify the device’s IMEI.
  • Any covered device for which the Plan has not been activated in accordance with these requirements
  • Costs covered under any manufacturer’s, supplier’s, or repairer’s guarantee or warranty, either implicitly or expressly
  • Non-operational and cosmetic flaws in the Covered Device, such as painting flaws, Product finish flaws, dents, and scuffs
  • Unless covered by a separate warranty policy, accessories used in or with the Covered Device.
  • Normal wear and tear of elements not essential to the Covered Device’s operation
  • Under no circumstances will coverage extend to any loss or injury to a person, or any loss or defect to property, or any incidental, contingent, special, or any direct or indirect loss or defect, including but not limited to losses incurred as a result of any delay in rendering service related to this Plan, or loss of use while the Product is at an authorized service center and/or while waiting for parts.
  • Abuse, misuse, sand, dust, water, negligence, fire, flood, lightning, malicious defect, impact, corrosion, battery leakage, acts of God, animal or insect infestation, or intrusion caused by unauthorized repair, theft, burglary, or accident, including earthquake, storm, and or hurricane, abuse, misuse, sand, dust, water, negligence, fire, flood, lightning, malicious defect, impact, corrosion, battery leakage, acts of God, animal or insect infestation, or intrusion
  • A defect caused by a power loss, surges or dips in power, changing voltage, insufficient or inappropriate voltage or current
  • Problems or flaws that are not covered by the manufacturer’s original warranty or guarantee.
  • Costs incurred as a result of being unable to use the Covered Device or as a result of a defect caused by the Covered Device’s failure.
  • Use of non-manufacturer-approved batteries, chargers, and/or accessories, as well as inappropriate electrical leads or connections
  • Any incidental or consequential flaws resulting from the use or lack of use of the Covered Device
  • This Plan will not cover the Covered Device if it is relocated outside of the nation where it was purchased.
  • The Covered Device is not being used in accordance with the manufacturer’s specifications for Covered Device usage, including but not limited to regular maintenance and upkeep.

Servify is not responsible for any loss or damage to the Covered Device resulting from or caused by the following:

  • Any loss or damage caused by any experiments or testing, as well as any alterations caused by any abnormal conditions of the Covered Device.
  • Unless the loss is accidental and not covered by the manufacturer’s warranty, loss or damage due to mechanical or electrical breakdown or derangement.
  • Penalties for lateness or detention, or in connection with performance or efficiency guarantees
  • Loss caused by the Covered Device progressively developing flaws, defects, cracks, or partial fractures in any portion without forcing immediate halt, however repair or replacement of the damaged parts may be required at some point in the future.
  • Loss arising from deterioration, wear away, or wear out of any element of the Covered Device as a result of or naturally ensuing from its usual use or exposure.
  • If the user is discovered to be involved in any fraudulent or unlawful behavior relating to this Plan or Covered Equipment in any way,
  • After 15 calendar days from the date of purchase of the Original Equipment, the Plan is purchased for the Covered Equipment.
  • Due to the Beneficiary’s failure to provide any of the claim processing and claim payment papers required by Servify or the risk underwriter for the eligible claim to be processed,
  • If you’ve previously filed a claim for harm, you can ask for reimbursement. In any action, suit, or other proceeding in which the risk underwriter or Servify alleges that any loss, destruction, damage, or liability is not covered by this Plan due to the provisions of the exceptions or exclusions above, the Beneficiary bears the burden of proving that such loss, destruction, damage, or liability is covered.

In the case that the Covered Device is damaged, you (Beneficiary) must perform the following:

  • The event must be reported to Servify along with the source or reason for the damage and a service quote for the damage.
  • Do not have the damaged insured equipment fixed unless Servify has been notified and approved to do so.
  • Documents necessary during the claim: (1) an electronic claim form duly filled out with all the details of the damage, (2) ID proof, if the insurer requires it, (3) a copy of the policy, (4) a copy of the policy, (5) a copy of the policy, (6) a copy of the policy, (7) a copy of the policy, (3) Purchase invoice, if the Insurer requests it
  • Within seven (7) calendar days of raising the Repair Request, or within the timescales specified in the App or communicated to You by Servify, submit all Repair Request-related documents.
  • Please note that you will not give over the Covered Device to any service center for repairs unless Servify confirms it. It is expressly stated that Servify will not be held liable for any such Repair Requests where the Covered Device is handed over to a service center by You prior to Servify’s approval; any liabilities arising from such Repair Request prior to Servify’s in-principle approval of the Repair Request will be handled solely by You at Your own expense.
  • For serviceable locations, Servify delivers services through the Pick/Drop Support (“PUDO”) Service; for the remainder, you can visit the nearest Servify Authorized Service Centre. You must wait until Servify confirms the status of the claim in writing through email or a voice call to your registered phone number, or gives an update on the App or its Consumer Web Portal regarding the claim’s status and expected next steps. You will be alerted via the App and the Servify Consumer Web Portal as soon as the service (either repair or replacement) is completed. Within the following working day of completion of the repair or replacement, the repaired or replacement will be delivered to the address of first pickup.
  • Servify or Ample reserve the right to change the manner by which they may deliver repair or replacement service to you, as well as the eligibility of your Covered Equipment to receive a certain mode of service under this Plan. Depending on where you reside, service choices, parts availability, and response times may differ.

To be eligible for assistance or support under the Plan, you must agree to the following:

  • If asked again, provide a copy of your Covered Equipment’s original proof of purchase.
  • If requested, provide an original copy of the Job Sheet received from an authorized service center of the original manufacturer or a Servify authorised service center when the equipment is replaced or refurbished.
  • Give details about the reasons for the damage to the Covered Equipment and the causes of the damage.
  • Respond to requests for information, such as the Covered Equipment serial number, model, operating system and software version installed, any peripherals devices connected or installed on the Covered Equipment, any error messages displayed, actions taken before the Covered Equipment was damaged, and steps taken to avoid the damage.
  • Observe the directions. Servify provides you with services such as abstaining from sending Covered Equipment that is not covered by the Plan’s damage protection and packing Covered Equipment in accordance with shipping instructions.
  • Make a backup of any software or data on the Covered Equipment. WHILE THE DAMAGE PROTECTION SERVICE IS BEING COMPLETED SERVIFY OR THE ASP MAY REFORMAT THE STORAGE MEDIA AND DELETE THE CONTENTS OF THE COVERED EQUIPMENT IF NECESSARY. After the servicing event, Servify or ASPs will return your Covered Equipment or offer a replacement unit in the same configuration as the Covered Equipment was initially configured, subject to relevant upgrades. As part of the hardware servicing, Servify or the ASPs may apply the most recent software updates to prevent the Covered Equipment from reverting to an earlier version of the Operating System. As a result of the Operating System upgrade, third-party programs installed on the Covered Equipment may no longer be compatible or operate with the Covered Equipment. All other software programs, data, and passwords must be reinstalled by you.
  • To submit a legitimate Claim, complete and submit the Claim Forms and Declaration Forms as directed.