How to Insure a Phone After Purchase (Up to 16 Months Old)
TL;DR:
You can still insure your phone after buying it. DigitInsure allows mobile insurance for devices up to 16 months old, as long as the phone is working and eligible. Late insurance protects you from repair costs, theft, and accidental damage.
Can You Buy Mobile Insurance After Purchase?
Yes — and most people don’t know this.
Many phone owners believe insurance must be purchased on the same day as the device. That belief leaves millions of phones unprotected.
DigitInsure allows insurance after purchase, giving users a second chance to secure their device.
If your smartphone is under 16 months old and in working condition, you can still get full protection.
This flexibility is important because most people only understand the value of mobile insurance after experiencing repair costs.
Check your phone eligibility with DigitInsure
Why People Look for Insurance After Buying a Phone
Users usually search for late insurance because:
- They skipped insurance at checkout
- Warranty is about to expire
- Repair costs shocked them
- They saw a friend’s accident
- They realized the phone is valuable
- Theft risk feels real
- The device stores important data
Insurance awareness grows with experience. DigitInsure supports users at that realization moment.
The 16-Month Protection Window Explained
DigitInsure allows insurance for phones purchased within the last 16 months.
This window exists because phones still hold financial value, hardware remains repairable, and users actively depend on the device.
A 10–14 month old phone is still expensive to replace. Insurance protects the remaining usable life of the device.
Think of it as extending your safety net.
Step-by-Step: How to Insure Your Phone Late
The process is simple and designed for convenience:
- Confirm device age (under 16 months)
- Check working condition
- Choose a protection plan
- Activate insurance online
- Stay protected
DigitInsure keeps the process fast so protection begins without delays.
Start your insurance application today
What Late Insurance Covers
Late insurance provides the same core protection as new mobile insurance.
- Accidental damage
- Screen breakage
- Liquid damage
- Theft and burglary
- Fire damage
- Electrical faults
- Short circuit damage
The phone’s age does not reduce risk. Protection remains equally important.
Why Waiting Increases Financial Risk
Every day without insurance is a gamble.
Phones fall, get stolen, get wet, and fail unexpectedly. Most accidents happen during normal daily use — not extreme situations.
Users often regret waiting only after paying a large repair bill.
Insurance works only before damage happens. Late protection is better than no protection.
Common Questions About Insuring After Purchase
Is late insurance more expensive?
No. Premium depends on device value and coverage, not timing.
Can I insure a second-hand phone?
Yes, if the device is under 16 months old and passes eligibility checks.
What if warranty already expired?
Insurance still works. Warranty and insurance serve different purposes.
Does late insurance cover theft?
Yes, when proper documentation is provided.
Is verification complicated?
No. DigitInsure keeps the process simple and digital.
Who Should Strongly Consider Late Insurance
Late insurance is ideal for:
- Users who skipped protection at purchase
- Phones nearing warranty expiry
- Second-hand buyers
- Students and commuters
- Professionals using phones daily
- Parents managing family devices
- Travelers
If replacing your phone would hurt financially, insurance is worth it.
Smart Protection Is About Timing — Not Perfection
Many users delay decisions. That doesn’t mean they should lose protection forever.
DigitInsure believes insurance should be accessible when users understand its importance. The 16-month window exists to give responsible users a second chance.
Protection should follow awareness.
Final Thoughts
You don’t need a brand-new phone to deserve insurance. If your device is under 16 months old, it still holds value.
Late mobile insurance protects that value. Waiting increases risk — acting now restores safety.
DigitInsure makes it possible to insure phones after purchase because accidents don’t care about timing.
Protection should always be available before regret.