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.
DigitInsure Mobile Insurance Plans & Protection Tiers
Safeguard your smartphone against expensive repairs, screen drops, water damage, and unexpected theft. DigitInsure offers tailored protection plans for both new and used mobile devices across India with zero hidden claim processing fees.
Quick Summary: What DigitInsure Offers
- Device Eligibility: New & Used smartphones purchased within 1 to 18 months.
- All Brand Support: Apple, Samsung, OnePlus, Google Pixel, Nothing, Xiaomi, Vivo, Oppo, Motorola, & more.
- Full Coverage: Accidental Drops, Liquid Spills, Camera Failures, Pickpocketing, & Snatching.
- Claim Processing: 100% Transparent with ₹0 processing fee.
- Claim Options: Authorized Self-Repair (50% upfront payout), Free Pick & Drop, or Doorstep Service.
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 display panels, multi-camera arrays, motherboards, and batteries that can cost up to 40%–60% of the phone's total price to replace out-of-warranty.
Mobile insurance reduces financial risk by covering common incidents like accidental drops, liquid submersion, screen breakage, hardware failures, and burglary. Instead of paying heavy out-of-pocket repair bills, users file a quick claim and receive full repair support or invoice value reimbursement.
DigitInsure protection plans are specifically built for both new and old devices across major brands:
Mobile Insurance vs. Manufacturer Warranty
Standard manufacturer warranties only cover internal mechanical glitches and exclude user-induced drops, water contact, or theft. Here is how DigitInsure fills the gap:
| Coverage Feature | Standard Manufacturer Warranty | DigitInsure Mobile Insurance |
|---|---|---|
| Manufacturing Defects & Software Glitches | ✓ Covered | ✓ Covered |
| Accidental Screen & Physical Drop Damage | ❌ Not Covered | ✓ Covered |
| Liquid, Water & Coffee Spills | ❌ Not Covered | ✓ Covered |
| Theft, Snatching & Burglary | ❌ Not Covered | ✓ Covered |
| Worldwide Protection During Travel | ❌ Limited / Varies | ✓ Covered |
Choose the Right Protection Plan
We provide multiple flexible tiers so you only pay for the exact level of protection you need:
Plan 1: All-Inclusive Damage & Theft Protection
Our flagship premier tier offering total protection for internal component failures and external physical risks:
- Full Physical Coverage: Accidental drops, liquid spills, cracked glass, & camera damage.
- Theft Security: Complete cover against burglary, pickpocketing, & snatching.
- Global Protection: Coverage stays active while traveling abroad.
Plan 2: Regular Insurance
Balanced protection focusing on display accidents combined with complete theft security:
- Covers front and back display damage caused by any activity.
- Full theft, snatching, and house/car burglary protection across India.
Plan 3: Essential Screen Shield
Tailored for users concerned primarily with fragile screens and display assembly breakdowns:
- Covers accidental screen impacts & glass cracks.
- Fixes touch responsiveness failure and ghost touching on OLED/AMOLED/LCD screens.
Plan 4: Total Device Care
Complete accidental hardware cover without theft security:
- Covers display impacts, liquid spills, charging port failures, and camera damage.
- Fixes internal hardware short-circuits caused by drops.
Plan 5: Dedicated Theft & Loss Protection
Specialized financial protection specifically for loss due to crime:
- Covers snatching, pickpocketing, and burglary.
- Includes mobile invoice reimbursement (up to 90%) and IMEI blocking guidance via CEIR.
Plan 6: DigitInsure Elite 360 Protection
Maximum protection designed specifically for premium high-value flagships (iPhone Pro Series, Galaxy Ultra, and Foldables):
- Combines physical damage, water damage, theft, and power surge coverage.
- Priority claim support with fast-track processing.
Extended Warranty Coverage for Devices Above 12 Months Old
If your device is older, our extended warranty covers technical breakdowns and mechanical failures that occur during everyday use:
Display & Touch
Ghost touching, faint backlights, barely legible display, or line-of-touch failures.
Charging Port & Power
Loose charger connections, non-charging ports, headphone jack assembly failures, and erratic battery drops.
Camera Modules
Autofocus failure, lens vibration, shaking camera sensors, or completely black camera screens.
Buttons & Connectivity
Stuck/sticky buttons, malfunctioning NFC (ApplePay/Samsung Pay), and dropping Wi-Fi/Bluetooth signals.
Hassle-Free Claim Process with 0% Processing Fee
Filing a claim with DigitInsure is simple, quick, and transparent. Log into your My Account dashboard, click Claim, and pick one of these 3 flexible claim fulfillment options:
- Self-Repair Option (Fastest Way): Visit any official authorized brand service center (e.g., Apple Store, Samsung Care) and get an official repair estimate. Submit the estimate to us to receive 50% of the estimated amount instantly to initiate repairs. The remaining refund balance is paid within 2–3 days after final invoice submission.
- Free Pick-up & Drop-off Repair Option: We arrange free pickup from your address. Your damaged device is safely taken to an authorized service facility and delivered back fully repaired within 2 to 4 working days.
- Doorstep Repair Option: A certified technician visits your home or office location and performs repairs right in front of you without charging any extra fee.
Essential Insurance & Claim Resources
Frequently Asked Questions (FAQs)
Q1. Which smartphone brands do you cover?
We provide coverage for all major flagship and budget smartphone brands launched in India, including Apple iPhone, Samsung Galaxy Series, OnePlus, Google Pixel, Nothing, Xiaomi, Poco, Vivo, Oppo, Motorola, Realme, Infinix, and Asus.
Q2. What documents are required for a theft claim?
To process a theft or snatching claim, you must submit your original purchase tax invoice, a valid photo ID, and a copy of the police FIR or e-FIR filed with your local police portal.
Q3. Does DigitInsure mobile insurance cover liquid and water damage?
Yes, accidental water contact, coffee spills, rain damage, or drops into water are fully covered under our comprehensive protection plans.
Q4. Can I buy mobile insurance for an old smartphone?
Yes, you can buy protection plans for smartphones purchased within the last 1 to 18 months. For devices older than 12 months, we also offer Extended Warranty plans.
Q5. Is there a deductible or claim processing fee?
No, DigitInsure does not charge hidden processing fees or extra claim charges. All terms are transparently included within your plan.