What does a Mobile Phone Insurance Cover?

[samir]

Does anybody has any idea - What does a Mobile Phone Insurance Cover?

Am I asking this question because with all the exclusions, do we get any cover at all?

[PolicyWala]

Does anybody has any idea - What does a Mobile Phone Insurance Cover?

The policy for mobile phones provides cover against
1.Fire.
2.Riot, strike, malicious damage and terrorist activities.
3.Theft.
4.Accident.
5.Fortuitous circumstances.



Am I asking this question because with all the exclusions, do we get any cover at all?

Exclusions under the mobile phone insurance policy are

1- Mysterious disappearance.
2- Theft from unattended vehicles, except from fully enclosed car that is securely locked.
3- Theft, loss or damage during the hire or loan to a third party.
4- Mechanical and electronic breakdown or derangement.
5- Overloading and experimentation involving imposition of any abnormal conditions.
6- Damage by wear and tear, vermin, atmospheric or climatic condition or gradual deterioration, inherent defect or from any process of cleaning, repairing or maintenance.
7- Loss or damage due to war or nuclear perils, loss by water or from any water borne craft.
8- Intentional or willful act of the insured party.

[topinvestor]

Yes It sounds beneficial for frequent travellers like me , who have the risk of loosing their handset.
Even the shopkeepers keep you well informed about the latest insurance coverage while buying a mobile.

[Nidhi]

Mobile Insurance covers-

1. Damage to the internal parts workings of the phone due to water spillage.
2. Hardware Failure like malfunctioning touchscreen, faulty earphone jack or charging port problem.
3. Damage due to fire.
4. Damage occurring due to riot, strike, terrorist activities.
5. Damage caused due to malicious intent.
6. Screen cracks.
7. Loss of device due to theft, house break-in, burglary.
8. Loss of device from a securely locked vehicle or building.
9. Damage to the interior or exterior components of the device.

Exclusions-

1. If the phone has gone missing mysteriously.
2. If the phone is stolen from an unattended building or vehicle. Theft of the mobile phone from vehicles that are left unattended.
3. If any damage occurs or the phone is lost during the period when it was being used by a third party, other than the owner of the phone.
4. If the phone suffers a mechanical or electronic breakdown.
5. If the device has been overloaded or experimented with under any abnormal conditions.
6. If any damage was caused due to routine wear and tear of the device.
7. If any damage occurs due to change in climatic/atmospheric conditions.
8. If the damage was due to any wilful or malicious act caused by the owner of the insured device.
9. Any defects or damage that has been caused during the process of repairing or cleaning the device.

[Nayros]

Mobile Insurance covers-

1. Damage to the internal parts workings of the phone due to water spillage.
2. Hardware Failure like malfunctioning touchscreen, faulty earphone jack or charging port problem.
3. Damage due to fire.
4. Damage occurring due to riot, strike, terrorist activities.
5. Damage caused due to malicious intent.
6. Screen cracks.
7. Loss of device due to theft, house break-in, burglary.
8. Loss of device from a securely locked vehicle or building.
9. Damage to the interior or exterior components of the device.

Exclusions-

1. If the phone has gone missing mysteriously.
2. If the phone is stolen from an unattended building or vehicle. Theft of the mobile phone from vehicles that are left unattended.
3. If any damage occurs or the phone is lost during the period when it was being used by a third party, other than the owner of the phone.
4. If the phone suffers a mechanical or electronic breakdown.
5. If the device has been overloaded or experimented with under any abnormal conditions.
6. If any damage was caused due to routine wear and tear of the device.
7. If any damage occurs due to change in climatic/atmospheric conditions.
8. If the damage was due to any wilful or malicious act caused by the owner of the insured device.
9. Any defects or damage that has been caused during the process of repairing or cleaning the device.
Thank you for this

[Nayros]

Does it cover the screen damage ?