The best websites to insure your mobile from theft and damage

Have you spent a lot of money on a new mobile and are you afraid that something will happen to it? If you have bought a high-end phone or are in it and you do not have insurance, perhaps you should consider getting one. If you make a contract, think that during the 2 years that the financing lasts, it could fall and break, present some type of important problem, or that, unfortunately, someone steals it. Likewise, if you buy it free without payment in installments. Mobile insurance covers precisely all these things.

As a general rule, a policy of this type can cover us in the event of accidental falls, screen breakage, liquid spills, theft, or improper use of our terminal (such as calls to payment numbers). However, many insurances do not cover what is necessary. It is always best to read the fine print so as not to find yourself with a mere copy of the device's warranty. That is why we recommend some of the best websites to take out good insurance for your mobile.

Insurance with operators

Whether you buy a free phone with operators or make a contract, you have the possibility of taking out insurance to protect it from all kinds of damages. Each operator has its peculiarities. Let's see the conditions that Movistar, Vodafone and Orange put.

Insurance with Movistar

This operator offers its clients insurance from 2 euros per month. It can be done within 15 calendar days after purchasing the device or after picking it up repaired at the technical service. Movistar mobile insurance offers the same coverage regardless of the model you insure. What varies is the price of the premiums you pay every month. Depending on the value of the insured mobile, the operator establishes 5 levels of premiums with taxes included. In the event of a claim and once accepted by the insurer, keep in mind that you will have to pay a small excess established in the policy.

Movistar's mobile insurance covers three claims a year: one for theft, another for damages and another for fraudulent calls. You will pay it monthly on your mobile bill in 12 installments. Likewise, in the event that you cancel your Movistar mobile line from the contract, it will be necessary for you to pay all the pending monthly payments until the end of the year. The service would automatically cease to be valid.

In the event of accidental damage, and provided that the insurer accepts the claim, a courier will go to the address you indicate to pick up the damaged device. They will deliver it to you repaired, but if it is not possible they will send you a replacement with the same or similar characteristics to the insured mobile. Ultimately, Movistar would compensate you with the value of the repair.

Insurance with Vodafone

Vodafone allows you to calculate the insurance on its website based on the mobile model and the type of protection you want. If it's just for accidental damage or you want full protection. The first includes the following features.

• Accidental damage
• Screen break
• Liquid damage
• International coverage
• Repair of the damaged mobile or tablet

Logically the total protection is much more complete and includes:

• Stole
• Pickpockets
• Fraudulent use of calls up to € 500
• Accidental damage
• Screen break
• Liquid damage
• International coverage
• Replacing the mobile or tablet with a new one

It should be noted that the client will have to deliver an amount as a franchise in the event of a claim. This will depend on the type of equipment insured, according to the price table that we detail below

• Standard: 25 euros
• Advanced: 40 euros
• Premium: 50 euros
• Top: 75 euros

Vodafone mobile insurance is only available to the operator's clients, whether they are private and corporate clients. To give you an idea, we have calculated what it can cost to insure one of the most current mobiles of the moment, the Samsung Galaxy S9 +. With full protection it would have a price of 15 euros per month. Only for accidental damage would have to pay 11 euros monthly. With a somewhat cheaper model, for example a Samsung Galaxy A3 2017, the full insurance would be worth 8 euros per month and only 5 euros per month for damage.

Finally, Vodafone mobile insurance can only be purchased at company points of sale. Either during the purchase of a new terminal, or during the first month of purchase as long as it is in perfect condition.

Safe with Orange

The price of mobile insurance with Orange ranges between 3 or 14 euros per month depending on the model. This service is only offered to contract customers, and covers any loss that has occurred due to accidental damage. For example, liquid damage, theft or theft, as well as fraudulent calls or purchases made with the insured device. Orange allows you to make the insurance the first 15 days from the purchase. Of course, you will have to commit a minimum of six months. In case of cancellation, the operator will charge all the monthly payments that remain pending. Likewise, if it is necessary to replace the device, a deductible proportional to the price of the insurance will be applied. You can see the prices in the following table:

Keep in mind that in case something happens to your mobile, with the mobile insurance already carried out, Orange will send you one equal to yours within 24 working hours to the address you indicate.

My Mobile Insurance

One of the websites that you can take a look at to insure your mobile is Mi Seguro Móvil.com. It presents a very visual interface, it is intuitive and allows you to distinguish between different mobiles. There is a special section for iPhone and Samsung. One of their advantages is that they give you the option of insuring your device regardless of age. It does not matter that more than three months have passed since your purchase. Of course, they require a minimum duration of two years, so you need to think about it very well.

The price for insuring a mobile phone on this website ranges from 5 euros to 15 euros per month. This will depend on the total amount you want to insure and includes all types of damage, screen breakage or theft. In the case of iPhone, you can insure from an iPhone 6 for 8.50 euros per month to the latest iPhone X for 12 euros per month. For Samsung they have several models with prices of 8.50 euros per month, which is not bad, on whether it is to ensure a Galaxy S9 +.

In the event of theft, Mi Seguro Móvil will require a police report and proof that the SIM card has been blocked. They have 24-hour telephone assistance, which always gives great peace of mind if something happens to your phone at any time and in any situation.

Caser insurance

You may know this company for other types of insurance, such as for the car or for the home. In any case, Caser Seguros also has coverage for mobile phones or tablets, which covers all types of damages. If you enter their website you will see that they are distinguished between two different modalities, the price of which will vary depending on the one you choose. We found a basic coverage in which only damages are included.

• For falls
• By blows
• Due to liquid spillage

This insurance also has compensation for irreparableness. What does this mean? Well, basically, if your mobile cannot be fixed, Caser insurance will compensate you with its real value at the time the accident occurs. This calculation will be made on the invoice (VAT included), discounting 5 percent of the total if the accident occurred during the first year, or 20 percent if it occurred during the second.

The second of the modalities covers damage, but also theft or fraudulent calls. They also offer the possibility of having a replacement mobile phone in case of need. On the web there are a series of conditions in which insurance would be excluded. For example, due to theft (no threat or violence), cosmetic damage or external accessories (power cables, covers or external batteries).

At Caser Seguros you can insure your device if no more than 16 days have passed since its purchase, if its price is not higher than 1,400 euros, you have the invoice and it is one of the insurable brands. The insurance contract has a minimum period of one year, although there is the possibility of renewal. As is logical, the monthly price of the insurance will depend a lot on the model. To give you an idea, it is possible to hire one for less than seven euros a month for devices with an invoice value of up to 400 euros.

Guarantor

With Garante you can take out insurance for your mobile device up to one month after your purchase. However, if more than a week has passed since the acquisition, it will need to be reviewed by an expert first. This website promises protection against extreme temperatures, falls or shocks, theft or surges. In case you did not know, a voltage spike while you have the mobile plugged in can damage the battery and internal circuits. Therefore, this company promises coverage against this.

There are two different ways to take out insurance with a Guarantor: Basic or Standard. The price for a year is from 49 euros for the first or from 56 euros for the second (depending on the model). The website has a form in which you can enter different data to find out the exact price according to the brand and model of your device. With basic protection, you can enter drops or bumps, extreme temperatures, surges, liquid spills and authorized repairers. With the standard comes all this and insurance against theft. It should be noted that for plans that include a franchise, in case of total loss, a franchise must be paid for the stipulated amount or for a percentage of the price of the replacement mobile.

The Phone House

Finally, another of the websites that we advise you to look at when making insurance for your mobile is The Phone House. Covers any type of damage or breakdown that does not fall under the manufacturer's warranty. That is, from broken screens, to accessories, liquid spills, humidity, theft, theft or fraudulent calls of up to 3,000 euros. You can choose between two types according to what interests you the most (total or essential insurance).

The only condition that they put is that the device has been bought in any of the stores that The Phone House has throughout the Spanish territory. One of the advantages of taking insurance with The Phone House is that it does not have any type of permanence. That is, you can do it one month and cancel it the next, or have it up to a maximum of five years. As in the rest of the websites, the price of the insurance will vary depending on the brand or model.