In today’s digital world, your smartphone is more than just a device – it’s your wallet, personal assistant, camera, and gateway to the internet. Given how expensive smartphones have become, getting mobile phone insurance is no longer a luxury but a necessity. Whether it’s an iPhone, a Samsung Galaxy, or a mid-range Android device, protecting it from accidental damage, theft, or loss can save you thousands of rupees.
In this blog, we will walk you through everything you need to know about how to make mobile phone insurance — from choosing the right policy to filing a claim and protecting your phone with tools like IMEI tracker.
Why Mobile Phone Insurance Is Important
Mobile phones are vulnerable to:
- Accidental drops or water damage
- Theft or misplacement
- Internal hardware or software issues
- Screen or battery failures
Without mobile phone insurance, you could end up spending a large amount to repair or replace your device. With the right insurance policy, you can save money and have peace of mind.
Step-by-Step Guide: How to Make Mobile Phone Insurance
1. Assess Your Phone’s Value and Usage
Before buying a policy, determine:
- The cost of your mobile phone
- How you use your phone daily (heavy user, traveler, etc.)
- Risk factors like theft-prone areas or workplaces
For instance, if you own an iPhone, consider dedicated iPhone insurance options which are tailored for Apple devices.
2. Check With Your Mobile Brand or Carrier
Most phone manufacturers and mobile service providers offer insurance or protection plans. For example:
- Apple offers AppleCare+ for iPhone users.
- Verizon customers can get protection plans and run a Verizon IMEI check to verify their phone’s eligibility.
- Samsung, OnePlus, and other brands also have tie-ups with third-party insurers.
3. Compare Third-Party Insurance Providers
There are several third-party companies offering mobile phone insurance. While choosing a provider, check:
- Premium cost and coverage
- Deductibles (out-of-pocket cost)
- Claims process
- Repair or replacement turnaround time
- Availability of pick-up/drop service
Popular options in India include OneAssist, OnsiteGo, Syska Gadget Secure, and Servify.
4. Know What Is Covered
Every insurance plan is different. Common coverage includes:
- Accidental physical damage
- Screen damage
- Liquid damage
- Theft or burglary
- Fire or explosion damage
However, many plans exclude:
- Cosmetic damages (scratches, dents)
- Lost accessories (charger, earphones)
- Unauthorized repair damages
- Software issues due to third-party apps
5. Understand IMEI Registration
Most insurance providers require you to register your phone using its IMEI number. The IMEI (International Mobile Equipment Identity) is a unique 15-digit code used to identify your phone.
You can find it by dialing *#06# or checking the phone settings.
Registering your IMEI helps in:
- Verifying device ownership
- Preventing insurance fraud
- Assisting in theft recovery through IMEI tracker tools like https://trackimei.net
6. Buy and Activate the Policy
Once you choose a plan:
- Purchase it online or through a store
- Submit a copy of your phone invoice
- Share your phone’s IMEI number
- Activate the policy within the stipulated time (usually 7–15 days from purchase)
Keep the policy documents, terms, and customer care number handy.
7. Install a Phone Tracking App (Optional)
If your phone is stolen, insurance companies often ask for a police report or evidence of attempts to recover the device.
Using an IMEI tracker like the one at https://trackimei.net can help you:
- Track your stolen phone
- Block IMEI to prevent misuse
- Submit IMEI logs as part of the insurance claim
How to File a Mobile Phone Insurance Claim
If your phone gets damaged or stolen, follow these steps to file a claim:
- Inform the insurer immediately (within 24–48 hours)
- Submit required documents:
- Original invoice
- Policy document
- FIR or police complaint (in case of theft)
- Photos of the damaged phone (if applicable)
- IMEI number and phone tracking details
- Original invoice
- Wait for assessment and approval
- Get repair or replacement as per the insurer’s process
Some insurers provide cashless repairs at authorized service centers, while others offer doorstep pick-up and drop.
Tips to Get the Best Out of Your Mobile Insurance
- Buy insurance early – preferably at the time of phone purchase
- Register IMEI number with trackimei.net
- Avoid third-party repairs – these void warranties and insurance
- Read the fine print – understand claim limits and deductibles
- Report loss or theft quickly – delays can result in claim rejection
iPhone Insurance: What’s Different?
iPhone insurance is generally more expensive due to the high repair costs of Apple products. However, Apple’s own AppleCare+ offers:
- Two years of coverage
- Express replacement service
- Coverage against accidental damage (with service fee)
For out-of-warranty iPhones, third-party insurers provide theft and damage protection at competitive premiums. Always verify using your IMEI number before buying a plan.
Conclusion
Mobile phone insurance is a smart move in today’s tech-savvy world. Whether it’s an accidental drop or your phone is stolen, an insurance policy can save you from expensive surprises. From choosing a policy to using IMEI tracker tools like https://trackimei.net, a little preparedness can go a long way.
So, don’t wait for an accident to happen—get your mobile phone insurance today and protect your digital lifeline.