By akademiotoelektronik, 20/03/2023

Breakdown, flight, breakage: what insurance for your mobile phone?

Home insurance, auto: what are they already covering?

Many French people take out new insurances even though they already benefit from similar guarantees.However, these accumulations of covers are not only useless but above all expensive.This is why before rushing to protect your precious smartphone, it is better to review the contracts that we already have.

Multi -risk home (MRH))

First reflex, read the general conditions of your home multi -risk contract (MRH)).Indeed, the objects present in the accommodation benefit from the guarantees provided for in the contract and a mobile is generally part.In the event of a claim (fire, water damage, flight, etc..)), the contract holder will therefore be compensated for damage caused to his phone.In order to know if his smartphone is included in the list of covered objects, you must refer to the mention "Mobile connected objects" or "sensitive objects".If this is not the case, it is possible to request an extension of guarantee from your insurer which can cost less than a specific contract.Just as it is necessary to check that the flight guarantee is included automatically and not optional and what types of flights are affected (break -in, etc..)).Also note that a coefficient of obsolescence can be applied to the amount of compensation.

Good to know: it is not only in his accommodation that his mobile can be covered.Indeed, more and more insurance companies offer to extend the guarantees that these objects benefit inside the housing outside.So wherever the insured is, his mobile will be covered.

Auto insurance

As for his MRH contract, you have to scrutinize your car contract.Generally, for his smartphone to be covered in case for example flight in the vehicle, the driver must have opted for a "Effects - personal objects" warranty which covers the content of his vehicle.

A friend broke my mobile, which insurance is playing?

You should know that if a friend breaks your phone -unintentional -for example by jostling you, it is his civil liability that will play.In other words, mobile insurance will not be of any help.The law requires anyone to repair the damage caused to third parties.If a third party breaks a smartphone, it will be the liability guarantee included in its MRH insurance which will compensate the injured.However, it must be able to prove that it was a third party who broke the mobile and that its owner had not entrusted him with the object.Otherwise, there will be no compensation.

What does a dedicated mobile phone insurance cover?

It all depends on the chosen formula.Basic contracts generally offer a "flight" guarantee by break -in or aggression - and what follows as the fraudulent use of the phone - even a "accidental damage" or "accidental breakage" coverage due to an external event.The majority of insurers define this guarantee as: "any damage or involuntary destruction, externally visible, and harmful to the proper functioning of the guaranteed device" outside "internal defect of the device".

Each insurance company with its own definition, it is better to refer to the general conditions of its contract.

Then other protections are added:

Exclusions, ceilings, franchise: does mobile phone insurance are worth it?

Cela vaut-il (vraiment)) le coup de souscrire une assurance pour son smartphone ? A cette question, beaucoup de professionnels répondent par la négative.And for good reason, this type of contract includes many restrictions in the form of exclusions of guarantees, compensation ceilings and deductible (which is necessarily the responsibility of the insured in the event of a claim)).

Exclusions of guarantees

They are rather numerous.Thus, almost all mobile insurance-not to say the whole-do not support the breakdown of the phone.Indeed, concerning the breakdown, the mobile being under warranty for two years, the insurer does not take over once this first protection expired. Certains contrats peuvent toutefois proposer une extension de la garantie constructeur (voir plus bas)), mais cela reste rare et seuls les composants internes à l’appareil seront couverts et non le reste du téléphone.

Bon à savoir : la loi Hamon impose désormais une garantie légale de conformité minimale (appelée aussi garantie constructeur)) de deux ans à compter de la date d’achat du produit.The entire mobile is concerned, including the battery.Thus, any failure due to abnormal wear of the device or a design problem (button that no longer works, battery that empties abnormally quickly, etc..)) is supported.Mobile is then sent to repair or replaced free of charge by the manufacturer, in other words the brand of the smartphone.Conversely, any failure resulting from improper use of the mobile is not covered: broken screen, device that has fallen into water, etc..

Another claim that is almost never included in smartphone insurance: the loss.Indeed, as a loss is considered to be a fault of the insured, it is not covered.If it is, it is under draconian conditions, as a loss due to an exceptional external element.Good luck to the owner of the mobile to prove such a disaster.

Also pay attention to the breakage guarantee: the expression "any cause" seems to encompass a certain number of claims except that in fact it is better to be careful and pay attention to the general conditions of the contract.Thus, no mobile insurance will industrialize an insured whose laptop has slipped his hands.He should demonstrate that the apparatus has escaped him because for example a stampede in a public place to be able to be compensated.In case of breakage, to be compensated, it is necessary either the intervention of a third party and in this case it is his civil liability which plays, or an unpredictable external event, independent of the insured.

Furthermore, the breakage guarantee will not support scratches, scratches or scales that do not prevent the use of mobile.

Regarding the flight warranty, many contracts only provide compensation in the event of a characterized flight, in other words with break -in or aggression, which means that a flight or shooting will not be covered even as it concernsThe vast majority of flights.Ditto for flights in his home or car.

Any electric accident is not covered either: electric surge (lightning, etc..)), excess temperature (battery leak, etc..)), short-circuit, voltage drop, etc..

Likewise, if the insured has had the misfortune to call on a repairer, the subsequent damage that can occur on the mobile will not be taken care of.

Another example of exclusion: damage following drought, humidity, oxidation, the presence of dust, etc..

Compensation ceilings

In general, the ceiling for the proposed compensation depends on the value of the guaranteed telephone.This is why insurers generally offer two or three more or less expensive formulas.

The guarantees ceilings thus concern:

Franchises

It all depends on contracts again, some applying a franchise and others not.If there is frankness, it rises on average at 25-30 euros per claim.

Before subscribing, it is therefore better to pay particular attention to these elements.

Where to take out mobile insurance?

Several possibilities arise for insured people wishing to protect their smartphone:

Unsurprisingly, when the insured opts for his operator's contract, he can only cover a mobile with a package from this same operator regardless of the brand of the device.However, if he turns to another organization, all operators and mobile brands are assurable.

Good to know: many specialized insurers or not offer family offers.These cover several devices belonging to various family members: smartphones, tablets, computers, etc..The maximum number of covered objects varies according to the companies: four, five, or unlimited.

Note that there are also subscription deadlines: some contracts can only be taken out at the very moment of buying the device, others leave the possibility of thinking more between one and three months.

What is the price of mobile insurance?

As well as the guarantees provided for in the contract, the price of mobile insurance varies according to the value of the smartphone to be protected.In general, the formulas cost more or less ten euros per month, the difference varying from a few euros.If it is a question of covering a family, the note can increase to around twenty euros per month.

Tip: To find out if it is relevant to have mobile insurance and especially for how long, you need to make a quick calculation: how much does my mobile cost?How much is insurance ?What will be the value of my smartphone in two years?If the amount of the insurance becomes too large compared to the value of the device, it is better to stop insurance after two years for example when the phone has undoubtedly lost half of its value.

How to terminate your mobile insurance?

An insurance contract for smartphone is an affinity contract, in other words linked to the purchase of a product.In this context, the subscriber benefits from the termination after one year provided for by Hamon law.And it is better to be vigilant because this kind of contract originally subscribed for a period of one year generally provides for a tacit renewal clause.

After a year, the insured can thus terminate his mobile insurance with one month notice by sending a letter with acknowledgment of receipt to his insurer (and not to the operator unless it isthe insurer)).

Note that certain contracts provide automatically a possibility of termination every month.

Termination letter model

Dear,

The [Date of subscription of the contract], I have taken out insurance for my mobile phone [brand of the phone] with your company under the police number [number of your contract].

Today I would like to put an end to this contract, so I would ask you to take all the measures necessary for the termination of it.

Attached, you will find the copy of my contract as well as the purchase bill for the device.

Espérant la prise en compte rapide de ma demande, je vous prie d’agréer, Dear, mes salutations les plus distinguées.

Signature