Summer is coming, and with it, trips to nature, to the pool or to the beach. We would do well to keep our smartphone well protected in a bag or backpack, but the need to take photos and videos as well as record the present moment ends up causing the cell phone to get stained, filled with sand, wet, or dropped. . We can also be victims of robbery, while we move through the most touristy areas of the city we visit. For all these reasons, many resort to subscribing to mobile insurance to protect ourselves from incidents.
There are many companies that provide this type of insurance. On the one hand, specialized electronics centers such as MediaMarkt or Phone House always offer to take out insurance when the user purchases a phone. We can also use the protection services offered by different operators, or we can use the insurance provided by the manufacturers themselves, such as Samsung’s smartphone insurance or Apple’s if we have an iPhone.
We are going to briefly review each of these insurances, trying to guide you as to which options may be the best price. On the other hand, do not forget that taking out insurance has its disadvantages, and to be well informed, you can read our article about its disadvantages.
Mobile carrier insurance
Among the telephone companies that offer mobile insurance, we will review the proposals of Movistar, Orange, MásMóvil or Vodafone.
Movistar Mobile Insurance
From the blue operator they assure that we can take out insurance for mobile phones or tablets from 1 euro per month, in addition, with an active promotion where you can get a free month. Its price per month will depend on the specific mobile model, however, for this comparison we will use the same phone for all services. Choosing a recently purchased Samsung Galaxy A35 5G (the purchase date also counts in the calculation), with a price around 329 euros in various stores, we obtain that the all-inclusive insurance would cost us 5.99 euros per month (5. 60 if it is just accidental damage insurance).
This all-inclusive policy will protect us from accidental damage and theft, and according to Movistar, the exclusive benefits of its insurance are: device replacement, use of original spare parts and express service.
Orange Mobile Insurance
In the case of the French brand, Orange mobile insurance, provided by the insurer Zurichinclude:
- Theft or robbery
- Accidental damage
- Fraudulent calls – up to 2,000 euros
- Global coverage
- Warranty extension after the third year
Continuing with the comparison, given that a Galaxy A35 5G is in the range of 251-450 euros in the Orange table, the monthly price is 6 euros per month, plus the extra payments of 30 or 60 euros that would have to be made in case of requesting repair or replacement, respectively.
Vodafone Care
Following the same procedure with Vodafone, we do not find the Samsung Galaxy A35 5G model among the list of accepted devices. Instead we proceed with the A34 5G, and in this case, Total Protection costs us 8 euros per month (only 5 euros if it is accidental insurance). Its Total Protection includes the following benefits or guarantees:
- Liquid damage
- Screen breakage
- Accidental damage
- Global coverage
- Pick up and delivery at home
- Original parts and official technical service
- 100% online management and telephone support
- Theft or pickpocketing
- Fraudulent calls – up to €500
Vodafone also offers, in exchange for a more demanding fee of 10 euros per month, a Vodafone Care Max guarantee, which in addition to theft or fraudulent calls, includes:
- Unlimited claims against Accidental Damage
- Access to our Vodafone Tech Expert app
- 100GBs of Cloud Storage
Manufacturers Insurance
Samsung Care+
The insurance offered by the South Korean brand Samsung for its smartphones also offers compensation for accidental damage or theft, as well as:
- Repair due to liquid ingress
- Hardware repairs
- Battery replacement
- Broken screen
All of this, with national coverage, free home pickup and personalized attention, as indicated on their website. Since the Galaxy A35 does not appear in its list of devices, taking into account the prices for the A34, we obtain that one year of theft insurance would cost 35 euros, that is, 2.91 euros per month. If this case is generalizable, we would obtain that, for a Samsung phone, the ideal option could be to take out the brand’s own insurance, instead of one from a third party.
AppleCare+
This is Apple’s own service to protect its devices from accidental damage. As is usually the case for this type of product, you should read the instructions carefully. conditions and the cases in which we will have to pay some extra, but in general, it is valuable to purchase if we buy a new iPhone: from 4.49 euros per month, we can obtain:
- Coverage for Apple-certified repairs and support
- Priority access to technical support
- Unlimited number of incidents for accidental damage (with some conditions)
- Battery repair coverage
Be careful, if in addition to accidental damage we want to insure the iPhone against theft, we will have to make sure to take out the specific policy for this case, called AppleCare+ with theft and loss coverage.
Mobile insurance from specialized centers
MediaMarkt Insurance
MediaMarkt department stores offer insurance for accidental damage, and also against theft with the Total Protection plan. For a phone costing 330 euros, accidental protection could cost us nothing, according to the seeker from MediaMarkt, for about 10.19 euros per month. A fairly high price compared to other companies.
Phone House Insurance
Phone House’s accidental damage policy is cheaper than MediaMarkt’s but not by much: 9 euros per month with one month free is the offer that its calculator. The benefits of your insurance are:
- No permanence
- International coverage
- Unlimited claims
- Any type of damage
- Personalized management in store
- Theft and robbery coverage (with the comprehensive plan)
