Discover the best companies with insurance plans for your iPhone. See the options.
From the simplest problems to events that can change the course of an entire day, we know that we are all at the mercy of chance. Therefore, in a highly connected age, in which we spend almost all of our time online, it can be difficult to survive without a smartphone, whether for work, study or just for fun. Especially when this cell phone is an iPhone, which has a very high price in Brazil.
This is why there are many different types of mobile phone insurance. Most include protection against theft, robbery and accidental damage. However, before signing a contract to use the service, you should carefully review the conditions offered by the plan, such as the payment terms and the time you can use your smartphone. Check out the best insurance plans, specifically for iPhone.
Insurance and conditions
The prices below take into account Apple's four latest smartphone models, the iPhone 14, 13, 12 and 11 (all with 128GB) and the most complete packages that each company offers. See terms, coverage and prices for each of the cell phone insurance.
BB Insurance
Banco do Brasil does not have specific insurance coverage for smartphones. However, personal property insurance covers not only cell phones, but also other personal items such as tablets, laptops, and cosmetics.
The safeguard in question is Bolsa Protegida, which compensates the customer only if the item is stolen, specifically taken from the insured's purse, backpack or physically close to the owner of the device. The service coverage is nationwide.
The maximum remuneration amount is R$3,000 and is calculated based on the product's depreciation. There are 15 business days for the policy risk analysis and the insurance becomes valid for 24 hours after approval. The monthly cost of this service is R$9.90 without deductible.
Claro insurance
THE international insurance for Claro smartphones covers your device against theft or robbery, accidental damage and oxidation. Only customers of this mobile operator can sign this service contract.
The copayment amount varies from 25% to 40%, depending on the market value of the device, the type of incident and the type of cell phone plan the customer has (prepaid, control or postpaid).
The color of the model is also a crucial point in the value. The simulation seen below shows a new model (less than 30 days old) with 128GB in blue.
iPhone 14: costs R$60 per month. Deductible in case of theft or robbery (40%) R$2,796; Deductible in case of accidents (25%) R$1,748.
iPhone 13: costs R$60 per month. Deductible in case of theft or robbery (40%) R$2,239; Deductible in case of accidents (25%) R$1,399.
iPhone 12: costs R$60 per month. Theft or robbery excess (40%) R$2,239; Excess amount in case of accidents (25%) R$1,399.
iPhone 11: costs R$ 60 per month Excess in case of theft or robbery (40%) 1995 R$; Excess in case of accidents (25%) R$ 1,247.
The insurance company that covers the services provided by Claro is Liberty Seguros.
PicPay
PicPay's most comprehensive plan protects your device against theft, robbery and accidental physical damage (excluding falls). The warranty is nationwide. In other words, it is only valid for accidents in your country.
The grace period is 30 days after signing the service contract, and only customers of the financial services platform can sign up. In addition, the device can only have been used for up to two years.
Unlike other companies, PicPay doesn't change package prices based on the device model. Instead, you set up your coverage and choose how much you pay each month. The available options are:
- Insurance up to R$ 1,000: R$ 9.90 per month
- Insurance up to R$ 2,000: R$ 19.50 per month
- Insurance up to R$ 3,000: R$ 34.90 per month
- Insurance up to R$ 4,000: R$ 49.90 per month
- Insurance up to R$ 5,000: R$ 64.90 per month
The deductible price is 25% of the value of the coverage or the cell phone. If the value of the guarantee is higher than the value of the device, the consumer will receive the value of the phone, minus 25% of the deductible.
In other words, if the phone is worth R$2,800 and the selected insurance is up to R$2,000, there will be a discount in case of theft and the user will receive R$1,500 in their account. Now, if they exceed the value of the device by opting for insurance of up to R$3,000, the value of the cell phone will be considered minus the excess amount and they will receive R$2,100.
