How does cell phone insurance work?

Written by julia fuller
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How does cell phone insurance work?
(Julia Fuller)

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Activation and Monthly Fees

You can activate cell phone insurance through your wireless provider when you purchase a new phone or replace an existing phone with a factory refurbished phone. Your wireless provider adds the monthly fee for the cell phone insurance on to the bill you receive every month automatically once the insurance is activated. The billing does not stop until you call your wireless provider to cancel the insurance policy. Even if your wireless contract expires, as long as you continue to pay your bill each month your cell phone insurance stays active. Fees are £3 to £6 a month for cell phone insurance.

What Insurance Covers

Cell phone insurance providers will provide you will a new or refurbished cell phone if your phone is lost or stolen. They require proof that your phone was lost or stolen in the form of a police report number. Cell phone insurance covers damaged phones. It does not matter if you dropped your phone, stepped on it or submerged it in water, the insurance provider will replace it. If your phone stopped working while covered under the manufacturers warranty due to a malfunction and it has no physical damage, you cannot make an insurance claim. Instead, take your phone to your wireless provider for manufacturer repair or exchange.

How to Make a Claim

Cell phone insurance replaces your existing phone with one of equal or greater value when you have an approved claim. If your phone was lost or stolen, you will need to make a police report and get the report number to make a claim. Claims are made directly through the cell phone insurance provider, not your wireless provider. However, once you have a claim number you can pick up your new phone at your wireless provider or have your new phone mailed to you. If your phone was damaged you will have to return it to the insurance provider. If you choose to pick up your new phone at your wireless provider, you can turn in your damaged phone there. You will also pay your deductible when you pick up the phone, usually between £32 and £65. If you choose to have your new phone mailed to you, the insurance provider will include a return label for returning your old phone. You do not return the chargers or battery, and you pay the fee by credit card before the provider ships the phone.

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