Got the latest flagship mobile phone? Make sure to secure it with mobile phone insurance! Even if you follow strict protective measures, you never know what may happen to your mobile phone — it may get damaged, lost, or stolen!
Avoid losing hundreds of dollars! Cover your phone from any unforeseen events with mobile phone insurance. Take a look at the best mobile phone insurance policies from NZ’s leading providers.
Mobile phone insurance covers a wide variety of circumstances. This includes but are not limited to:
Aside from these fixed damages, you can also add inclusions and extras. Depending on the insurance provider, your options may vary. Nonetheless, here are some of the most common extras for your mobile phone insurance.
As great as mobile phone insurance gets, there’s a limit to your coverage. Generally, this is stated and discussed upon signing up for a policy. Otherwise, it’s indicated in the fine print of your policy, so it’s best to read through those first. These are the usual circumstances that aren’t covered by mobile phone insurance.
As a general rule, the value of your cover depends on the value of your phone. A comprehensive mobile phone insurance is great for the latest phones like the iPhone 12 series or the Samsung Galaxy Note line-up. Consequently, basic coverage is ideal for older phones, which may contain personal, professional, and confidential information.
The great news is mobile providers such as Vodafone and Spark offer mobile phone insurance alongside their mobile plan. Specialised insurance companies also feature great coverage in their policy. While most providers only sell it whenever you buy a new phone, they also have a policy for your existing mobile phone.
Get a side-by-side comparison of the best mobile phone insurance from different NZ and mobile plan providers. Only Spark and Vodafone have set mobile phone insurance. Other companies like Cove, Kogan, and Skinny offer a personalised policy, so it’s best to ask their helpdesk for a quote that suits your needs.
|Monthly Cost||Excess||Global coverage||Unauthorised costs|
|Spark||$11.95 or $15.95||$150 or $195||Yes||Up to $1,000|
|Vodafone||$15.50||$200 or $350||Yes||Up to $1,000|
The more expensive your mobile devices, the more expensive your excess will become. For example, Spark imposes an excess of $150 per claim for phones with a recommended retail price (RRP) of below $800. Phones costing above $800 RRP have an excess of $195 per claim.
For Vodafone, they have an excess of $200 for the first claim ($250 for the second claim) within 12 months for phones valued below $1,801 RRP. Phones costing between $1,801-$2,100 RRP have $350 excess for the first claim ($400 for the second claim) within the first year.
Did the phone thief use your phone to make phone calls and text, surf the internet, or even use your mobile banking? These are called unauthorised costs. Both Vodafone and Spark promise coverage for this. If you also want this in your policy, it’s best to contact your mobile plan provider or insurance company to have a quote ready for you.
For almost every Kiwi, mobile phones have become a daily driver. That makes mobile phone insurance more important than ever! Secure your mobile phone from any possible damages and unforeseen events like loss or theft. Get mobile phone insurance from your mobile plan provider or insurance company.
If your mobile provider doesn’t offer mobile phone insurance, it may be the best time to switch providers now! Compare the best mobile plan for you here at glimp!
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