Personal - FAQ's For Cellphone Insurance

Cell phones have become such an integral part of our daily lifestyles & if we leave it at home, we know how disconnected we feel. If your cell phone is stolen, lost, damaged & so forth, insurance will clear away any headache.  If you own a cell phone, you need to be insured.

Cell phone insurance usually covers the following risks associated with your phone:

• Accidental breakage – if your handset is not working accordingly and is outside the warranty period. Some insurance policies might even cover water damage.
• Theft – Phones are transportable and expensive and thus a main objective for thieves. Accidental loss - in the event of you misplacing your cellphone.

Cell Phone Insurance premium is calculated on the individual handsets value, not the person or the area or for what it's used for.

You must contact the network of your cell phone and blacklist your phone immediately.  You need to report the theft to the nearest police station and obtain a case number within 24 hours of the incident, thereafter contact your insurance provider to proceed with a claim.

• ID Number or Policy Number
• Cellphone number
• IMEI number
• Police case number
• Blacklist Reference number

This may vary in different cell phone insurance policies. Some  insurance companies may even guarantee the replacement within just two days.

You must contact your insurance provider to submit the details.  Thereafter an authorised repair centre will be suggested to you and you can take your cell phone in for the necessary repairs. Do not take the cell phone to any store for repairs that has not been suggested to you by the insurance company.