DigitInsure · Mobile insurance
Compare mobile insurance options, understand what different types of cover can mean and check the information you should review before purchasing. The right policy depends on your device, the insured events included and the conditions in the policy documents.
DigitInsure helps customers explore selected mobile insurance options facilitated through its insurance partner. The insurer underwriting a specific policy, its benefits and its exclusions must be confirmed in the offer and policy schedule.
Mobile insurance explained
Mobile insurance is a policy that may provide repair, replacement or financial settlement when a smartphone is affected by an event expressly insured under the policy. Depending on the selected product, insured events may include accidental damage, liquid damage or theft. The exact protection is defined by the insurer's policy wording, policy schedule, limits and exclusions.
Not every policy covers every event. A policy that includes theft should not automatically be assumed to cover a broken screen; a policy that includes accidental damage should not automatically be assumed to cover theft. Check the actual insured events before selecting a plan.
Understand the cover
These are common categories to look for when reviewing a mobile insurance policy. They are not a promise that every plan available through DigitInsure includes each benefit.
Some policies cover specified accidental physical damage caused by an unforeseen event. Check whether screen breakage, impact damage and other repairable damage are included, and review exclusions, limits and any customer contribution.
Liquid or moisture damage is covered only when expressly included. Review the policy definition, exclusions, inspection requirements and documentation needed to make a claim.
A theft policy may cover specified theft circumstances. Check how theft is defined, whether snatching or burglary is included, the reporting deadline and the evidence required. Loss or unexplained disappearance may be excluded.
Important: Accidental damage, liquid damage and theft are separate insured events. Do not assume one includes the others. The policy schedule is the definitive record of the protection purchased.
Available options
The calculator presents the following plan choices. Plan names alone do not describe the full cover. Review the actual benefit schedule and policy wording associated with the option shown for your device before payment.
Review the listed insured events carefully and confirm whether accidental damage, liquid damage, theft or other events are included in the specific policy offered.
Check the exact benefits, exclusions and limits for this option. Do not assume it includes all events available under another plan category.
Review the policy schedule to identify the insured events and claim conditions that apply to this option before selecting it.
Price is calculated from the details entered in the calculator. The applicable premium, taxes, eligibility and policy terms are confirmed through the purchase process and policy documents.
Compare before you buy
Compare more than the price. Two plans can have different insured events, deductibles, claim limits, eligibility rules and documentation requirements.
| What to compare | What you should verify |
|---|---|
| Insured events | Whether accidental damage, liquid damage, theft or another event is expressly covered. |
| Insured value | How the sum insured and claim settlement value are determined, including depreciation and limits. |
| Deductible or excess | Whether a fixed amount or percentage is payable by you for an approved claim. |
| Device eligibility | Supported brand/model, device age, purchase window, invoice and device-condition requirements. |
| Claim process | Notification deadline, claim documents, inspection process and possible settlement method. |
| Exclusions | Events, circumstances, parts or types of loss that are not covered. |
| Insurer details | The legal name of the insurer underwriting the policy and the policy documents issued for the plan. |
Insurance or warranty?
An insurance policy responds to specified insured events when they are covered by the policy. The insurer, insured events, limits, exclusions and claims conditions are set out in the policy documents.
An extended-warranty agreement generally relates to specified eligible device failures or services. It does not automatically insure against theft, accidental damage or liquid damage.
Before you apply
Eligibility depends on the particular product and insurer/provider requirements. The calculator asks for your phone brand, model, invoice value, purchase date, device age and selected plan. The details are used to calculate an estimate and identify the option you wish to purchase; final acceptance remains subject to the applicable checks and policy conditions.
Choose the range that accurately matches your device. Final device eligibility is subject to provider checks and the applicable policy terms.
Do not post your IMEI, invoice or personal documents publicly. Submit sensitive device information only through the official purchase or verification process.
How purchase works
Select your brand, enter your model, invoice value and original purchase date.
Choose the device-age range and one of the available insurance plan options.
Check the calculated price and the one-year validity display before continuing.
Check the device details, selected plan, validity and order amount in the cart and checkout before payment.
Validity: The current calculator purchase flow displays a validity of 1 Year. Confirm the effective policy start date and end date in the policy documents issued for your purchase.
If something happens
Claim deadlines and requirements vary by insurer and policy. Follow the claim instructions in the policy documents and contact the stated claims channel promptly after an incident.
Report the incident through the channel and within the deadline stated in your policy.
Provide the claim form, purchase proof and incident-related documents requested.
The insurer or authorised claims representative reviews the event and supporting information.
Any approved repair, replacement or settlement is handled according to the policy terms and limits.
For theft-related claims: A police complaint or FIR and prompt reporting may be required, depending on the policy. Follow the exact instructions and deadlines in the policy documents.
Read the conditions
Depending on the product, policy exclusions or limitations may relate to:
This is an illustrative checklist, not a complete list of exclusions. The actual policy wording and schedule take precedence.
Straight answers
Mobile insurance is a policy that may provide repair, replacement or financial settlement for specified insured events affecting a phone. The insurer's policy wording and schedule define the actual cover, limits and exclusions.
No. The insured events vary by policy. Check the exact plan schedule to confirm whether accidental damage, liquid damage, theft or any other event is included.
A broken screen may be covered when it results from an insured event included in the selected policy. Pre-existing damage, cosmetic damage and other exclusions may apply.
Only when liquid damage is expressly included in the applicable policy. Review its definition, exclusions and claim requirements before purchase.
Some policies include specified theft events. Check how theft is defined, whether snatching or burglary is included, the reporting deadline and the evidence required. Loss or unexplained disappearance may not be covered.
The calculator offers Full Comprehensive, Non Comprehensive and Regular Insurance. The plan name does not, by itself, confirm the insured events. Review the actual policy information shown for your selection.
The calculator currently presents two choices: 1–4 months and 5–18 months. Final eligibility is subject to the applicable provider checks and policy conditions.
The current calculator displays one-year validity. The effective policy period, including its start and end dates, should be confirmed in the policy documents issued for the purchase.
Possibly. Eligibility depends on the product's device-age limit, purchase window, device condition and verification requirements. Check the result and terms for your specific device.
The invoice may be required to verify the purchase date, device model and value. The exact documentation requirements are stated in the policy or application process.
No. A claim is assessed against the insured event, policy conditions, exclusions, limits and supporting documents. Purchasing a policy does not guarantee approval of a future claim.
The legal name of the insurer underwriting a specific policy should be stated in its policy schedule and documents. DigitInsure's facilitation or distribution role should not be confused with the insurer's underwriting responsibility.
No. Mobile insurance responds to insured events listed in a policy. An extended warranty covers specified faults or services under a separate agreement. Check each product's governing document.
Enter your device details, compare the available plan options and review the applicable policy terms before you buy. The insurer's policy documents define the protection you receive.
Calculate Mobile Insurance PriceFor help with the product or purchase process, visit the DigitInsure contact page. Insurance availability, benefits, eligibility, exclusions, limits and claim decisions are subject to the applicable insurer's policy wording and schedule.
