In summary
| Section | Details |
|---|---|
| 📱 Introduction | Smartphones and other mobile devices are essential in our daily lives. Subscribing to phone insurance protects your investment against various risks. |
| 🛡️ Why Subscribe | Protects against damage or loss of costly and fragile devices. Avoids high costs associated with screen repairs or replacement after theft. |
| 📑 What Does Insurance Cover? | Basic guarantees including theft by break-in or assault, accidental damage, and fraudulent use. Optional guarantees cover snatch theft, oxidation, breakdown, total breakage, screen damage, and smartphone loss. |
| ⚠️ Guarantee Exclusions | Includes loss due to negligence, out-of-warranty breakdown, scratches, non-violent theft, external electrical accidents, and damages after non-covered repairs. |
| 💰 Indemnities | The compensation depends on the value of the phone, up to 400 euros per claim. Be aware of the very short declaration deadlines. |
| 💸 Deductibles | The amounts of deductibles vary, approximately 25 to 30 euros per claim. |
| 🏬 Where to Subscribe? | Options include telecom operators (Orange, SFR, etc.), insurers and banks, and distributors like Carrefour. Your home insurance may also cover certain risks. |
| 🔍 How to Choose the Best Insurance? | Look at the coverage ceiling, waiting periods, number of claims per year, specific guarantees, exclusions, deductibles, and the price. |
| 🏆 Conclusion | Mobile insurance is crucial to protect your devices against everyday risks. Compare offers to find the best coverage. |
Smartphones, tablets, and other mobile devices have become essential elements of our daily lives. Subscribing to phone insurance allows you to safeguard your investment against various risks. Discover everything you need to know to choose the best mobile insurance for you and your family.
Why Subscribe to Phone Insurance?
Modern smartphones are expensive and fragile devices, prone to damage or loss. Having phone insurance allows you to protect your investment against various risks.
Avoid Breakage
Increasingly fragile, mobile phones cannot withstand drops. With phone insurance, you no longer need to worry about repairs.
Don’t Worry About Phone Theft
In France, a smartphone is stolen every 4 minutes! Pickpockets are prolific and always on the lookout — phone insurance allows you to receive a new phone at a moment’s notice.
Sidestep Unexpected Expenses
Knowing that repairing a screen costs between 100€ and 400€, depending on the model, it’s best to insure yourself. Lovys phone insurance covers repairs.
What Does Phone Insurance Cover?
Basic Guarantees
Generally, several basic guarantees are included in a standard insurance contract. Among the main protection measures, you can benefit from the following covers:
- Theft by break-in or assault
- Accidental breakage or broken screen
- Fraudulent use, covering costs related to abusive communications
Optional Guarantees
Additional guarantees can be added to your contract to strengthen your coverage:
- Snatch theft, pickpocketing, or clandestine entry
- Oxidation, caused by water or humidity
- Device breakdown, although rarely covered
- Total or partial breakage, including repair or replacement of the mobile
- Screen damage, even if the device still functions
- Loss of the smartphone, although rarely covered
Insuring Your Phone: Beware of Guarantee Exclusions
Common Exclusions
Certain exclusions frequently appear in mobile insurance contracts:
- Loss, generally considered negligence
- Breakdown, rarely covered after the manufacturer’s warranty
- Scratches and chipping, not covered
- Non-violent theft, excluded from basic theft coverage
- Electrical accidents, not covered if external
- Subsequent damages to a repair, not indemnified
Smartphone Insurance: What Compensation?
Amount of Compensation
Compensation will depend on the value of your phone and will vary depending on the insurer. On average, compensation may reach up to 400 euros per claim.
Claim Declaration Deadlines
Pay attention to the deadlines for declaring your claim! They are often very short, up to 48 hours for theft and 5 days for damages.
And What About Deductibles?
The amounts of deductibles for phone insurance vary by insurer. On average, expect a deductible of about 25 to 30 euros per claim.
Where to Subscribe to Cover All Mobile Devices?
With a Telecom Operator
Telecom providers like Orange, SFR, Bouygues Telecom, and Free offer mobile insurance, but they generally cover only the phone associated with the subscribed plan.
With Insurers, Banks, and Distributors
Specialized insurance companies, banks, and department stores like Carrefour and Darty offer coverage for all portable devices in the family without limit on the number of devices, with a single contract for the household.
Don’t Forget Home Insurance
Your home insurance can also cover your phone against certain risks. Check if your policy includes a coverage for stolen or broken phones, whether inside your home or outside.
How to Subscribe to the Best Mobile Insurance?
Factors to Consider When Choosing Affordable Mobile Insurance
To find the best mobile insurance suited to your needs, consider:
- Coverage ceiling
- Waiting periods
- Maximum number of claims per year
- Specific guarantee such as new-for-old value
- Exclusions
- Deductibles
- Price
Conclusion
Mobile insurance has become an essential protection for all mobile owners. Whether to prevent theft, accidental damage, or fraudulent use, it offers unparalleled peace of mind. Assess your needs, compare offers, and understand your contract conditions to choose the best coverage for your valuable device. Don’t let an accident or theft ruin your investment — subscribe today!
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