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Insurers offer contracts to protect you against damage to all your mobile devices (smartphone, tablet, etc...). This type of contract can cover a wide range of mobile devices. But you must check your situation before signing up, because the guarantees they offer you may already be present in some of your contracts. In addition, there are warranty limitations or exclusions.
If you have insurance home multirisk, it is possible that your contract already covers mobile devices against certain risks and in certain circumstances. The extent of coverage must therefore be checked.
For example, in most cases, coverage is limited to the use of the devices inside your home.
The case warranty is often limited to an accident caused by something foreign to you, and the theft warranty generally covers only break and enter.
Finally, the insurer generally applies a haircut to the aircraft for its age.
If your vehicle is insured in "all risks", you can be covered in case of theft in the vehicle of your mobile device.
However, in many cases, pickpocketing or door-to-door theft are not covered by warranties.
On the other hand, the flight of the aircraft is not systematically covered by the vehicle's flight guarantee. A guarantee vehicle content may be necessary.
Insurers offer specific contracts that guarantee all mobile devices owned by a subscriber. These contracts usually guarantee theft or breakage. The contract generally covers a wide range of devices: mobile phone, touch pad, laptop, GPS, camcorder, portable player.
Check if all are covered and which are guaranteed, as some contracts exclude from warranties older or used purchased devices. Also check the type of theft covered by the warranty, as some only cover assault or break and enter. For example, a pickpocket or a stampede will not be compensated.
Limitations and exclusions
The contract may also include a warranty for a class, but this may be limited. In many cases, the guarantee only works if the breakage is due to an accident, which corresponds to an unpredictable event outside the insured. The mobile device that escapes your hands and breaks will not be guaranteed, unless the fall is due to a stampede in a public place for example.
The contract may set limits for intervention:
- number of claims (e.g. 2 claims per year)
- or intervention ceiling (e.g. €400 per year for telephone),
- or geographical limits (coverage limited to France for example).
However, this type of contract can also compensate you for the new value of the device, without applying a haircut and taking into account the aging of the device.
The contract for a set of mobile devices must comply with the general rules of insurance contracts, in particular as regards the withdrawal period.
It can be purchased from an insurer, a bank or a telephone company.