Table of Contents 64q43
Being without a smartphone due to an accidental break, or even losing it after a theft or theft, becomes a problem not only because of the price to buy a new device, but also because of the lack of access to services that have become essential. . That's why you should have cell phone insurance to you in any situation. 6202m
Thinking about explaining all the benefits and details to hire insurance for your smartphone (regardless of whether it is Android ou iOS), as well as giving options to make an assertive choice, we developed this special article. Check the details right now!
Why take out insurance for Android and iPhone? 1d6m6l
You might think you don't need a service like this, but this is where you're wrong. If you are a person who prefers to pay a little more for quality models, imagine what would happen if your device is stolen? In this way, it is worth being a customer of a company that gives you the security of going out with your smartphone without the fear of losing it and not having a replacement device.
Another reason it's worth being the contractor for this service is that there's no way to predict accidents, so you'd have to spend a lot of money (which isn't always available) to get the model repaired. All care is little and having this exhaust valve will be more than essential to make use of your smartphone more peacefully.
Types of coverage 6b4zr
Before we talk about the possible companies that you can hire, it is important to mention the types of coverage. Just as there are different types of life insurance, the same goes for the smartphone industry. Most of them cover robbery and aggravated theft, but there are coverages for more situations. In general, you can claim insurance if you experience:
- Theft: when the criminal approaches the victim and takes away the good (in this case, the cell phone) under threat or effective act of violence;
- Qualified theft: leaves traces of obstacle breakage to gain access to the cell phone that was stolen. Example: the thief tore the zipper from the backpack where the cell phone was;
- simple theft: the mobile is taken without any traces of obstacle breakage to access it. Example: the thief pulled the cell phone out of his pocket, without damaging his clothes;
- Accidents: for cell phones, it is usually screen breakage due to drop or malfunction due to liquid spillage.
There is no general rule about what companies should not , but most of them will not serve you or insurance cannot be activated if:
- Your smartphone breaks by some collision;
- Some liquid intentionally enter the smartphone;
- The cell phone is destroyed in a fire or even an explosion due to some internal component;
- The appliance is destroyed in a collapse or demolition of columns, slabs or buildings.
In any case, when searching for a company that offers insurance for Android ou iOS, pay attention to all the details. It is better to have a good conversation with the consultant and clear all doubts before the contract is signed.
need and fidelity 3s3z4b
The same care you take when buying a new smartphone should be taken when purchasing cell phone insurance. That's because there are many pranks that can end up in trouble instead of being a solution after a robbery, theft or accident. Thus, evaluate two points: lack e fidelity.
A lack it is the period after contracting a plan in which the insurance cannot be activated. Imagine, for example, that you are going to travel next month, but you will only be able to activate the insurance in two months? It is for this reason that the need must be studied before the contract is made.
A fidelity it is a way for the company not to have losses in the event of a possible breach of contract. If, for example, you signed a one-year contract and had to cancel before that period, you will have to pay a penalty for the remaining months.
What is franchising? 3r2128
To pay for a new device — known as a award in the insurance universe — in the event of theft, total damage resulting from an accident or even requesting repair, it will be necessary to pay an amount according to the market price of the device that was included. It's what they call franchise.
There is no percentage defined by any body that guarantees that customers will not be charged unduly when cell phone insurance is triggered, but many brokers use the percentage of 20% of cell phone value as the basis for most contracts.
In practice, if you have a model like the iPhone 15, which is currently sold from R$ 7.299 on the website Apple , it will be necessary to pay a deductible of R$ 1.459. As much as this is the value of a cell phone Android basic, which meets the needs of many Brazilians, is still more worthwhile than having to change the operating system, right?
Generally, the amount of the deductible is decided at the time the smartphone insurance is being taken out.
Mobile insurance broker options 3j706r
Now that you know all the details you need to pay attention to in order to take out insurance for iPhone ou Android assertively, it is important to know that there are many companies in the market offering this service. O showmetech searched for the main insurers and brings you details about each one, and how the plans are defined.
Pier 6i254x
Focused on offering fast hiring, the Pier offers a 50% discount on the first monthly fee for new customers and there is no contract term that binds you to the company. It's like insurance for Android ou iPhone were paid the same way you pay Netflix and other services streaming.
A Pier does not require the payment of a deductible for you to receive a refund according to the model that was stolen, but on the other hand, it does not offer coverage for accidents, losses and occurrences that happened outside Brazil. The amount agreed in the contract can be sent to your within 5 working days if the documents are correct.
There are two plan options for those looking for smartphone insurance: the economic plan guarantees that you will receive 80% of the market value of your smartphone (the price of a new model is taken into ) and the plan guarantees 100% of the value of the device. See the simulation with a iPhone 15 com 512 GB internal storage:
A Pier has its own table to define the values of used cell phones that is updated twice a year, and if the price of a used cell phone model decreases, the same goes for the monthly fee. The company also does not require the presentation of the invoice for the insurance to be taken out.
- Franchise: there is no deductible payment;
- Fidelity: plan can be canceled at any time;
- Coverages: robbery, qualified theft and simple theft;
- Alumni: 80% or 100% (depending on the plan) of the value of a new model of the insured smartphone.
You can simulate and contract your plan at official website of Pier, as well as in the application that is available for Android e iOS.
cover 116m1
Prefer a more complete option? THE cover is a company that, in addition to offering coverage for accidents such as broken screen, liquid ingress, damage to the camera lens, electrical damage or problems related to the battery or charging, also has international coverage.
Coover's insurance brings traditional coverage that guarantees that you will not be left out in the event of qualified theft or robbery. However, there is no coverage for simple theft and loss.
The price of the plans may vary according to your smartphone, but an interesting feature is the possibility to hire a group of up to 5 people. Whenever you close a deal with cover, becomes the “leader of a group” who can recruit up to four friends to also be part of the same group by sending a link.
When the number of five people in your group is reached, the franchise will be reduced by 50% of the value defined in the contract, a replacement cell phone will be offered while waiting for the new device, and cashback will also be released (still under implementation).
The plan is paid on a monthly basis and, in our simulation, the validity period of 12 months was shown, but cancellation can be made at any time if you are dissatisfied. THE Coosee features the smartphone security solution from Zurich Insurance and the entire refund or repair request process is handled by this company. Check out:
- Franchise: 20% in relation to the new smartphone value
- Fidelity: There is not;
- Coverages: Theft, Qualified Theft and Accidental Damage, including liquids;
- Alumni: model repair or replacement in case of theft or theft.
The contracting of plans can be done through the official website of cover or through the app to Android ou iOS.
Cyclical 4h52b
A Cyclical is a company that is part of the Bank of Brazil and its great differential is due to the international coverage, which allows you to receive a new smartphone (in case of theft) even if you are not in Brazil.
The person responsible for the entire claim process is the Assuring and there are coverage options for theft, device breakage (in this case, your device will be fixed by technicians) and even problems that originated after some liquid entered the smartphone.
If the insurance is activated, it will be necessary to pay a deductible equivalent to 25% of the price of the device in order to receive a new cell phone with the same specifications. Not all models on the market are listed on the company's website. Cyclical, and the addition is happening little by little, but it's worth doing a simulation to find out what the price of your monthly subscription would be.
The contract, despite being listed as annual, can be canceled at any time. THE Cyclical accepts only credit card as a form of payment and it is necessary to have the entire amount as a limit for the contract to happen. The brokerage firm emphasizes on its website that, in the event of any cancellation, the amount will be refunded according to the time that has ed since the hiring.
- Franchise: 25% in relation to the value of the device;
- Fidelity: it is necessary to pay the amount of one year at the time of contracting, with a proportional chargeback in case of cancellation;
- Coverages: robbery, aggravated theft and accidental damage, including liquids;
- Alumni: 80% or 100% of the value of a model included in the insurance.
To take out insurance with Cyclical, just access the official website. When hiring, you will need to present the IMEI of the device and the invoice in the name of the person who will be paying the monthly fees. The device can have up to a maximum of 18 months of use (which start to be counted from the date of issue of the invoice).
Safe Mobile Port 62196i
In addition to offering life and auto insurance options, Porto Seguro also has a solution for those who want to go through the process of how to hire cell phone insurance. The price of the plans varies according to the coverage you choose, but it is possible to have in case of accidental breakage, theft and simple theft.
The website of Porto Seguro points out that wear and tear due to time of use, loss and problems that arose before hiring are not reasons to trigger the insurance and request a refund. See this simulation with the new Galaxy S22, from Samsung:
But if you get stolen or the device breaks, there's nothing to worry about. Porto Seguro charges a 25% deductible in relation to the market value of the smartphone that was included in the contract.
Customers who hire Safe Mobile Port get 10% off accessories when purchasing on the GoCase and through PortoPlus It is possible to accumulate points that can be exchanged for discounts on products in different categories.
- Franchise: 25% in relation to the value of the device
- Fidelity: it is necessary to pay the amount of one year at the time of hiring;
- Coverages: robbery, aggravated theft and accidental damage (including liquid);
- Alumni: model repair or replacement in case of theft or theft.
The contract must be made by the website Porto Seguro and then it is necessary to the application for the policy to be validated.
Nubank 4n732v
O Nubank had already entered the life insurance market in 2021, and in early 2022 a mobile insurance solution was launched for purple bank customers. In partnership with Chubb, you can select coverage for theft or aggravated theft, as well as simple theft. Accidental damage (such as a broken screen) that could result in the device becoming unusable may also be included in your contract.
The deductible is included in the cell phone insurance of the Nubank and the bank does not inform the percentage according to the models, being presented on a case-by-case basis at the time of contracting. This option is distinguished by delivering a refurbished cell phone instead of a new device or equivalent value.
Refurbished smartphones are devices that were used as commercial samples for a while or were returned by their buyers within the first seven days of purchase. After undergoing a renovation and quality control, the devices return to the market to be sold in new condition for a lower price.
In case any problem occurs outside Brazil, the customer can still activate the insurance when returning to our country. Payment can be made by debiting your Nubank or through the bank's credit card.
- Franchise: payment according to smartphone model
- Fidelity: payment made monthly;
- Coverages: theft, aggravated/simple theft and accidental damage
- Alumni: Shipment of a refurbished model with the same (or higher) specifications.
The downside is that due to being a new solution, only some customers of the purple bank can carry out the contract. But you can show interest by filling out the form. wait list form. Hiring takes place through the application of the Nubank.
PagSeguro 3b6z47
Providing coverage for burglary and theft with break-ins, accidental breakage and damage caused by ingress of liquids, this PagSeguro stands out for charging a deductible of only 10% of the smartphone value in the event of insurance. Coverage also applies to cases that took place outside Brazil.
The website of PagSeguro points out that if your model is stolen or stolen, the replacement will be done quickly. The same goes for the repair, so you have little time to communicate. There is no grace period, which guarantees that you will be able to use the insurance as soon as you close the contract.
- Franchise: 10% according to the price with a new model;
- Fidelity: 12 months;
- Coverages: robberies and thefts with break-ins, accidental breakages and damage caused by the ingress of liquids;
- Alumni: model repair or replacement in case of theft or theft.
All hiring must necessarily be done through the application of the PagSeguro for Android e iOS and an is required for the process to complete. You define the plan type at this point.
Living 214h52
Known for offering telephony and internet services throughout Brazil, Living also has an insurance solution for iPhone or models Android. The monthly fee will vary according to the model you are thinking of including in the policy, but the company's website points out that there are plans with a monthly fee starting at R$4,99.
A Living guarantees that the insurance can be activated in cases of theft, qualified theft and accidental damage. There is no coverage for simple theft, loss, loss, cosmetic damage or problems that originated before hiring. This is the value of a simulation with the simplest model in the line iPhone 13 with 128GB of internal storage:
Carried out with the of Zurich, deductible varies depending on the plan you choose, but does not exceed 25%. Are they:
- Coverage for Qualified Robbery or Theft: 25% in relation to the market value for replacement of the device;
- Accidental damage coverage: 15% for repair and 10% for replacement;
- Theft and Accidental Damage Coverage: 25% for theft and 22% for accidental damage.
It is important to that, as in the Nubank, the customer will receive a “renovated model” that has returned from the market and not a new one, but the quality and all specifications will be maintained (according to the company).
- Franchise: up to 25% according to the table defined by Vivo;
- Fidelity: monthly payment, which can be canceled at any time;
- Coverages: robbery, aggravated theft and accidental damage
- Alumni: model repair or replacement in case of theft or theft.
Hiring is done on the website Zurich.
Clear Mobile Protection 2s2154
Still within the spectrum of operators that offer cell phone insurance, Clear has the solution Mobile Protection, which guarantees that you will receive a new model in the event of theft and aggravated theft, accidental physical damage and problems caused by liquids. You will also get for broken screen cases. The insurance cannot be activated in cases of simple theft, loss, misplacement or external damage that does not affect the general functioning of the model.
Franchise pricing can be an issue for some people. A percentage of 40% is charged in cases of theft and qualified theft on the market value of the model and 25% in cases of physical damage that requires repairs. The monthly fee is fixed and starts from R$ 17 per month and goes up to R$ 60. This is the deductible amount for theGalaxy S24 with 256GB of internal storage:
If the device needs to be replaced, the Clear guarantees on its website that a new or similar model will be shipped to the customer, but the option to receive a refurbished device is also offered.
- Franchise: 40% for theft and 25% for accidental breakage;
- Fidelity: The individual contract lasts 24 months;
- Coverages: robbery and theft, accidental physical damage, problems caused by liquids and broken screen;
- Alumni: model repair or replacement with a new model (same or similar) or refurbished in case of theft or theft.
Hiring can be done in any of the physical stores of Clear and is available to carrier customers who have plans Postpaid (Claro Post, Combo Multi, Broadband e Control) and Prepaid.
TIM Protected Device 524a4p
In addition to being active in cases of robbery or qualified theft, the operator can also be called in cases of breakage of your device. This option stands out for not having a grace period and international coverage, as well as weekly raffles of R$ 500 for all contractors.
Intentional damage and losses are not part of the coverage offered, as well as wear and tear and other problems that occurred due to a manufacturer error do not characterize a claim. The amount of the deductible is not informed by the TIM No. insurance regulation, but the variation happens according to the smartphone model.
- Franchise: to be defined according to the smartphone model;
- Fidelity: monthly or weekly;
- Coverages: robbery and theft, accidental physical damage;
- Alumni: model repair or replacement in case of theft or theft.
Hiring can be done at any store in TIM, both in monthly format (from BRL 11,99/month), and in the weekly format (from BRL 2,99/week). Prepaid or postpaid plan customers can this solution by sending a SMS for 5524 (with the word MONTHLY or WEEKLY).
Samsung Care + 5f5o5a
Did you buy your smartphone in the last 30 days and would you like to feel more secure? The smartphone and tablet maker of the line Galaxy offers an option for customers to burglary and aggravated theft and accidental damage (especially broken screen replacement). There is no coverage for simple theft.
The value of the deductible varies according to the model you include in the insurance and best of all is that, as you are closing a deal with the manufacturer, all parts and models are original. See this simulation that is valid for cell phones of the line Z Flip, Galaxy S e Galaxy Footnotes:
Another interesting point is that within 24 hours of g the contract, you can activate the insurance in the event of a problem. The Korean company also offers the possibility of an extended warranty, which provides an additional year (in addition to 12 months, which is included in all purchases) of in the event of any technical problem. Just go to a service center Samsung and the repair will be done free of charge.
- Franchise: to be defined according to the smartphone model;
- Fidelity: single payment;
- Coverages: robbery and theft, accidental physical damage;
- Alumni: model repair or replacement in case of theft or theft.
O Samsung Care + It is not smartphone insurance that you pay monthly, but an additional payment (which can be made at the time of purchase or within 30 days of purchase) that has the same benefits. In addition to being able to be hired in stores Samsung, you can make the contract through the company website. to be with IMEI of your cell phone and the invoice.
Among the options mentioned in this article, which one do you think is best for your daily life? tell us Comment!
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reviewed by Glaucon Vital in 12 / 2 / 24.
