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.
Comprehensive Mobile Insurance Plans by DigitInsure
Modern smartphones are significant investments, featuring high-value components like OLED displays, advanced camera modules, and complex processors. DigitInsure offers robust mobile insurance plans to protect your device against unexpected damage, theft, and expensive out-of-pocket repair costs.
Choose the Right Protection Plan
We offer tailored plans for both new and used smartphones across major brands, with flexible EMI options and zero hidden claim processing fees.
Plan 1: All-Inclusive Damage & Theft Protection
Our premier tier offers complete peace of mind, covering both internal component failures and external physical incidents:
- Full Physical Coverage: Includes protection against accidental drops, liquid spills, cracked screens, and camera module damage.
- Theft Security: Complete coverage against burglary, pickpocketing, and snatching incidents across India.
- Global Protection: Your coverage remains active even when traveling outside of India.
Plan 2: Regular Insurance
Targeted protection covering mobile screen and display damage by any activity, plus comprehensive theft, burglary, and snatching coverage.
Plan 3: Essential Screen Shield
Perfect for users primarily concerned about display damage. Covers accidental screen impacts, touchscreen malfunctions, and full display assembly replacements (OLED/AMOLED/LCD), including front glass.
Plan 4: Total Device Care
Complete accidental damage protection covering screens, liquid spills, cameras, charging ports, speakers, Face ID/fingerprint sensors, and internal hardware components resulting from drops.
Plan 5: Theft & Loss Protection Plus
Dedicated coverage for theft, snatching, and burglary incidents. This plan focuses on financial protection against major loss, including device replacement assistance and IMEI blocking guidance.
Plan 6: DigitInsure Elite 360 Protection
Maximum protection designed for high-value flagship devices (e.g., iPhone Pro Max, Samsung Galaxy Ultra, and foldable series). Combines all accidental damage, liquid damage, theft protection, power surge coverage, and priority claim support.
Mobile Insurance vs. Manufacturer Warranty
Standard manufacturer warranties usually do not cover accidental damage or theft. Here is how DigitInsure bridges the gap:
| Coverage Feature | Manufacturer Warranty | DigitInsure Mobile Insurance |
|---|---|---|
| Manufacturing Defects | ✅ Covered | ✅ Covered |
| Accidental Screen & Physical Damage | ❌ Not Covered | ✅ Covered |
| Liquid & Water Damage | ❌ Not Covered | ✅ Covered |
| Theft, Snatching & Burglary | ❌ Not Covered | ✅ Covered |
Extended Warranty Coverage
For devices over 12 months old, our extended warranty covers mechanical and electrical breakdowns not caused by accidents, including:
- Display: Touch failures, ghost touching, and faint backlights.
- Hardware & Connectivity: Malfunctioning charging ports, sticky buttons, and NFC/Wi-Fi connection failures.
- Cameras: Focus issues, shaking/vibrating lenses, and blank sensors.
- Battery & Audio: Unpredictable battery draining, random shutdowns, and microphone/speaker output failures (crunchy audio, echo).
Hassle-Free Claim Process
Experience a transparent, zero-processing-fee claim process. Simply log into your My Account section, submit your claim form, and choose from three convenient fulfillment options:
- Self-Repair Option: Get a repair estimate from an authorized brand service center. Receive 50% of the estimate instantly to begin repairs, and the remaining balance upon final bill submission (within 2-3 days).
- Free Pick-up & Drop-off: We handle the logistics. Your device will be picked up, repaired, and returned within 2 to 4 working days, depending on component availability.
- Doorstep Repair: A certified service partner visits your location and repairs the device right in front of you.
Frequently Asked Questions
Which premium smartphone brands do you cover?
We provide comprehensive protection for all major smartphone flagships launched within the last 36 months, including:
Apple
Samsung
OnePlus
Google Pixel
Vivo / Oppo
Motorola
Nothing
Xiaomi
What documents are required for a theft claim?
To process a claim for theft, pickpocketing, or burglary, you must submit a copy of your original purchase invoice, valid ID proof, and an official police FIR. Verified claims are typically processed within a few working days.
Does the insurance cover accidental liquid damage?
Yes. Liquid damage resulting from accidental spills, rain exposure, or drops into water is fully covered under our comprehensive plans (Plans 1, 4, and 6).
Can I buy mobile insurance after purchasing my phone?
Yes, most insurance plans can be purchased within a limited time window after buying your smartphone. We also offer extended warranties for older devices.
Is there a deductible for mobile insurance claims?
A small deductible amount may apply depending on your specific insurance plan and the type of claim filed. However, we do not charge hidden processing fees.