Top 5 Mobile Phone Insurance Companies In India

What is your first fear when you accidentally drop your phone? Fingers crossed, you hope that your screen has not been damaged or cracked. Among the most common damages to mobile phones today, screen damage seems to be one of the most common.

Mobile insurance has become equally essential as having a smartphone these days. Smartphones are an integral part of our life and we happen to depend on them for various purposes, including communication and business. In such a situation, losing or damaging a smartphone can create big problems. Thus, we can opt for mobile insurance to get financial support in case of theft or accidental damage to our phone. Yes, mobile phones do come with a warranty but they are not of any use because they only cover hardware or software problems and such problems are usually not caused by the users' end. But, before choosing the right mobile insurance company we need to understand why we need it.

Need for Mobile Insurance

One may not find it necessary to get insurance for a mobile phone but trust us it will surely go a long way and save you from financial losses related to its theft or damage. Here, we will help you understand the need for mobile insurance which can help tackle various situations.
  1. Theft Protection You rarely recover your stolen mobile phone. And above all, you also lose your data with the mobile. So, financial loss and data loss come all together adding much to your distress. It is very much sensible to opt for mobile insurance.

  2. Accidental Breakage Protection Mobile phones are quite expensive these days, and repairing any type of damage can be quite costly. The fact that mobile insurance provides coverage against breakage makes it a good decision.

  3. Water or Liquid Damage Cover A mobile insurance policy covers accidental damage to a phone caused by water or other liquids. Moisture or humidity can also damage a mobile phone, and it is usually covered by insurance.

  4. Covers High Repair Cost The cost of repairing expensive phones such as those from Apple, Samsung, OnePlus, etc., would be high. If you want to avoid paying hefty amounts for phone repairs, you should take out mobile insurance.

  5. Protection For Loss of Phone You can't get any compensation under warranty if you have lost your phone. You will, however, receive compensation up to the sum insured amount under mobile insurance.

You are at the right place if you are looking to insure your costly smartphone because not all companies provide insurance while selling a phone. We have compiled a list of the top 5 phone insurance in India that you can choose to cover your phones.

#1 Syska Gadget Secure Mobile Insurance

Syska Insurance
Syska Gadget Secure is an insurance plan that you may want to consider for your smartphones. This insurance plan also offers blocking, device tracking, and antivirus protection in addition to insurance coverage. New phones can only be insured. Liquid damage, fire damage, and theft are all covered under this insurance. Syska Insurance also protects your data by backing it up on cloud servers. Your personal data like photos, videos, contacts, and call logs can be recovered from cloud servers securely. Getting covered will require you to purchase the Syska Gadget Secure insurance kit. It will be necessary for you to register the smartphone within 48 hours after purchasing it.

#2 Acko Phone Insurance

Acko Insurance
Another good mobile phone insurance that you can buy right now is Acko Mobile Insurance. Acko offers insurance when you purchase a mobile from Amazon. The new devices are the only ones that can be insured with Acko mobile insurance. Second-hand or refurbished devices are not eligible for insurance.

Acko mobile insurance covers liquid damages and physical damage resulting from an accident. It also covers screen damage. Some things are not covered in the insurance, such as theft of the device, loss of the device, damages reported after seven days, and damages done to accessories, such as SIM and memory cards.

#3 Onsite Go

Onsitego Insurance
Onsite Go is the next mobile insurance company on the list. Unlike other insurance policies, this one also covers digital cameras, air conditioners, laptops, televisions, and other electronic devices. The protection plan can be purchased from the company or Amazon. A variety of insurance plans are available, including extended warranties, screen protection, and spills and drops coverage.

Screen protection covers screen repairs until the end of the insurance period. Physical damage to your phone caused by spills and drops will be covered by the insurance company. This plan must be bought on the same day that you purchase the phone if you want to take advantage of it.

An extended warranty plan covers only software and hardware defects caused by the manufacturer, not by the user.

#4 OneAssist Mobile Insurance

One Assist Insurance
If you are looking to protect your smartphones against breakages, and physical damages, OneAssist is one of the best mobile phone Insurance available in the market. OneAssist also offers an extended warranty for your phone. It also gives you insurance against theft for limited plans.

Along with free doorstep pick-up and drop service for your smartphone, OneAssist also offers 100% cashless repair. What else you can ask from an insurance company for your smartphone?

You do get a hassle-free claim experience with it. The OneAssist support team is available 24 hours a day, seven days a week to assist users with their problems. The OneAssist mobile insurance will cover your phone damages if you are looking for reliable mobile insurance.

#5 Airtel Secure Mobile Insurance

Airtel Insurance
Airtel Secure Mobile Insurance is another phone insurance provider we have on our list. Airtel Secure offers a plan for any of your mobile that is less than one year old from the date of invoice. But to avail of this, you need to be an active subscriber of airtel postpaid, and also if your try to switch from postpaid to prepaid your plan will get void.

All the accidental damages and liquid damages to the smartphone are also covered by insurance. The insurance can be activated through the My Airtel app and it will be valid for a year.

So, these were some of the mobile phone insurance providers in India that you can opt to secure your expensive smartphones. However, it is also advisable to be more cautious about using your phone properly apart from taking an insurance plan for your device.


Guest Author: Manoj Dubey12 Nov 2022

Best insurance company is ora policy. My experience with ora policy was smooth and hassle free. Get free replacement of my iPhone 13 pro in 3 days.

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