Do you have a brand new iPhone 5C or want to purchase it this winter? If the answer is yes, then you must be thinking about the right insurance policy for your phone. There are many options available in the market which may confuse sometimes but before buying any policy make sure that you check all the coverage it offers. Now let’s have a look on top 6 important things before you make your decision:
1. First of All Check if it Provide Accidental Damage Coverage or not
Nobody wants to damage his/her phone right after purchasing it. But it is a fact that an accident can happen any time and in any form – whether you drop some Coke on it while chatting with your friends or your kid hit it with his toy hammer resulting in cracked screen or some internal damage. It’s a pity; the manufacturer’s warranty does not cover for accidental damage. So in this case you have to pay a lump sum amount in order to get your phone back in working condition. While choosing a third party insurance, always check whether they cover accidental damage or not.
2. Check whether it Cover Loss and Theft
Now a day, an iphone5 or latest iphone 5C is a lucrative option for any high tech burglar. But it is surly a nightmare for you. Loss and theft are two major issues of phone owners which manufacturer’s warranty does not cover. For this reason, you have to purchase third party insurance like Protect Your Bubble iPhone 5c insurance. It will give you complete coverage against loss.
3. Check if it Cover for Mechanical Damage beyond Manufacturers’ Warranty
The latest iPhones are not so simple like their predecessors. There are many complex chips inside them which may stop working anytime without any prior indication. Thankfully your manufacturer warranty covers this type of mechanical damage for the first year (or first few years, in case you have purchased extended warranty). But what happens after this warranty period? Then you need a third party insurance to cover for mechanical damages.
4. Check if it Promise to Replace your Phone in Case the Damage is Beyond Repair
When buying insurance for your mobile phone, keep one thing in mind. When they cover you against those damages (accidental or mechanical breakdown), they mean to fix your phone and make it as good as new. But what if your phone cannot be fixed? Will they replace your damaged phone with a new or refurbished phone?
5. Check if it Provide a Worldwide Coverage
If you have to travel a lot for your job or business purpose then you must need savoir-faire phone like iPhone 5C. So while purchasing third party insurance check whether it provides worldwide coverage or not. There are many insurers like Protect Your Bubble which offers worldwide coverage so that you can live without tension while on board.
6. Check if it Offer Cover Against Unauthorized Calls
Let’s consider a situation where your iPhone 5C is lost and the thief who stole it makes a number of calls from it. When you report this incident to the authority they said that your phone will be blacklisted within 72 hours. But that means the thief can make unauthorized calls to any part of the world in those 72 hours and you will have to pay the bill. In situations like this, some insurance providers cover unauthorized calls too. Now you don’t have to pay a huge amount for the unauthorized calls.