Skip to content

Book A 1 Hour Repair

Mail Us Your Device

Open 7 Days

0800 U SMASH

Menu
SMASHED IT logo
Phone & Laptop Repair Shop in Auckland. Fast repairs Apple & Samsung devices.
  • Home
  • Get A Quote
  • Apple
    • iPhone
    • iPad
    • MacBook
    • iMac
  • Android
    • Samsung
    • Pixel
  • Windows
    • MS Surface
    • PC Laptop
    • Data Recovery
  • Liquid Damage
  • Stores
    • Parnell
    • Ponsonby
Close Menu

Mobile Phone Insurance Pros / Cons

In the mid 2000’s making a claim on insurance for device repairs, like a cracked screen or water damage, simply meant you were responsible for disposing of the damaged device and receiving a new mobile phone within a few days. You paid your $200 excess and your premium went up slightly, no biggie you have a new phone after all.

Between 2010 – 2012 insurance companies found the number of mobile phone claims were rising due to an increased supply, being made of glass and therefore more fragile, and people were profiting from their partially faulty devices by on-selling them after they received a replacement. Nowadays the process is far more controlled, if you have a cracked screen the device is repaired and sent back to you.

Here is the current comparison between having your phone repaired privately and via your insurance company.

Private Company:

  • Generally under $250
  • Takes 1 – 2 hours

Insurance Company:

  • $200 – $300 excess
  • You pay a premium + and increase in premium if you claim
  • Send your device in, expect it repaired and sent back after 3 – 7 days.

For most people specific mobile phone insurance is not worthwhile. Why pay a premium when you pay an excess anyway? ask for a loss or theft only plan, this will reduce your premium significantly and cover you for the replacement. The other option is if you have add your phone to your home & contents, that way if you lose your phone its worth making a claim however, if it’s just got a cracked screen then it’s far more economical to use a private company.

Related Posts

maxresdefault

Blog

4 Things To Decide Before Getting Your iPhone Repaired

fantastic-free-apps-feature

Blog

7 Apps To Curb Boredom During The Lockdown

pop up camera phone

Blog

Pop-up cameras and why I think they are a bad idea

Back To Top
SMASHED IT Logo

Parnell

google logoSMASHED ITSMASHED IT
4.7 Stars - Based on 301 Reviews

137 Parnell Rd, Auckland
[email protected]
OPEN 6 Days

 

Ponsonby

google logoSMASHED ITSMASHED IT
4.7 Stars - Based on 101 Reviews

135 Ponsonby Rd, Auckland
[email protected]
OPEN 7 Days

Links

  • Book A Repair
  • Pay By Card Online
  • Data Security
  • Terms & Conditions

WhatsApp us