When making a phone insurance claim tell your insurer everything truthfully, present all the documents mentioned and any proof mentioned in your phone insurance policy, and try to be as cooperative as possible.
Lost or damaged your phone but can’t figure out how to claim phone insurance?
Well, don’t worry. I have got your back. As a financial advisor I have helped a lot of my clients with insurance and today I am going to help you claim your phone insurance.
So, in this article I am going to explain What to say when claiming phone insurance, How to make a successful mobile phone insurance claim, How soon can you claim phone insurance and all the related queries. So, stay here till the end.
Let’s start by answering what to say when claiming phone insurance.
What To Say When Claiming Phone Insurance?
When making a phone insurance claim you have to stay honest with your insurance company, be cooperative, and present all the proofs and documents mentioned in the policy. So, is it all?
No, the phone insurance claim process might seem easy. However, it’s not as easy as you think.
In the US though you purchase your phone insurance from your network carrier. But they are not insurers. Network carrier companies rely on third-party insurance companies like Asurion, SquareTrade, etc. So, you might need to go the extra mile to claim your phone insurance. So, what to do?
How to Claim Insurance for Phone
Here are some of the things you can say when claiming a phone insurance
- Firstly, call your network carrier or insurer and find out whether your damaged phone falls under insurance cover.
- If it is covered then describe the nature of your phone damage in detail.
- After that tell the reason for your phone damage thoroughly.
- If your phone is lost or stolen then mention whether you have filed a police complaint.
- You might need to provide a mobile phone insurance claim accidental damage letter
- Be very specific about everything and always tell the truth.
If you mention the above things carefully then there is a high chance your claim will be accepted.
Moreover, don’t add any false information or hide anything. Because after claiming your phone will be inspected by an expert technician. So, if you hide anything or add false information, you’ll get caught and your claim might be denied. But What should I say for phone insurance?
Mobile Phone Insurance Claim Accidental Damage Letter Sample
Now let’s have a look at how can you make a successful mobile phone insurance claim.
How To Make A Successful Mobile Phone Insurance Claim
Successfully claiming mobile phone insurance is not an easy task. Because it involves a lot of small details. However, it’s not complicated either.
So, if you are honest and careful then your claim will be accepted in no time. Please follow the below steps to make a successful mobile phone insurance claim
1. Know The Insurance Policy Well
Insurance agreements are boring but they carry a lot of important information. The same goes for mobile phone insurance. So, before claiming mobile phone insurance, please read your insurance policy carefully.
Find out about the insurance coverage, how to file a complaint, deductible amount, documents needed to file the claim, limits, time limit to file the complaint, etc. If you know these things it will be easy for you to claim your mobile phone insurance successfully.
2. Contact Your Insurer Immediately
When your phone gets damaged or stolen, contact your phone insurer as soon as possible. Because many phone insurer has a time limit for claiming. Some even provide only 2 days to report a theft. So, it’s better to contact them immediately.
There are two ways to contact them. You can either fill out an online form or contact them by phone. It’s better to call. Because when you call they will guide you through the process, mention the deductible amount and tell you everything needed to file the claim.
3. Get The Documents Needed
When filing your mobile phone insurance claim you will require a lot of documents like the purchase slip that includes the date, phone model and type, network provider statement with IMEI number, account number, etc.
However, the documents might vary depending on the reason for the claim. So, ask your insurance representative about what you’ll require.
4. File A Police Complaint In Case of Lost or Stolen
If your phone gets stolen or lost then you must show your insurance company a copy of the police complaint. So, in case your phone gets stolen or lost file a police complaint immediately.
5. File The Claim
After everything is ready, file the claim. Nowadays, most insurance companies have an online claim system. If you file online then take a screenshot of the claim and note down the claim number.
Moreover, you can also file a complaint by calling. It’s better to try this and be persistent. It’s important to note down the claim number.
After claiming, your insurer will issue you a statement within one to two business days.
6. Pay The Deductible
To get insurance coverage, you have to pay a deductible depending on the damage. The deductible amount is non-negotiable. So, pay the deductible as per the policy.
If you have bought the phone at a discount then the deductible might come more than the phone price. In that case, avoid the insurance claim. If the deductible is substantially less than the phone price then it’s the best reason to claim mobile phone insurance.
These are some effective ways of making a successful mobile phone insurance claim. If you want to find out about stolen car claims then check out our article on stolen car insurance claims.
Best Reason To Claim Mobile Phone Insurance
Smartphones now are an essential part of our lives. It’s hard to imagine our day-to-day life without them. Moreover, they hold important data of our work. So, you don’t need any best reason to claim phone insurance. Anytime your phone is having an issue you should claim insurance. Here are some of the reasons why claiming mobile insurance is more beneficial
- Stolen: If your insurance covers stolen phones then you must claim it.
- Broken Screens: Broken Screens can cost you a fortune to repair. Most insurance covers it. So, you should claim it.
- Battery: Changing a Shamtphone battery can be quite expensive. So, you better claim insurance.
- Camera: Repairing Smartphone cameras is quite complex and can cost a lot. So, claiming insurance is a good choice.
- Major Damage On Body: Though it’s not as important as others if your phone is working fine. But still, you should claim insurance. Because phones with a damaged body can cause harm and their value also decreases.
Now let’s find out, how soon can you claim on phone insurance?
How Soon Can I Claim On Phone Insurance?
Actually, it depends on your phone insurance company. But some phone insurance does not start 14 days after the purchase. So, if any damage happens within 14 days of the purchase, your phone won’t be covered. Moreover, you must claim your insurance within 7 days of your phone is damaged or lost.
Though different insurance companies have different policies regarding this. But your should claim your insurance as soon as possible. Otherwise, there is a high chance of being rejected.
After claiming your phone insurance, your insurance company will conduct a short investigation to find out if your claim is valid or not. If valid then they will replace or fix your damaged device. This process does not take more than 10-15 days.
Now, it’s time to look at what gets covered in phone insurance.
What Gets Covered In The Phone Insurance?
Your coverage of phone insurance will depend on your insurance plan and your insurance company. Because different companies have different policies regarding this. However, most companies cover
- Phone Accidental Damage
- Lost or Stolen
- Major Parts Failure
- Accessory Coverage
- Battery Replacement
But what kind of accidental damages does phone insurance cover?
The insurance coverage of phone accidental damage reasons
- Water Damage by accidentally dropping into the pool or water.
- Cracked screen by dropping
- Slight Bent by sitting on the device
- Back glass and camera damage by dropping
These are some of the phone accidental damage reasons that get covered by phone insurance. In the case of accidental damages, your phone will be repaired. If that’s not possible then you will get a replacement.
If you want to know about car non-accidental damage insurance claims then check out car non-accidental insurance claim.
What should you not say when making an insurance claim?
Here are some things you should not say when making a phone insurance claim:
- Admit fault: Even if you believe you are partially at fault for the incident, it is best to avoid admitting fault to the insurance company. This could weaken your claim and make it more difficult to get proper service for your phone.
- Give a recorded statement: Don’t give a recorded statement to the insurance company without first speaking to an attorney. Anything you say could be used against you, so it is important to be careful about what you say.
- Speculate about what happened: Don’t speculate about what happened. Stick to the facts and don’t make any assumptions.
- Get angry or emotional: It is understandable to feel angry or emotional when your phone is not working, but it is important to stay calm when speaking to the insurance company. Getting angry or emotional could make you look like you are not credible.
The most common cause of a phone insurance claim being rejected is a lost or stolen claim. But why?
Why My Lost Phone Insurance Claim Got Rejected?
There is a high number of lost phone insurance claim rejected because fake lost phone claim is a common insurance fraud nowadays. According to the Financial times,
“Almost 40 percent of mobile phone insurance claims are fraudulent in UK and it stands for almost £1.3 Billion.”
-The Financial Times
Though there is no exact number but fake lost phone claim is much higher in the US.
There are other reasons too. Like when you file a lost phone insurance claim your insurance company will ask for the phone IMEI. After that, your insurer will run an IMEI insurance check. If the phone IMEI is still not blocked. Then they will assume it’s a fake lost phone claim and won’t cover your damage. So, block your IMEI after you lose your phone.
Moreover, if any of the detail you mention do not match the police report, then they won’t cover it. So, be careful and do not hide any major detail.
Furthermore, incomplete documents and insufficient evidence are also the reason for the lost phone insurance claim being rejected.
Now let’s find out what kind of replacement will you get if the lost claim gets accepted.
Replacement You Will Get If The Lost Phone Claim Gets Accepted
After the investigation is complete and your insurer finds out your reason is valid then they will send you the same model replacement phone. It can be a completely new phone if you are lucky. On the other hand, it can be a refurbished or an old one.
However, keep in mind that your phone model will match but not all the other detail like color, storage, etc. So, you need to compromise.
What To Do When You File A Lost Phone Insurance Claim Then Found The Phone?
Actually, it depends on your insurer. As different insurance companies have different policies regarding this so it will vary.
However, if you find your phone after claiming insurance then inform your insurance company asap. If they don’t provide a replacement then they will simply close your claim file. If not then you might need to return the replacement device.
Moreover, insurance companies keep track of lost phones. So, if you hide it then you can get caught. In that case, you might end up with a hefty fine and a criminal offense.
In Summary
Always be honest with the insurance agents when claiming phone insurance. Because they have an expert team just to find out what happened to your phone.
Moreover, mobile phones nowadays are our valuable possession. So, keeping insurance for them is a good idea. But to protect your interest please read the insurance agreement before purchasing phone insurance. If you have any questions let me know in the comments.
That’s it for today. Have a great day!
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