Cell phone insurance: everything you need to know before purchasing

Hire a cell phone insurance It is still a subject that generates some controversy among users.

This is because, on the one hand, we have those who consider this an essential service, on the other hand, we have those who believe it is unnecessary or even a waste of money.

But which of these views is right? And, if we consider that it is worth it, what points should be analyzed in this choice?

Today we will talk a little about this subject, in order to find the answers to the main questions and thus discover if it is worth hiring the service.

So, if this is exactly what you need, keep reading!

How does cell phone insurance work?

Taking out cell phone insurance is still something that faces some setbacks in the market, especially when it comes to consumer opinions.

This is because we are used to believing that insurance should be taken out for high-value durable goods, such as vehicles or real estate.

And, considering that the average price of a cell phone does not usually exceed R$3,000.00, with an average useful life of 2 years, this asset may not meet the requirements that many consider important when taking out insurance.

But, on the other hand, we have to consider some important points that make cell phone insurance interesting:

1. High rate of cell phone theft;
2. Installments: stores have been approving purchases in more and more installments, even reaching 48 times, so to compensate, the cell phone must be kept for this entire period;
3. Possible breakdown at any time: any device may require maintenance or even break down by accident. In this case, insurance can help.

Therefore, we cannot deny that cell phone insurance is a useful service, so if you can afford it, it won't be a waste of money.

Cell phone insurance when purchasing the device: necessary precautions 

By now you understand that cell phone insurance has many advantages, so taking it out is far from useless.

However, another controversy surrounding this subject is precisely the cell phone insurance that is usually included when purchasing devices.

In this case, many people when buying new devices notice that the attendant included insurance on the invoice without notifying them.

The big problem with this practice (besides being absurd) is that the customer often has no information about the insurance company, much less about what is included in the service.

Therefore, most of the time people notice that the insurance covers practically nothing when they try to use it, therefore, it is of no use.

Therefore, we recommend that you always pay attention, and if you want to take out insurance immediately, first check what is covered and the insurer's reputation.

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What to consider before taking out cell phone insurance?

To conclude today's content, we just need to talk about some items that you should analyze before choosing to take out cell phone insurance.

These tips will help you hire a more efficient service that really offers you the ideal coverage. Check them out below.

1. Coverage 

The main reason why many customers do not take out cell phone insurance is the coverage.

This is because some options on the market only cover breakage, while others cover robberies and thefts, and finally, we have those that cover both problems and a few others.

Therefore, carefully evaluate the insurance company's proposal in order to decide whether the amount charged offers you the ideal cost-benefit.

2. Deadline 

Do you remember that we said that one of the reasons that justifies taking out cell phone insurance is precisely the extended installment plan that we currently have in stores?

But let's suppose you paid in 24 installments, but the insurance only covers you for 12 months. In this case, the term will not be enough to justify the expense.

Furthermore, insurance for just 6 months, for example, may not be that useful, especially if you tend to keep the same device for a long time.

Therefore, carefully evaluate your use in order to find the most advantageous insurance proposal that offers you support for as long as possible.

3. Market values 

There are several cell phone insurance proposals on the market, as this is a very common service for insurance companies.

Therefore, before closing a proposal, check the average market prices in order to find the best possible cost-benefit.

Remember that the lowest cost is not always the most advantageous, after all, low price and low coverage do not bring many benefits.

So, carefully evaluate your needs in order to find the offer that best suits your day-to-day needs.

Search for proposals!

Finally, now that you know the advantages of cell phone insurance and how to choose the best proposal, all that's left is to start your research.

As we explained, the market has many options, so look for reliable insurance companies that offer the necessary support for your case.

This way, your device will certainly be safe for much longer!

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