Having a mobile is the most common in these times. Depending on your needs, but above all on your budget, you will have one or the other model. However, many stores offer you mobile insurance that is up to you to decide whether to take it or not. Today we are going to give you the reason why you should not hire him.
And yes, we want you to save money as much as possible, because this kind of product may not be as essential as it can be with others, such as a house or a car.
What does mobile insurance cover?
This question is essential to check whether or not you have reasons to take out mobile insurance. As we said, many stores offer it to you for a small price, but you have to check their coverage before signing the paper and paying the corresponding cost.
There is something that you should take into account first of all and that is that all manufacturers make something called a guarantee available to users and it lasts two years. Of course, this covers all the defects derived from the manufacture of the phone, such as an error in the operation of the device, screen failures or bad battery behavior.
On the other hand, there is the extension of the guarantee, which is something that the stores themselves can offer you for a small price and that extend this coverage for a small extra period. And later we find the famous insurances that are not different from those that you can contract for your house or vehicle. The coverages are somewhat similar as you will see below
- Water damage
- broken screens
- Some damage to the chassis
- thefts
Is it better to renew the mobile every so often?
At first glance, it seems that smartphone insurance can help prevent certain problems that can happen to you on a day-to-day basis. But the problem of having one is determined by factors such as price. And it is that depending on the store or insurer, even the model of the terminal, you will have some prices or others. You should consider whether it is feasible for you to pay a monthly or annual fee for these services that we mentioned before, although that will be determined by other factors.
According to OCU, the toppings are less than meets the eye and there is a lot of fine print. For example, a robbery with force is covered, but thefts are not (so you will have to buy another new phone on your own). The same goes for bumps and damage, which may not be included, and that’s not to mention broken screens.
If we add this to the fact that users usually change their terminal every three or four years, although if you are very careful you can extend it for more years, this type of product may not be for everyone. If you are from this group, it is likely that you have changed the screen at most once, although it may be that before that happens you have already renewed the terminal for some reason.
And the same happens with the most neglected, those who may renew their terminal within two or three years due to some practically irreparable physical cause. Another thing will be to recover the mobile data, although that is another matter entirely.
