Currently in a country like the one we live in, there are more than 60 million cell phones, according to the results of the “ENDUTIH”, this is the National Survey on the Availability and Use of Information Technologies in Homes; With this, it can also be detected that the theft of these devices increased in the last two years, since more than 900,000 mobile phones have been stolen, this is according to the figures provided by Anatel, the National Telecommunications Association, for this reason the need to hire any of the cell phone insurance.
This is one of the main reasons why many insurance companies, telecommunications and banking institutions offer policies, capable of protecting the cellular device against damage or in case of fraud and theft. Some of the coverage they offer range from compensation to replacement.
cell phone insurance
Cell phone insurance is a new topic that few people know about, it is possible that the subject is unknown to you or that you may have little information about it, regardless of whether you know a lot or a little, it is most likely that you are interested because you have a cell phone, knows how this service operates, who offers it, under what conditions it can be contracted and, above all, what the rates are.
You can consider this so that you can consider hiring one, but above all this is the correct one according to your needs; the number of users who have mobile devices has grown exponentially around our country, since at the beginning of the year 2000 it had 14 million cell phones in the national market, however this is relevant since if we take into account that Parallel to this increase, their theft has become one of the main criminal acts.
During the following years, only in Mexico City, telephone companies received 156 thousand 681 reports of stolen cell phones, this means that on average they can steal 430 cell phones a day, and that is that in the first two months of last year, the figure was 19 thousand 301 devices stolen, an average of 332 devices per day.
Characteristics of Cell Phone Insurance
Currently, the offer of cell phone insurance is characterize by the association of some insurance companies or the telephone companies themselves, of other insurers that little by little begin to offer insurance, if not an additional service.
Some of the most common characteristics, so you should know about cell phone insurance:
- Most coverage can be find nationally, typically covering one to two events per year.
- There are telephone companies that do not offer insurance, but rather an additional service such as Iusacell and Nextel.
- It is necessary that you know that a common requirement to make the policy valid for theft is the complaint before the Public Ministry.
- There are financial institutions that request a grace period, that is; the date from which the insurance already covers you for a claim.
- You should know that some have theft without violence or loss as exclusions.
- In general, the compensation is determined base on the value of the cell phone in the market considering the depreciation for its normal use and wear. Depending on the insurance, it can be pay in currency or another device with similar characteristics.
- There are policies in which costs covered by the manufacturer’s warranty do not apply, such as manufacturing defects or damage.
- Usually to perform the IMEI block (International Equipment Identity Code) and the note or phone bill for compensation.
Cell Phone Insurance Coverage
Cell phones are an asset that they appreciate, so it is important that we can have a suitable device, since in it we keep all the information we need at hand, such as the contacts of our family and friends, in addition to personal or registry information. of our best moments, but they also have the highest rate of theft in cities, which is why having cell phone insurance, as they have the highest rate of theft in large cities.
Coverage that protects cell phone theft
The Company must pay the amount established in the policy if the mobile phone is violently stolen, for this, the policy holder must file a complaint with the Public Ministry, which is provided in the required information, in addition to the coverage that protects the theft of the cell phone.
This is one of the coverages that does not usually have deductibles, since if it is contract in a bank, but it is also necessary that you consider that it does not cover damage due to loss, theft, loss that comes from a relative or close people, in addition that is in case the mobiles on lease.
In addition, you need to remember that it will not attend if the company verifies that the theft was due to the fact that the beneficiary or insured is in a fight or that he may be a participant in a certain act of vandalism, among other specifications that you must consider before hiring.
Cell phone insurance covers fraud
Most cell phone insurance, according to figures revealed by Anatel, a thousand of the same stolen devices have been used to threaten or extort money from other people, this is one of the important reasons, because With this plan, you will indemnify the cost of the calls made by the crooks and it will be valid for approximately 24 hours or until the equipment is blocked.
Material Damage to the phone
This is contracted additionally, which is responsible for protecting against some type of damage to the phone that has occurred accidentally, which is why the insurance company would be provided with an amount that is stipulated for this plan. In addition, you need to consider that in order for the mobile to be protect, the interest party must provide the IMEI number of the phone.
