Smartphones are for many people probably the most valuable things they have ever.What is dear to us, at least we Germans want to insure.The question remains, with which insurance we do best.CHIP tells you where you get away good and inexpensive.
Yes, insurance nobody employs you.They are regarded as stuffy and complicated – and if in doubt, do not pay anyway.At least, the widespread adoption.Fret insured must but really only if they are not informed in advance.
With the help of the large mobile phone insurance comparison CHIP you will find a tested insurance for Smartphone that will suit your requirements and your budget.Here is the test winner.
The test winner: Reinsurance (7.99 euros / month)
For almost eight month euro can can assure you that, up to 1000 Euros expensive smartphone here.Even otherwise pierce plenty forth positive points: So the insurance covers virtually all claims (eg, fire, fall, short circuit, liquid, operator error) from.Theft is also included – even if it happens at night, what other insurers exclude.Only a faulty battery is not charged Reinsurance.
Also commendable: Reinsurance calls no deductible and reimburse not only the value, but also provides a new device.Another advantage: The insurance can be canceled monthly.You pay the amount at an annual rate, get interdenominational your money back proportionately.
The price-performance winner: Amazon (5.13 euros / month)
How Reinsurance also insured Amazon many claims and omitted Night clause for theft.At one point the seller even goes over Reinsurance addition: Does any unlawful your cell and causes so as telephone costs, Amazon takes this up to an amount of 200 Euro.
However, the lower rate is accompanied by limitations in comparison to the winner.So weather is not recognized damage reason also replaces Amazon only the value.In the first year these amounted to 90 percent of the purchase price, in the second year 80 percent.
Two major negative points: 1. Who wants to Amazon’s insurance, his smartphone must also buy there.2. There is a minimum contract term of 24 months.
You better think
Good think you should buying insurance directly from the mobile operator.So beatTelekom, Vodafone and O2 more moderate here.For about ten or nine euros they each require a high deductible between 60 euros and ten percent of the purchase price.The scope is also partly unsatisfactory.Vodafone has, for example, to steal the night clause in the contract.Such a clause, for example, indicate that the antitheft 22:00 to 6:00 does not apply, the insurance will backfire in this case.
Anyway, you should test each contract to these and similar clauses.Read here what you should consider prior to the conclusion of a mobile phone insurance in any case.