Difference Between Mobile Phone Insurance Protection And A Warranty


Mobile Phone Protection plans and service warranties are both ways to protect your device, but there are some major differences you should know about before making the choice that’s right for you.

A Phone manufacturer’s warranty is a promise from the manufacturer that, if it’s within a given time period, they will repair or replace your phone in case of manufacturing defects which are incidents where the phone does not fulfill its intended purpose. Thus, service warranties do not cover lost or stolen phones.

On the other hand, Protection Plan or mobile insurance gives your phone an extra layer of protection – because it is an All Risk Cover and covers losses arising out of any accident, Act of God Perils, theft or burglary.

The Cover can also be extended to include liquid damage or damage due to mechanical & electrical breakdown.

If something happens, like your phone falls in the toilet, and you need to file a claim on your phone you will pay a deductible, just like you would for any other insurance program. The deductible helps keep your monthly fees lower, so you only pay when you need the coverage.

With most wireless insurance programs you pay monthly as long as your coverage continues. If you decide to discontinue your coverage, you can cancel at any time.

Service Warranties with Accidental Damage from Handling

While a typical service warranty does not cover damage, some products will add what they call “Accidental Damage from Handling”.

This provides you with some protection from certain types of damage (like dropping it) and all types of damages, but still does not cover loss or theft. As will all insurance and service warranties, you should read the terms and conditions.

They are boring, but you need to make sure you know what you’re signing up for.

Warranties usually cover your appliance for mechanical or electrical failure, but not for accidental damage. For such damages, buying a mobile insurance is always wise.

Service Warranties

People often think mobile warranty and mobile insurance are the same thing. But they are significantly different forms of consumer protection and they can cover different things, although there may be some overlap at times.

This protection service allows you receive the same amount of coverage issued by the manufacturer for a longer period of time. Typically, you pay up front for 1 or 2 years of additional coverage and may be eligible for additional fees later if you need service.

However, service warranties cover device malfunctions, which are incidents where the phone does not fulfill its intended purpose. Thus, service warranties do not cover lost or stolen phones like theft. Theft can be covered by mobile insurance..

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