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What Is a Mobile Insurance Plan?
A mobile insurance plan protects your smartphone against unexpected damage, theft, and expensive repair costs. Modern smartphones contain high-value components such as OLED displays, camera modules, processors, and batteries that can be costly to repair if they fail or get damaged.
Mobile insurance helps reduce financial risk by covering common problems such as accidental drops, liquid damage, screen breakage, internal hardware malfunction, and theft incidents. Instead of paying the full repair cost, users can file a claim and receive repair support or reimbursement depending on the insurance plan.
DigitInsure mobile protection plans are designed for both new and used smartphones, providing coverage for popular brands including Apple iPhone, Samsung Galaxy, OnePlus, Vivo, Google Pixel, Motorola, Redmi, and Realme devices.
Plan 1 – Comprehensive A to Z Damage & Theft plan.
Covers A to Z mobile parts damage physical/accidental/liquid including display & Theft/Burglary/pickpocket/snatching by any means.
- Accidental Screen Damage Covered.
- Physical & Water Damage Covered.
- Back Screen Damage, Camera Damage.
- Any parts Damage Covered Internal or External.
- Burglary & Robbery Covered.
- Unlimited claim upto invoice value.
- Zero Claim Processing fee. No hidden charges.
- Extended warranty for above 12 month old mobile.
- Emergency Assistance Covered.
Plan 2 – Regular Insurance: Covers only my mobile screen/display damage by any means & Theft by any means.
- Covers only mobile screen damage by any means, Claim up to invoice value
- In case of Theft/Snatching/Burglary : refer above point.
- For more details on plan click here
Why Mobile Insurance Is Important
Smartphones have become essential tools for communication, work, banking, entertainment, and personal data storage. When a device gets damaged or stolen, replacing or repairing it can cost thousands of rupees.
- Premium smartphone screens can cost ₹15,000–₹40,000 to replace.
- Water damage repairs may require multiple component replacements.
- Theft or loss may require purchasing an entirely new device.
- Manufacturer warranties usually do not cover accidental damage.
Mobile insurance helps protect your investment by covering these unexpected events and providing financial protection for smartphone users.
Key Features of DigitInsure Mobile Insurance Plans
- Coverage for accidental damage such as drops and screen cracks
- Protection against liquid damage caused by water or spills
- Theft coverage including burglary, pickpocket and snatching
- Coverage for internal hardware issues and component failures
- Protection available for both new and used smartphones
- Affordable yearly insurance plans depending on device value
- Simple online claim process with minimal documentation
- Support for multiple smartphone brands and models
How to Claim Mobil Insurance insurance
We have the easiest and hassle free claim process with Zero Processing fee or any hidden charge all cost are included in the plan Follow the three step of claim.
- Login to My Account section.
- Click to Claim Option.
- You will receive a claim form fill the form and send it.
How to Log In to My Account.
Check your registered email which we have sent during purchase of Insurance.
Claim Option
- Self Repair Option
- DigitInsure Repair Option
- Door Step Repair Option
Self Repair Option
The Easiest Way to Claim, You have to go to the respective brand service center to get estimate for Replacing damaged parts or Full Replacement and same you have to inform us,
After informing you will get 50% of Estimate Amount Instantly to start the Replacement, Remaining refund will be given after the final bill submission within 2–3 days based on your orignal mode of payment which you have used during purchase of protection plan.
You have to provide a genuine bill of replacement to request for refund any misuse of service agreement will result in cancellation of plan.
DigitInsure Repair Option
We will arrange free pick–up and drop–off for your device, It will take Minimum of 2 day & Maximum of 4 days based on the component availability to get your damage replacement or Replacing full Mobile,
All cost are covered by DigitInsure based on your Insurance plan.
Door Step Repair Option
Our service Partner will visit to you location and They will do the Service in front of you no need to pay any Processing fee or any hidden charge all cost are included.
Extended Warranty
What is covered
Display/touch
- Faint display, barely legible. Backlight
- Ghost touching
- Touch failure (line of touch not working)
Charging Port
- No longer charging
- Loose connection when plugged in
- Those with a headphone jack as a part of the charging port assembly, it no longer functions
- Water sensor failure when none has been introduced
Rear Camera
- Does not focus
- Shakes
- Vibrates
- Entirely black/ not turning on
- Neon colors
Front Camera
- Does not focus
- Shakes or vibrates
- Excessive blurriness that is not the result of a dirty lens.
- Not centered in lens, reducing visibility
Buttons
- ‘Sticky’ or stuck buttons
- Doesn’t click
- Click but doesn’t actuate function
- Multiple clicks
NFC Failure
- Does not register ApplePay / Samsung Pay
- Wireless charging may not work (usually same part)
Bluetooth / Wi-Fi / Service
- Trouble connecting
- Wi-Fi button won’t switch on
- Dropping constantly, even at a close distance
Microphones / Speakers
- No output or input
- Other people cant hear me on the phone
- Crunchy
- Echo
Battery
- Issues charging
- Battery icon seemingly has a mind of its own
- Randomly turning off
Who Should Buy Mobile Insurance?
Mobile insurance is recommended for users who depend heavily on their smartphones or own high-value devices. It is particularly useful for:
- Premium smartphone owners (iPhone, Samsung flagship models)
- Students and professionals who use phones daily
- Travelers and commuters who carry phones frequently
- People using expensive foldable smartphones
- Users who rely on phones for work or online payments
If your smartphone is an important part of your daily life, protecting it with a mobile insurance plan can help prevent unexpected financial losses.
Mobile Insurance vs Manufacturer Warranty
| Feature | Manufacturer Warranty | Mobile Insurance |
|---|---|---|
| Manufacturing defects | ✔ Covered | ✔ Covered |
| Accidental damage | ❌ Not covered | ✔ Covered |
| Liquid damage | ❌ Not covered | ✔ Covered |
| Theft protection | ❌ Not covered | ✔ Covered |
| Internal hardware damage | Limited | ✔ Covered |
Why Choose DigitInsure for Mobile Insurance?
DigitInsure focuses on making smartphone protection simple and affordable. The platform provides easy online activation, transparent coverage options, and a straightforward claim process designed for modern smartphone users.
- Affordable insurance plans for various phone price ranges
- Coverage for accidental damage, liquid damage and theft
- Protection for both new and used smartphones
- Simple claim submission process
- Support for multiple smartphone brands
- Coverage for internal and external device components
FAQ – Insurance for Latest Premium Smartphone Models (2025–2026)
Can I insure the latest Apple iPhone 16 and iPhone 17 series?
Yes. DigitInsure covers premium Apple devices including iPhone 16 Pro, iPhone 16 Pro Max, iPhone 17, iPhone 17 Pro, and iPhone 17 Pro Max.
Is Samsung flagship insurance available?
Yes. DigitInsure supports Samsung flagship models such as Galaxy S25, Galaxy S25 Ultra, and Galaxy S25 FE.
Do you provide insurance for premium Vivo phones?
Yes. DigitInsure covers devices like the Vivo X300 Pro and similar flagship models.
Can I insure OnePlus flagship phones?
Yes. OnePlus premium phones including OnePlus 13s and OnePlus 15R are eligible for coverage.
Is insurance available for Google Pixel flagship phones?
Yes. DigitInsure covers premium models such as Google Pixel 10 Pro.
Do you insure Motorola premium phones?
Yes. Motorola flagship models such as the Motorola Edge and Razr series qualify for insurance protection.
Can Nothing premium phones be insured?
Yes. DigitInsure supports flagship-tier Nothing models like Nothing Phone (3a) Pro.
Does insurance cover accidental damage?
Yes. Coverage includes protection for accidental drops, screen damage, and liquid exposure.
Is theft protection included?
Yes. Theft protection is included when documents are properly submitted during claims.
What is mobile theft insurance?
Mobile theft insurance is a protection plan that covers financial loss if your smartphone is stolen. DigitInsure offers theft protection for premium devices across India.
How does mobile theft insurance work?
If your insured phone is stolen, you can file a claim with DigitInsure by submitting required documents like invoice and FIR, after which your claim is processed.
What is the cost of mobile insurance in India?
The cost of mobile insurance depends on your device value and coverage type. Premium smartphones usually have higher insurance costs due to their price.
Is mobile insurance worth it for expensive phones?
Yes. For premium devices like flagship smartphones, insurance helps avoid high repair or replacement costs.
Does mobile insurance cover screen replacement cost?
Yes. Screen damage is one of the most common claims covered under DigitInsure plans.
How much does iPhone insurance cost in India?
The cost varies based on the model (iPhone 14, 15, 16, or 17) and coverage type, including accidental damage and theft protection.
Can I buy mobile insurance after purchase?
Yes. Most insurance plans can be purchased within a limited time window after buying your smartphone.
Is there a deductible for mobile insurance claims?
Yes. A small deductible amount may apply depending on your insurance plan and claim type.
Does insurance cover lost phones?
Some plans cover loss, while others focus only on theft. Check DigitInsure plan details for specific coverage.
What documents are required for theft claims?
You need purchase invoice, ID proof, and FIR copy for theft-related claims.
How long does it take to settle a theft claim?
Theft claims are usually processed within a few working days after verification.
Can I insure multiple phones under one plan?
Typically, each phone requires a separate insurance policy for proper coverage.
Is international coverage included in mobile insurance?
Some plans provide worldwide coverage, but it depends on the policy you select.
Does insurance cover accidental liquid damage?
Yes. Liquid damage caused by spills or exposure is covered under most plans.
Are refurbished phones eligible for insurance?
Yes. Refurbished smartphones may be insured if they meet eligibility criteria.
What factors affect mobile insurance pricing?
Pricing depends on device value, brand, model, coverage type, and claim benefits.
Can I renew my mobile insurance plan?
Yes. Many plans offer renewal options after the initial coverage period ends.
Is mobile insurance mandatory?
No. Mobile insurance is optional but highly recommended for expensive smartphones.
Does insurance cover hardware failure?
Insurance mainly covers accidental and external damage, not internal or manufacturing defects.
How do I choose the best mobile insurance plan?
Choose a plan that offers theft protection, accidental damage coverage, fast claim processing, and affordable pricing like DigitInsure.