5 things Must Know about mobile insurance

 5 things about mobile insurance

 

The purpose of buying insurance is to protect against the things that a manufacturer's warranty does not. While warranty will cover you for mechanical breakdowns and faults, it's of no help if – like so many of us – you accidentally damage your device. Likewise, if you suffer the misfortune of losing your cell phone

1: Replacements are expensive

People with smartphone insurance are sometimes surprised to find that they have to pay a deductible when filing a claim. But, just because you have to pay a deductible when filing a claim doesn’t mean insurance is pointless; with insurance, you’ll still come out way ahead. *The average cost of a non-contract smartphone—that is, one that doesn’t come for some remarkably low price when you sign a multi-year contract—is $545. The average deductible is quite a bit lower, even when factoring in the monthly insurance fees.

2: A good case doesn’t cover everything.

While investing in a protective phone case is a smart call, since it’s all that comes between your smartphone and an unforgiving sidewalk, it doesn’t prevent your smartphone from getting lost, stolen, or suffering irreparable water damage. *Approximately 80 million phones are lost, stolen, or damaged each year, at a rate of 2.5 phones every second! And Asurion, unlike most other companies, covers it all—loss, theft, accidental damage, malfunction, and in some cases, even normal wear-and-tear

3: Filing a claim is very easy.

Contrary to popular belief, filing a mobile insurance claim is not a pain in the neck and you will not be on hold for hours. You can make a claim with Asurion 24 hours a day, seven days a week, online or over the phone. Plus, Asurion sends *96 percent of its replacement phones out for next-business-day delivery. That sure beats making an appointment at your neighborhood cell phone carrier for the privilege of paying full price for a replacement.

4: Outside repairs are risky.

You may not always have the option to get your phone fixed if it breaks. If your phone can be repaired, you have some options, but device repairs often void the manufacturer warranty on your smartphone.  Generally, this does not apply to lost, stolen or waterlogged devices.  Plus, if anything else were to happen to it, the maker is off the hook and you’re stuck with a bill.

5: Peace of mind is grand.

Some believe insurance just isn’t a good value since ‘you probably won’t ever need it.’ It’s true, you may never lose your phone. You may never drop your phone in the toilet or launch it off the roof of a thirteen-story building. Similarly, you may also never get into a car accident, but you still need car insurance. The bottom line is, you’re taking a risk without phone insurance. Asurion offers the protection you need, plus comes with a host of valuable features like virus protection, phone location apps, automatic data backup and live tech support.