Hello guys, can you live a day without a mobile smartphone? Not all people will answer that. Mobile has become the most important part of everyday life in this era. Be it the office or the house, we are almost on the mobile. And for this, we buy a more valuable and good mobile. In this sense, the security of the mobile also becomes necessary, just as the insurance of the bike car is necessary, in the same way.
What exactly is mobile insurance?
Mobile insurance is an insurance that can protect you from the potential damage caused by your mobile. In which your phone avoids the damage caused by the theft or falling. For this, you have to buy an insurance plan given by irda certified companies.
Why do you want mobile insurance:
- If you are a person who forgets to keep things, then the possible harm can be avoided by blaming you.
- It also happens that your mobile phone has fallen several times before.
- If you have taken a new phone emi, then you may suffer more losses, for this, insurance can prove to be a good option.
- If you have a precious phone like an I Phone, the price of which is almost equal to one bike.
- After the damage of the phone, the expenses have to be paid many times.
Benefits Of Mobile Insurance:
- Repair cost of expensive mobiles are saved from this insurance by paying more money.
- If your phone suddenly turns off due to the water going out, then you suffer due to this expense, by doing insurance, you can be rest assured of it.
- Bima Insurance Companies also offer some other facilities in addition to mobile insurance.
- Fast and cashless feature makes the claim easier.
On which point do you get insurance cover?
- If your phone is stolen, you get a claim from the mobile insurance.
- By dropping the mobile, many times the mobile is turned off, the screen stops working, in such a way, the expenses incurred in this way give you pulses in difficulty, for this, it is a good option to take insurance.
- If the mobile is damaged due to the fire in the mobile, you still get the insurance claim.
- In the rainy season, many times the mobile gets damaged, you can rest assured by taking the insurance cover.
Additional security services you get from insurance:
- You also get security cover on your phone’s battery and other devices, such as sometimes a bad battery is given to you.
- There are insurance covers in which the phone is repaired instead of the claim.
How is mobile insurance taken?
Taking mobile insurance is very easy compared to other insurances, let’s know in easy steps-
- First of all, when you buy a mobile phone, you are asked about Bima. You can only pay the starting premium and turn on the insurance.
- Apart from this, when we take the phone online, you are given the facility to take the insurance cover along with the phone. At such a time, you have to pay the amount of your insurance premium at one time along with the price of the phone.
- If you have not taken the insurance cover with the phone, then you can go to the Bima company’s website and fill the online application form. After that, you can start mobile insurance by paying the required premium.
- Only when you buy a mobile insurance are you told the time of insurance service. You can also renew it again when the date is over.
On what reasons the insurance cover/claim is not received:
- If you yourself intentionally damage the mobile, then there will be no insurance cover on it.
- If there is a problem in the software system in your phone, then you will not get a claim on it.
- If there is some problem in the mobile already, then it can also not be included in the insurance cover.
- Damage caused by a change in the weather in your city.
Claim process of mobile insurance:
By the way, the claim process of every insurance is different, I will give you information about a general claim process here.
- First of all, after the phone is lost or damaged, you will have to inform the company about this before the time indicated by the company. You can call their toll-free number or even go to their website and give information about it.
- After that, you will have to go to the website of Bima Company and fill the claim form, you can also fill this form by visiting their nearest office.
- For a missing or stolen mobile, you will have to first file an FIR at the police station. and copy of the same [Bima has to be submitted to the company.
- You will also have to give a copy of the fire report for damage to the phone after the fire.
- You will have to take out some photos of the damaged mobile and send it to Bima Company.
- After that, your claim form and phone are checked. And according to your insurance policy cover, you are given a claim or phone repair.
- You can connect with customer support from anyone during your claim process.
Documents required for the claim process:
- Real bill copy of mobile phone
- An FIR will have to be filed for the stolen phone.
- Damaged Phone Photos
- claim form
- Bank Passbook
The best companies that provide mobile insurance services:
1. Times Global Mobile Insurance:
Times Global is known for serving mobile insurance all over the world. For Times Mobile Insurance, you have to submit the application form and photo of your phone, after which you have to pay the premium and you get the Bima Policy on.
- Cashless claim service for damage and repair
- Cover after being stolen
- Facility available in almost all countries of the world.
- If no claim is made in 2 or 3 years, then the insurance amount of 50 per cent and 25 per cent is refunded.
- Good customer service for repairs
2. One Assist Mobile Insurance:
With One Assist, you can insure all kinds of small electronic devices. You can check the information of One Assist Insurance through their application.
- All types of damage protection cover included (damage caused by water or suddenly)
- You are given another phone until you repair the mobile.
- The mobile repair is done only with the authorized dealer of Kampani.
- You can bima up to a 1 year old mobile.
- Cash lace claim repair facility.
- The mobile is taken from your home for repair and then given back to the house.
- 24-hour service
- You can go to one assist’s website and see a good insurance cover plan for you by entering the price of the phone and the brand name of the phone on the date of your phone purchase.
3. Syska Gadget Secure Mobile Insurance:
With Syska Gadget Secure, you can get the insurance cover of your new phone. For this, you have to apply within 15 days after taking the phone.
- Cover of all kinds of accidental damage
- With insurance, you are given an application of antivirus for free.
- Cashless Claim Service
- You can only do it for a new phone.
- Can track and block stolen phones
- 3000 movies free with insurance service
4. Quick Heal Gadget Insurance:
Quick Heal is the largest provider of antivirus services and its name is also the most popular. You can also buy Quick Heal’s plans on Amazon. Insurance cover plans from 600 to 2500 are given.
- 1 year damage cover
- Up to 2 years of application antivirus security of the phone
- It is necessary to take insurance within 15 days after taking the phone.
- Cashless Claims and Repair Service
5. Onsite Go Mobile Insurance:
You can also do mobile insurance from onsite go. In this, you can sell both new and old phones.
- The service of repairing and repulsing on the damage of the phone
- The phone is taken from home for repair and then given back again.
- Cover is given even when it is suddenly closed
- The warranty is extended for one year.
6. MI Protect Mobile Insurance:
Mi Protect which is given bima service from Xiaomi if you have a Redmi phone, then you can take bima cover from it.
Apart from this, all the Bima Companies also provide mobile insurance service. If you need information about any other company, then make sure to comment.
Some of the questions related to mobile insurance and their answers:
1. If the inside of the mobile is damaged, does it get cover?
Yes, when you take insurance, the insurance company gives you all the information about it. In which you get this kind of cover.
2. In how many days is the claim amount received after completing the claim process?
After the completion of the process of verification of claim, the claim amount is received in 15 to 30 days.
3. Can more than 1 claim be requested?
If the balance amount is left after your earlier claim, then you can apply for the claim.
4. How to check the status of the claim?
To check the status of the claim, you can know the status of the claim by visiting the website of the neema kapani from which you have taken the insurance.
5. What is the limit of 5 claims?
By the way, the amount of claim is according to the amount of your premium, but this bar is completely decided by the insurance company.
6. Will you get insurance cover when you take a phone outside India?
Yes, there are some insurance companies that offer world wide insurance facilities such as Times Global
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