Insurance

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1

Hi, Do you know if the phone insurance covers water damage ?

Thank you

2

What do the terms you read when you signed up for it say?

Damage would include water damage I imagine. If in doubt, ask Assurant

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3

Here’s the t’s and c’s:

It doesn’t specifically exclude water damage, but it does have a line about “reasonable care”, so I suspect it depends on the circumstances.

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4

Has anyone made use of the phone insurance, was they easy to deal with ?

I pay fo premium currently but it seems a lot for little benefit especially if the phone insurance doesn’t cover water damage ect. Im interested if other have had experience with them?

5

It covers all damage (except minor cosmetic damage), provided you take reasonable care of your phone.

So leaving it finely balanced on the gunwale of a cross channel ferry in a force 9 gale - probably not covered; Being attacked by an angry gull which rips it from your grip and casually drops it overboard - probably covered.

6

I like to use my phone without a case, would accidental drops / cracks be covered? do you know

7

They don’t have a definition of “Reasonable Care”, so it doesn’t explicitly state you do need a case to be covered. So you’re likely fine for “normal” use - though you could call Assurant to ask - I’m sure they can clarify.

So as long as you are being reasonable it will be covered - but reasonable may be context specific.

8

The terms and conditions have been posted in this thread. Have a read, does it mention a case is required?