Mobile Phone Insurance: Does It Cover Damage Caused By Rains?

Smartphones have become an indispensable part of daily life these days for many people. It is common to take it everywhere you go. While the monsoon has provided respite from the heat of the summer, what will you do if the rain damages your phone?

Opting for a mobile phone insurance plan could be crucial to protect your smartphone against any rain-related damage. It typically provides coverage for theft and damage to a phone.

Can you claim insurance if your phone is damaged due to rain during the monsoon? Here are the intricacies you must know before raising an insurance claim against any damage to your phone in the monsoon.

Whether your mobile insurance covers damage due to monsoon depends on your insurance policy. Usually, mobile insurance policies cover accidental damage due to exposure to water and this includes monsoon-related water damage. 

However, the specifics vary across insurance firms. Therefore, it is crucial to check the terms and conditions of your policy thoroughly before purchasing an insurance plan.

The following cases are likely to be covered if a phone gets damaged due to the monsoon:

• Water Damage: Your phone could be damaged if it is accidentally exposed to rain. In such a scenario, a mobile insurance will likely cover repair or replacement costs.

• Accidental Physical Damage: A cracked screen or damaged body due to a fall during rainy conditions is generally covered by most mobile insurance policies.

• Malfunction Due To Moisture: Some policies cover internal damage caused by humidity during the monsoon.

• Act Quickly: You must report the damage to your insurance provider as soon as possible. You can contact them through their app. 

• Document The Damage: Take clear photos or videos of the damaged phone. You can also make a video of the phone malfunctioning.

• File A Claim: You can visit the insurer’s website, app, or call their helpline to initiate the claim process. You will be required to provide documents such as proof of purchase, insurance details, photos of the damage and a description of how the phone was damaged.

After your claim is processed, the insurer will either approve your phone for repair, provide a certain monetary compensation, or pay for replacing your phone. The exact response depends on your insurance policy. 

To conclude, it is important to take care of your phone during the monsoon. You must review your phone’s insurance coverage, understand the terms and take preventive measures to minimise risks. If the phone is damaged due to monsoon, you must immediately file a claim and follow the process diligently.