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When is a mobile phone insurance worthwhile?

Prices for smartphones reach new record highs every year. And now 1,000 EUR and more are no longer a rarity for the latest smartphone flagship. Although the prices drop significantly after a short time, but are still mostly in the upper 3-digit range.

If the smartphone is lost, or suffers capital damage, for example due to display breakage, the trouble is great. And the more expensive smartphones have become in recent years, the more the cost of repairs has increased. Thus, depending on the model, a display exchange can sometimes cost as much as EUR 300 or more.

This raises the question of insurance that covers this loss, while at the same time not burdening the already tight monthly budget.

We want to clarify what a mobile phone insurance should cover, and whether the whole is worthwhile.

Is a mobile phone insurance worthwhile?
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When is a mobile phone insurance worthwhile?
With comparison calculator

Prices for smartphones reach new record highs every year. And now 1,000 EUR and more are no longer a rarity for the latest smartphone flagship. Although the prices drop significantly after a short time, but are still mostly in the upper 3-digit range.

If the smartphone is lost, or suffers capital damage, for example due to display breakage, the trouble is great. And the more expensive smartphones have become in recent years, the more the cost of repairs has increased. Thus, depending on the model, a display exchange can sometimes cost as much as EUR 300 or more.

This raises the question of insurance that covers this loss, while at the same time not burdening the already tight monthly budget.

We want to clarify what a mobile phone insurance should cover, and whether the whole is worthwhile.

Is a mobile phone insurance worthwhile?
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1. What damage should be covered

1. What damage should be covered

The best insurance is useless, if a claim actually occurs and the necessary coverage is not included in the policy.

Therefore, a mobile phone insurance should at least cover the following points:

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The above points should at least cover a mobile phone insurance, as this is just the most common cases. If you get more (which is always possible depending on the chosen tariff) then of course the better.

The best insurance is useless, if a claim actually occurs and the necessary coverage is not included in the policy.

Therefore, a mobile phone insurance should at least cover the following points:

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The above points should at least cover a mobile phone insurance, as this is just the most common cases. If you get more (which is always possible depending on the chosen tariff) then of course the better.

2. What should be considered in the insurance conditions?

2. What should be considered in the insurance conditions?

The devil is as in almost all contracts in detail. But this is all the more true for insurance and financial services.

Because the best insurance is useless, if a case of damage actually occurs and the insurer by clauses in the contract from the liability, or the investment in the insurance is not worthwhile.

Therefore, you should pay attention to the following points with a mobile phone insurance:

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The devil is as in almost all contracts in detail. But this is all the more true for insurance and financial services.

Because the best insurance is useless, if a case of damage actually occurs and the insurer by clauses in the contract from the liability, or the investment in the insurance is not worthwhile.

Therefore, you should pay attention to the following points with a mobile phone insurance:

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3. Comparison calculator device insurance

3. Comparison calculator device insurance

Although there are many nonsensical insurance policies, as these cover some of the risks that are already covered by another policy, a mobile phone insurance makes perfect sense if it is a device that has a high value. And as already seen, this applies (at least in the beginning) to just about all top smartphones.

And since a smart phone is always a companion everywhere these days, the risk of breakage – or even theft – increases, of course, causing a major loss to the household budget.

In our comparison calculator you can try different models and find the right tariff:

Although there are many nonsensical insurance policies, as these cover some of the risks that are already covered by another policy, a mobile phone insurance makes perfect sense if it is a device that has a high value. And as already seen, this applies (at least in the beginning) to just about all top smartphones.

And since a smart phone is always a companion everywhere these days, the risk of breakage – or even theft – increases, of course, causing a major loss to the household budget.

In our comparison calculator you can try different models and find the right tariff:

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About the author:

Michael Suhr
Michael SuhrWebdesigner / Economist
After 20 years in logistics management, I have been working as a freelance web designer and office trainer since the beginning of 2015. Incidentally, I give tips and tricks for more digital skills in my blog as time permits.

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About the author:

Michael Suhr
Michael SuhrWebdesigner / Economist
After 20 years in logistics management, I have been working as a freelance web designer and office trainer since the beginning of 2015. Incidentally, I give tips and tricks for more digital skills in my blog as time permits.

Search by category:

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