Thinking about buying a new smartphone? You should consider insuring it as well. After all, buying a smartphone is an investment. And you may want to protect it.

Why You Should Get Insurance for Your Smartphone

Thinking about buying a new smartphone? You should consider insuring it as well. After all, buying a smartphone is an investment. And you may want to protect it.

Anything can happen. Picture this: you’re drinking coffee with friends with your phone on the table so you can check for messages on WhatsApp, Messenger, Snapchat or Instagram. Suddenly, someone accidentally knocks over their glass. Before you know it, your phone is drenched in club soda, matcha tea or wine. You turn it off immediately. But what then? Rush to the nearest church and pray for a speedy recovery? Placing it in a bag of rice in the hope it dries out will probably be a better option, but this technique is not foolproof (or waterproof, so to speak). If only you had bought insurance!

Do Not Rely on the Warranty Alone

When you buy a brand new smartphone – or any other device – it comes with a warranty, meaning that your phone has some sort of coverage out of the box. A good place to start, no doubt, but a warranty will never be enough. Except in your wildest dreams, no manufacturer will ever cover your everyday life’s mishaps. Insurance, on the contrary, will cover what the warranty doesn’t: water damage, shattered screen, theft, and sometimes even loss.

Phone Cases Don’t Protect Against Everything

The slickest silicone phone case will be no obstacle to water once your beloved device takes a dip in the toilet. The same goes for the protective film you put over your screen: don’t even start to think it will protect your smartphone if it takes a tumble down the stairs. Or even from the back pocket of your pants: if the smartphone falls, say, on one of its corners, and you don’t have a super-rugged case, the impact will break the screen, protection film or not. And then, of course, the most advanced phone case on the market will be powerless against a pickpocket or a mugger.

Replacing is Expensive

Whatever you may need to replace, chances are it will not be cheap. Screens can be quite expensive, especially if your smartphone is integrated with the latest technology. To sum it up: the more expensive the phone, the more expensive the repair. But there is no way you’re going back to a Nokia 3310, even if it does have a distinctive vintage flavour!

Professional (or Compulsive) Users Beware!

If you need your smartphone for professional use, or if you’re so addicted you can’t imagine life without it, you should not take any chances. Get insurance for your phone, as you would for your laptop. The same applies if you cannot afford to buy a new phone out of the blue, or pay for a repair.

Julien Gossé