Do I Need Phone Insurance?

Smartphones are getting increasingly expensive, so it’s unsurprising that phone insurance is now available to protect them.

Phone insurance can offer compensation if your phone gets broken or damaged accidentally. It can also ensure your phone gets repaired as soon as possible and that you stay connected with a replacement phone when your own phone is not working.

But do you really need phone insurance? The answer depends on the individual. If you answer yes to one or more of the following questions, you might want to consider getting phone insurance.

 

You own an expensive smartphone

These days, it is not unusual for smartphones to cost over $1,000. If you have the latest iPhone or Samsung Galaxy, accidentally dropping the device would result in a huge monetary loss, not to mention quite a bit of heartache.

Phone insurance can cushion the blow by covering you for phone repairs and replacement costs. So if you accidentally drop your new iPhone and crack the screen or drop your Samsung Galaxy into the toilet bowl, you’ll at least have peace of mind in knowing that the cost of repairing your phone will be covered.

If the phone cannot be repaired, the cost of a replacement phone will likewise be covered by your insurance.

 

Not being connected by your smartphone is not an option

Another advantage of phone insurance is that it can minimise the time you have to spend without a phone when your device is being repaired or replaced.

For instance, HL Assurance’s Phone Protect360 comes with a door-to-door express service which enables you to get your phone fixed at your doorstep.

If you absolutely need to have a working smartphone at all times because of work or family commitments, phone insurance might be a good idea. For example, if you are a salesperson who’s always on the go or a Grab driver who relies on your phone to receive bookings, not having a working phone might have an impact on your income.

 

You have a history of dropping your phone

Some of us are just more accident-prone than others. Have a look at your past phones. If many of them have cracked screens, it’s possible that you have a tendency to drop your phone.

In that case, you are more likely to be able to benefit from a phone insurance policy than someone who is extremely careful or who hardly carries their phone around with them. With phone insurance, you will no longer have to blame yourself for accidentally dropping your phone, as repairs will be paid for.

 

You do sports or are often near water with your phone

Whether or not you are accident-prone, if you frequently exercise, do sports or are often on or near water with your phone, the potential for dropping your phone or getting it wet rises.

For instance, if you are a canoeing or kayaking coach and you usually take your phone with you when you are out on the water, your chances of your phone getting wet at work are much higher than if you were an office worker.

 

Protect your smartphone with phone insurance from HL Assurance, and you’ll never have to worry about dropping it again.