If you have an out-of-warranty, out-of-AppleCare iPhone, you may still be able to insure it. Many insurance companies and carriers only cover new iPhones, and your credit card purchase probably only covers you for about 90 days, and the extended warranty it provides probably only doubles Apple's one-year warranty.
Usually they have a minimum period, where you can't claim for 24 hours or so. But if it's longer than that it's fine.
If you've damaged your phone and the damage isn't to do with manufacturing and you didn't have an insurance policy before the phone was damaged, you won't be able to claim on insurance. Most phone manufacturers will offer out-of-warranty repairs, but these usually come at a high price.
Rest of the Best Mobile Phone Insurance Companies
- Row.co.uk Mobile Phone & Gadget Insurance (Loss Cover)
- Gadget Cover Mobile Phone Insurance.
- Trusted Insurances Gadget Insurance Ultimate Cover.
- Better Buy Insurance Mobile Phone Insurance.
- Switched On Insurance Gadget Insurance Ultimate Cover.
II. Wireless Carrier Protection Programs
| Carrier | Protection Plan Cost per Month | Cost per Claim |
|---|
| AT&T | $9 | $225 |
| Sprint | $13 | $200 |
| T-Mobile | $10 | $175 |
| Verizon | $13 | $89 |
Cell phone insurance can be worth it if you're prone to damaging or losing your phone. We've done the calculations and find in the long term, cell phone insurance could cost more than repairing your phone without it.
Buy an AppleCare plan on your iPhone, iPad, or iPod touch
Open Settings. Tap General > About. Tap AppleCare+ Coverage Available and follow the onscreen instructions to choose and buy AppleCare+.Cell Phone Insurance
The purpose of buying insurance is to protect against the things that a manufacturer's warranty does not. Additional insurance will usually cover: Accidental damage including a cracked screen and water damage. Mechanical and electronic failures, if your manufacturer's warranty has expired.The Best Cell Phone Insurance Companies
- SquareTrade. Get Coverage. SquareTrade.
- AppleCare+ Get Coverage. AppleCare+
- Samsung Premium Care. Get Coverage. Samsung Premium Care.
- AT&T Device Protection. Get Coverage. AT&T Device Protection.
- Verizon Total Mobile Protection. Get Coverage. Verizon Total Mobile Protection.
However, most home insurance policies will include cover for your handset if it lost or stolen. 'If you have home contents insurance, your mobile phone is covered as standard in and around your property. Equally, if your bath or shower leaks and your phone is damaged by the overflowing water you are also insured.
An insurance company can't unilaterally decide to 'track your phone'. That would be an invasion of privacy and is quite probably unlawful. But technologies are being deployed that will utilize your phone as a reporting device, assuming you give permission.
Unfortunately, jailbreaking blacklisted iPhone won't fix it because the IMEI is still blacklisted by carrier. Updating the iOS for iPhone or flashing the firmware for Android devices will not make any difference since the bad IMEI or bad ESN will not be removed from carriers' databases.
As soon as you find your phone is missing you need to call your operator to stop service, call the police to report it stolen (don't call 999, get the regular station number from directory enquiries), and then call your insurer to start the claim process.
Simple. Be honest and return the damaged phone to Asurion, or they will charge you a couple hundred dollars as a penalty. HOWEVER, if you owe $1400 to AT&T they can blacklist your new replacement phone if you default on your bill.
If lost or stolen, you'll need to have Find My iPhone enabled on your device at the time it went missing in order to have Apple honor a replacement. For any model iPhone under either AppleCare+ or AppleCare+ with Theft and Loss, replacing a phone with screen damage will cost you an extra $29.
Affordable Option. Repairs start at $29 so breaking your phone won't break the bank.
Lost your phone, reported it, then found it again? That's fine, you can still sell it on. Just call up the same number you used to report it - as well as your network's customer service - and tell them you've found it again and all is well.
If a phone is reported stolen, the IMEI can be added to a shared database of stolen devices (the Equipment Identity Register, EIR). If a phone is reported stolen, the IMEI can be added to a shared database of stolen devices (the Equipment Identity Register, EIR).
If a phone is blacklisted, it means that the device was reported lost or stolen. The blacklist is a database of all the IMEI or ESN numbers that have been reported. If you have a device with a blacklisted number, your carrier may block services. In the worst-case scenario, the local authorities could seize your phone.
Usually only takes about 1-3 days unless the phone is on back order. If my post or someone else's answered your question please mark it an Accepted Solution.
Once your insurance claim is approved, you'll be told if Asurion is electing to repair or replace the device, if it's the latter, they'll ship it out to you overnight. It may be new, or it may be refurbished. A phone charger, battery, and a SIM card will be included.
For all valid claims we will either repair or replace your product. However, each claim is unique. In some instances, where we are unable to repair your product, we will replace with a new or refurbished product of like kind and quality to the original product.
Asurion is easily the most all-inclusive insurer on this list, since they cover not only damage, but theft and loss. And they'll ship you a replacement phone the next business day after your claim is approved (or you can go to a store and pick one up in some cases). That's convenient.
Is there a limit to the amount of claims I can make on my phone? Yes. Most of our wireless carrier programs have coverage limits which range from two (2) claims in 12 months to three (3) claims in 12 months.
When you make a claim through Asurion, they will blacklist the phone if you claim it has been lost or stolen. Only Asurion will be able to remove it from the blacklist, Fido has no control over this.
It is not T-Mobile but Assurant (insurance company) that replaces the device. Usually it is a refurbished but on occasion they are new.
If your device is defective or has been damaged, and you are being provided a replacement device, it must be returned using the prepaid shipping label provided with your replacement device. Non-return charges of up to $850 may be added to your wireless bill for failure to return your defective or damaged device.
BUT to my surprise, Asurion DENIED my claim because they stated that the device had not been used yet. This is/was my first time handling a phone claim with Asurion and was completely unaware that the device had to have been "used". I mean, it was ACTIVATED from the day of purchase.
