Difference Between Mobile Phone Insurance & Damage Protection Plan
A mobile phone insurance plan is different from a damage protection plan, although you may suppose both the plans offer the same thing – give your device complete protection. The difference is simple. A mobile phone insurance will cover your phone and give a resolution grounded on the insurer’s decision of your claim, which is grounded on how and where the phone has been damaged. There’s generally a myriad of rules an insurance buyer has to follow to cover his device, failing which his claim for damage could be rejected. A comprehensive damage protection plan on the other hand will cover your phone and give you a resolution irrespective of how and where the phone has been damaged. However, it simply means that the provider’s plans are ensured by an insurance coach, If you see insurance mentioned anywhere in the mobile phone insurance plan. An insurance- backed plan will cover you from the threat of any kind of fiscal loss associated with your phone but depending on how and under what circumstances the phone was damaged. A comprehensive damage protection plan differs significantly from that of an insurance plan because a damage protection plan covers your device irrespective of how and under what circumstances your device was damaged. For case, if you have mobile insurance and unfortunately, you damage your device while driving and talking on the phone, you have a reason to worry about. Your phone won’t be covered by the insurance company because according to them, you aren’t supposed to be talking on the phone while driving. You’ll be held liable for the damage. However, it’ll be veritably delicate to have your phone repaired, unless you pay for it yourself, If the insurance company learns about this. Let’s take another illustration, say your phone is with your friend and it starts ringing. Your friend is at a distance, so he throws the phone and you miss catching it. The phone falls flat and the screen is left damaged. Again, if you recite the exact story to the insurance company, there’s no way you ’re getting a claim because frisbees/ balls are meant for throwing and catching, not mobile phones. So your claim will bed enied. In a damage protection plan the cause of damage doesn’t count. As long as your screen or phone is damaged it’s repaired. At the time when your phone gets damaged and you urgently need to get it fixed, a company’s‘ No Questions Asked’ policy can turn out to be really useful. Not to forget, insurance companies also put their guests through a long and strict process for validating the claim. This may involve onerous demand for attestation, telephonic/ physical checks, deductibles, and indeed after this there may be no service assurance. A Comprehensive Damage Protection Plan on the other hand, requires minimum attestation and gives you complete service assurance. So before you buy a plan, do read the fine print and T&C s to see the nature of the plan and its content terms.
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