• moisture damage

Although most devices today are protected against dust and moisture, this case should always be secured with. Because even a hairline crack is enough, and the factory protection is no longer given here.

• breakage

This is of course the classic among the claims. Because if the smartphone slips out of the bag or falls down, then guaranteed on the most unfavorable side, so this would be a more expensive display exchange.

• robbery

For thieves are expensive smartphones, of course, a gnawing. Whether in the dense crowds in the train, at Christmas markets or in the supermarket. The device is faster than you think.

• housebreaking

These usually include not only burglaries in the apartment, but also if the expensive companion is stolen from their own car. Because all too often you leave the smartphone sometimes even in the mobile phone holder in the car when you just go shopping for example.

• Damage due to technical defect

As long as the warranty of the manufacturer applies (as long as you have not acted negligently) </ em> a damage caused for example by a defective battery by this also regulated. However, if this is no longer the case, insurance coverage should apply.

• deductible

Pay attention to the deductible agreed in the contract. Similar to a car part insurance, there are tariffs that provide for different deductibles. Basically, with increasing excess the insurance contribution is indeed cheaper, but depending on what damage occurs in which amount and shot may be backfires if you have to bear the lion’s share of the repair costs.

• Contract terms

As smartphones quickly lose value depending on the model, long-term contracts often make little sense. Many vendors have responded to this issue by offering insurance models that are daily callable. Because with the whole insurance and contracts that one has so running is easily overlooked a deadline, and then you stand there with an insurance extension for a device which hardly has value.

• New or current value

This is also a well-known model of what is similar to car insurance. Here it should be paid attention to whether, for example, in case of loss due to burglary or robbery, the time value or the replacement value is replaced. Since, as already mentioned, prices fall sharply, especially in the first few months, the replacement of the fair value can be a sobering result.

Because the time value is not necessarily the one to which you may see the device at the time of loss somewhere in the trade. But this is determined according to aspects similar to a depreciation object. So that a 3 year old device has only junk value, although it still costs good money in trade.

• Insured claims

We have already roughly mentioned the cases of damage that should definitely be covered, but these are often subdivided by the insurers. Therefore, attention should be paid to the exact specifications.

• exclusions

Each insurance contract usually includes the item with the disclaimer or disclaimer. Often here are things like “negligence” in it. At such points then caution is advised how exactly because here negligence is defined.

Especially in the case of theft (which represents the most expensive case for the insurer) must be looked carefully whether, for example, the forgotten smartphone in the car is already considered negligence. Read insurance conditions is therefore mandatory.