Always read the policy and evaluate the coverage. “It is important that the person chooses the insurance plan that best suits their needs. The recommendation is to check if the policy provides the coverage you want and if the insurer is regulated by Susep (Private Insurance Superintendence)”, he added.
Insurance costs, on average, 20% to 25% of the value of the device. So, the value may vary depending on the cell phone you have. Another issue that makes the price vary is what you receive if you activate the insurance, some operators do not pay 100% for a new device. Finally, even the region in which you live is evaluated.
Prices range from R$10 to R$200 per month. The simplest models can cost up to around R$10 per month, as is the case with the Samsung A05. Meanwhile, more sophisticated devices, such as the iPhone 15 Pro Max 1024 GB, can cost more than R$200 per month for the insured.
Pay attention to extra values and grace periods. It is worth remembering that many companies still charge an extra amount for the franchise when they are activated. It is also important to pay attention to possible shortcomings, the period until you effectively have protection.
It is important to remember that you do not need to pay for the insurance of the store or cell phone operator where you purchased the device. Nowadays, banks and insurance companies also have plans that can be more affordable, depending on your relationship with the institution.
What types of insurance? Beware of theft
- Theft — is characterized when the person suffers physical, verbal threat or use of brute force (example: assault with a knife, knife or firearm);
- Theft — is identified when the person is not threatened and only realizes that they have been robbed after the fact has occurred. It is important to remember that theft still has two divisions.
- qualified theft — when there are traces of the crime (example: noticing that your cell phone was stolen through a tear in your bag, or a broken drawer, or someone taking your cell phone out of your hand on the street)
- Simple theft — when the person does not notice the theft nor finds traces of the crime.
- Accidental damage — covers the repair of damage resulting from accidental falls, immersion in liquids. Some operators specify in their contracts whether fresh, salty or chlorinated water is included. When it becomes unusable, the insurance company provides a new one.
