Violence in cities has made people invest more and more in cell phone insurance, but is it really worth it?
In today's world, violence and robberies have surprised us more and more, and as smartphones have become increasingly expensive and necessary objects in our daily lives, insurance sales have more than doubled in the last year. The idea is that in risky situations, such as armed robbery and qualified theft (threat or break-in of a house or car), an identical or similar device will be delivered after proof of theft.
And in today's article we're going to help you choose the best insurance for cell phone in your case, follow along!
Tips before purchasing cell phone insurance
Attention to coverage
One of the main factors that influence the price of insurance is the coverage purchased. It is necessary to research the available coverage and purchase the ones that are really necessary. The most popular types of coverage are against theft and accidental damage.
Please read the Compensation rules carefully.
In the case of insurance taken out in retail stores, the refund can be made through the purchase of products from the store (not necessarily a cell phone, by the way). However, you will not have the option to search for prices to buy the model you are interested in where it is cheaper, for example.
If payment is made in cash, insurance companies usually pay the value of the cell phone, which is stated on the device's invoice, minus the deductible and depreciation for the period. calculation depreciation must be clearly stated in the contract.
Insurance companies may also choose to pay a percentage of the price paid for the device. For example, if the cell phone cost R$1,500 when you bought it and the contract states that the company pays R$801,000 of that amount, you will receive compensation of R$1,200.
There are situations that insurance does not cover
In general terms, simple theft occurs when the device is stolen without breaking through obstacles. For example, a user leaves his iPhone on the counter of a store and, without him noticing, someone takes it. This offense is considered simple theft, as there was no use of violence or breaking through obstacles.
“Operators do not usually cover simple theft, as they understand that situations of this type are generated by the client's 'carelessness'”, stated Aline Sartorelli, who is an insurance analyst at the brokerage Harmonia.
Check the Franchise Value
Did you know that cell phone insurance also has a deductible? If your device is damaged, the insured must provide 28% of the value of the cell phone to cover the damages, even in cases of theft or robbery. For example: if you have a cell phone worth R$500 and it was stolen, you will have to pay the deductible of R$90 when requesting reimbursement for the device.
Important
Read a lot before actually taking out your insurance, as there are many pitfalls in this market.
We hope these tips have been useful and that you can take out insurance and have peace of mind when it comes to your cell phone.
Suggestions and questions can be left in the comments.
