The display is junk and needs to be replaced - depending on the cell phone, it can cost around 250 euros. Because you don't necessarily always have it on hand, you can insure your smartphone with monthly amounts. But such cell phone insurance is often more expensive than repairs. And not all damages are always paid for, as our cooperation partner checked4you reports!
You can literally hear the warning undertone and the suspenseful music in the background, even though you're just reading it: "Every three seconds in Germany, a cell phone is damaged, stolen or stolen." And because that's the case (if it's true), various providers have the same have the right insurance ready and also advertise an extended warranty and all-round protection for your cell phone. But often it isn't all that complete.
Compare services
How expensive the insurance is depends on the value of the device. Between three and ten euros per month is usual. The services are different and you should compare them from different providers. Because no one is forced to take out the insurance offered when purchasing a cell phone. Some insurance companies accept devices up to three months after purchase. Others even give you up to two years.
When it comes to the small print, you should pay attention to the following points:
- Value. As a rule, cell phone insurance does not cover the new price if damage occurs. After just one year, a cell phone can only be worth 80 percent or less - depending on the conditions.
- Deductible. You often have to pay between 10 and 20 percent of the purchase price yourself if your cell phone is broken and you claim the insurance.
- Scope of services. Not every insurance company will pay for your cell phone if it is stolen - unless you book this service separately.
But you don't have to if you already have household contents insurance. Because they even pay the new price of the cell phone if it is stolen from your apartment or taken from you on the way. If your phone is actually gone or so broken that it's no longer worth repairing, cell phone insurance rarely offers cash for it. Instead, you can look for a “replacement device of the same type and quality” for which the insurance company will pay the price up to the value of your broken phone, less your deductible. And what about costs that a thief incurs through phone calls or surfing the Internet? They replace some insurance policies, but not always in full. - Exclusions. After a fall you now have the Spider app on the display, but it still works.
Bad luck, the insurance company might say. This is often only seen as a cosmetic defect that does not affect the function of the smartphone and therefore there is no money for the repair. The same applies if you use your cell phone incorrectly or get malicious apps. And if your phone breaks because you just took it out of your pocket in the rain, many insurers will also take a stand. You must have already fallen into the water. If you insure simple theft, you should also read the conditions carefully: For example, some insurers will not pay if your treasure is stolen from a handbag or backpack that is not secured with a lock or if you do not keep your hand on it hold. Even if the cell phone is left unattended somewhere for a short time and then stolen, insurers usually refuse to pay. - Notice period. As with most cell phone contracts, insurance policies also have a minimum term. If you don't want to continue paying after that, you have to cancel in good time. If you report damage to the insurance company before the time expires, you can cancel on your own initiative. It could be that you are dissatisfied with the regulation or that your device is completely broken and you no longer need the policy.
Tip
First think carefully about whether such insurance is actually worth it - and check carefully and ask what services are actually included in an emergency and for how much money! It can often make more sense to simply save a little money and pay for damage yourself.
You might also be interested in: Verdict: Instagram has an obligation to provide information about fake accounts
Source: checked4you
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