A standard mobile phone insurance policy may include cover for loss, theft and accidental damage. This means if you have unintentionally cracked your screen,
your insurer will pay for repairs or replacement
. Some insurers will give you an ‘instant’ replacement phone or repair yours if it’s out of action.
Is my phone covered for accidental damage?
Most contents insurance policies will cover your mobile phone when it’s in your home, just like other personal belongings or valuables. You’ll be covered for loss or damage in a fire, storm or flood, and theft too, but only
for the phone itself
, and not any fraudulent calls.
What is covered by accidental damage?
Accidental damage insurance helps
cover the costs of repairing or replacing an item that’s been damaged or destroyed by an accident at home
. It can be added to your contents insurance policy, usually for an additional fee.
Can you claim mobile phone on contents insurance?
If you have our Contents Insurance Policy, there is
cover for damage, theft and accidental damage to your belongings
. This includes your mobile phone and other electronics.
Is accidental damage cover worth having?
Accidental damage cover for both buildings
and contents insurance
can be a useful extra – especially because it’s unlikely to be included as standard with your home insurance policy. If you’re renting then your landlord is responsible for the buildings insurance, but you should still consider protecting your contents.
What is phone accidental damage?
What is accidental damage? Accidental damage is the term that
many insurers use to explain sudden, unforeseen events that result in the damage of your gadget
. This can range from dropping your mobile phone down the toilet, to unexpectedly spilling a glass of water on your laptop – we’ve all been there.
Can I take out phone insurance and claim straight away?
How soon can I claim on phone insurance? … With the more reputable companies,
as soon as your phone is lost, damaged or stolen
, you can make a claim on your phone insurance – no matter how long you’ve had the policy.
Is accidental damage covered by warranty?
An accidental break
down is covered by your extended warranty
as long as it’s due to a covered part failing. If the damage is caused to your vehicle by something other than a covered mechanical breakdown, an extended warranty won’t cover it.
What is classed as accidental damage to TV?
Accidental Damage cover means
the cost of repair to or replacement of your TV following physical damage
as a result of a sudden and unforeseen cause which stops the equipment working will be covered by your TV insurance.
What is buildings accidental loss or damage?
Accidental damage is typically defined as
loss of value or damage caused by an unforeseen
, unintended event and not from a deliberate act.
Does home and contents insurance cover TV damage?
Contents insurance covers the
financial cost
of repairing or replacing your household personal possessions and furnishings, such as curtains, furniture, white goods, stereo, TV, computers and other electrical appliances, clothing, jewellery, sporting equipment and even toys.
How do I claim insurance on a broken phone?
- One must immediately report any loss or damage to the mobile phone to the insurance company offering the coverage either on a toll-free number or any other suggested customer support channels mentioned by the company.
- Customers must also submit the Claim Form as requested by the insurance company.
Are tools covered under contents insurance?
In a nutshell, tools insurance can cover your hand-tools, power-tools and equipment against loss, damage or theft. If you need insurance for tools in your van, a hired plant, machinery, stock or contents you can get cover for these as well,
all wrapped up in the same policy
.
What is Apple accidental damage?
“Accidental Damage” means
physical damage, breakage or failure of Your Covered Equipment due to an unforeseen and unintentional event occurring
either due to handling (e.g., dropping the Covered Equipment or through liquid contact) or due to an external event (e.g., extreme environmental or atmospheric conditions).
What is extended accidental damage cover?
For buildings “Extra Accidental Damage” extends
the “Limited Accidental Damage” cover to over accidental damage to the rest of the building
. For example, putting your foot through the ceiling while in the loft. For contents this extends the limited cover to cover accidental damage to most contents.
How soon after taking out home insurance can you claim?
How soon can you claim on insurance? Once you’ve taken out insurance, you can typically make a claim
any time after the start date on the policy
. It’s worth checking what this is as sometimes the date you paid for the insurance isn’t necessarily the official start date.
