Have you bought a new iPhone 16th? Then of course you are very careful with this and you don’t want something to happen with this. However, an accident is sometimes in a small corner: you drop your phone, it slides out of your pocket or water comes over it. The costs for a repair or replacement are often high. That is why it can be smart to insure your iPhone. What options do you have exactly? We explain it in this article.
Through your household insurance
Sometimes your smartphone is insured through your household insurance. But that depends on your coverage. Most standard insurance policies do not compensate any damage to your phone.
Some insurers offer all -risk coverage. This means that damage to your smartphone is sometimes insured. Please note: extra rules often apply. This way you usually pay a deductible and you sometimes have to have the repair done with a connected repairer. Therefore always take a good look at your policy.
“Telephone damage is very often recovered from the household insurance, which has made many insurers much stricter in recent years with the reimbursement conditions for fall and impact of mobile phones,” says Michel Ypma, Woonsverzekeringen expert at Independer. “If your household insurance with additional coverage does reimburse telephone damage, it is usually only about damage caused by your phone.”
Take out separate telephone insurance
Do you want to be well insured against damage, such as water damage or theft? Then you can take out special telephone insurance. You often close it at the store where you bought your iPhone 16th or Phone Subscription have closed, but you can also look online at other providers. What you pay depends on the value of your device and what exactly you want to insure.
Michel Ypma: “Do not just assume that everything is well organized with smartphone insurance. There are major differences between the coverage conditions of insurance, so pay attention to the small print.”
You usually pay a deductible if you report damage. Many insurers also work with the current value of your device.
AppleCare+ from Apple
Apple also has its own insurance: AppleCare+. With this you are insured against damage as a result of an accident. You get fast service and often a replacement device, so that you are not without it during the repair.
For the iPhone 16th, AppleCare costs+ € 6.99 per month or € 139 once for two years. Do you also want to be insured against theft and loss? Then you can take extra coverage. This costs € 9.99 per month or € 199 once for two years.
Good to know: in the event of damage to the screen or the back you pay € 29 deductible. For other types of damage, that is € 99. In the event of theft or loss you pay € 129 deductible.
You can close AppleCare+ immediately when you purchase your iPhone. Have you forgotten that? No problem. You still have 60 days after purchase to arrange it: via your iPhone, online or in an Apple Store.
What is the best choice for you?
Keep in mind that a telephone insurance policy can be quite pricey and you almost always have to pay a part yourself because of the deductible. Therefore, think carefully whether insurance is really necessary for your iPhone 16th.
Do you drop your phone regularly, or would you like to cover all risks? Then insurance is probably a smart choice. But are you very careful, or do you not mind using an older device temporarily if something goes wrong? Then you might better skip the insurance.