A broken phone glass may be the least of your problems compared to data loss or the inability to perform tasks. The prices of modern smartphones, which often exceed over PLN 7,000. PLN, also translates into their functionality. Therefore, it may be worth considering phone insurance.
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Phone insurance – what are the options?
For some people, modern phones are not only work tools, but even mobile offices. They are susceptible to damage, and repairing the screen or replacing the device is a significant expense. Phone insurance helps minimize financial risk and provides quick help in the event of a breakdown or theft.
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Phone insurance is an increasingly popular way to protect expensive equipment against damage, flooding or theft. There are several variants available on the market – from extended warranty, through operator policies, to dedicated insurance and protection under a housing policy.
Phone insurance – when it makes sense and what to pay attention to
As Asekuro.pl notes, a smartphone policy protects against damage, theft, loss or unauthorized connections. It also covers damage to accessories, and some insurers reimburse data costs incurred after theft. You can often purchase additional display protection.
In turn, as Rankomat.pl notes, the phone can be insured with an operator (e.g. T-Mobile, Orange, Plus), under an extended warranty, with a dedicated policy (e.g. Warta) or a housing policy.
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The cheapest protection usually covers only the display and costs from PLN 10 per month. Wider variants protect all equipment, also against theft or robbery, but are more expensive. In home insurance policies, a smartphone is one of many insured items, and compensation is paid after a loss.
The standard policy protects against mechanical damage, flooding, and sometimes theft. However, it does not cover normal wear and tear, minor scratches or damage resulting from misuse. Theft without traces of forced entry or loss of a phone is rarely protected.
As calculated by Rankomat.pl, phone insurance prices depend on the value of the equipment, scope of protection and the selected variant. An extended warranty for a PLN 2,000 smartphone costs approximately PLN 500 for 3 years, and for the operator – from PLN 120 to PLN 420 per year. In a home insurance policy, basic protection for all property (including a telephone) is on average PLN 233 per year.
