1
Step 1
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
Plan 3 : Essential Screen Shield
Best For: Customers primarily worried about screen damage.
Coverage Highlights
- Accidental screen damage
- Touchscreen malfunction after accidental impact
- OLED, AMOLED and LCD display protection
- Front glass replacement
- Display assembly replacement
- Pickup and drop support
Why Choose This Plan?
The display is often the most expensive and frequently damaged part of a smartphone. This plan focuses specifically on protecting the screen while keeping premiums affordable.
Recommended For:
- iPhone users
- Samsung Galaxy users
- Google Pixel users
- OnePlus users
Plan 4: Total Device Care
Best For: Customers seeking complete accidental damage protection.
Coverage Highlights
- Screen damage
- Liquid damage
- Accidental drops
- Camera damage
- Charging port damage
- Speaker and microphone damage
- Face ID and fingerprint sensor damage
- Internal component damage caused by accidental incidents
Why Choose This Plan?
Designed for users who carry their phones everywhere and want protection against common day-to-day accidents.
Recommended For:
- Premium smartphone owners
- Frequent travelers
- Business users
Plan 5: Theft & Loss Protection Plus
Best For: Customers concerned about theft, snatching, burglary, and loss events.
Coverage Highlights
- Theft protection
- Pickpocket incidents
- Snatching incidents
- Burglary coverage
- Unauthorized possession incidents
- Device replacement assistance
- IMEI blocking guidance
Why Choose This Plan?
Many customers worry more about losing the entire device than paying for repairs. This plan focuses on helping protect against major financial loss caused by theft-related events.
Recommended For:
- Urban users
- Frequent travelers
- Students
- Delivery professionals
Plan 6: DigitInsure Elite 360 Protection
Best For: Customers who want maximum smartphone protection.
Coverage Highlights
- Accidental damage
- Screen damage
- Liquid damage
- Camera damage
- Internal component damage
- Theft protection
- Pickpocket protection
- Burglary protection
- Power surge protection
- Extended protection benefits
- Priority claim support
Why Choose This Plan?
Our most comprehensive protection plan designed for customers who own high-value smartphones and want broad protection against both damage and theft-related risks.
Recommended For:
- iPhone 17 Pro Max
- iPhone 16 Pro Max
- Samsung Galaxy S26 Ultra
- Samsung Galaxy S25 Ultra
- Google Pixel Pro Series
- Foldable smartphones
Why Mobile Insurance Matters in 2026
Smartphones have become one of the most important devices we own. From banking and online payments to work, navigation, photography, and communication, most people rely on their phones every day.
At the same time, smartphone prices have increased significantly. Premium devices such as the iPhone 17 Pro Max, Samsung Galaxy S26 Ultra, Google Pixel Pro series, and other flagship smartphones can cost over ₹1,00,000. Even a simple screen repair can result in a substantial expense.
Mobile insurance helps reduce the financial impact of covered incidents such as accidental damage, liquid damage, and theft, depending on the policy selected.
Common Reasons Smartphone Owners Purchase Insurance
Many customers choose mobile insurance because unexpected incidents can happen at any time.
Accidental Screen Damage
Cracked screens remain one of the most common smartphone issues. A single drop onto a hard surface can damage the display and result in costly repairs.
Liquid Damage
Spilled water, accidental drops into sinks, or exposure to rain can damage internal components and affect device performance.
Theft Protection
Smartphone theft remains a concern in many cities and public places. Mobile insurance may help reduce financial losses in eligible theft situations subject to policy requirements.
Protection for Premium Smartphones
As smartphone technology advances, repair costs often increase. Insurance provides an additional layer of financial protection for expensive devices.
Who Should Consider Mobile Insurance?
Mobile insurance may be useful if:
- You own a premium smartphone.
- You use your device for work or business.
- You travel frequently.
- You rely heavily on your phone every day.
- Replacing or repairing your device would create a financial burden.
Who May Not Need Mobile Insurance?
Mobile insurance may be less important if:
- Your phone has a low replacement value.
- You rarely use the device outside your home.
- Repair costs would not create financial difficulty.
- You prefer to self-fund repairs and replacements.
Popular Smartphones Covered
Mobile insurance plans may be available for many popular devices, including:
- Apple iPhone 14 Series
- Apple iPhone 15 Series
- Apple iPhone 16 Series
- Apple iPhone 17 Series
- Samsung Galaxy S24 Series
- Samsung Galaxy S25 Series
- Samsung Galaxy S26 Series
- Google Pixel Smartphones
- OnePlus Smartphones
- Vivo Smartphones
- Oppo Smartphones
- Xiaomi Smartphones
- Motorola Smartphones
- Realme Smartphones
- Nothing Phones
Why Choose DigitInsure
Choosing the right protection plan is not only about finding coverage. It is also about understanding what protection is available, how claims work, and whether the plan suits your device and usage.
DigitInsure helps smartphone owners explore protection options for a wide range of devices and provides educational resources to help customers make informed decisions.
Transparent Information
Understanding policy benefits, exclusions, eligibility requirements, and claim procedures is important before purchasing any insurance product. DigitInsure aims to provide clear information to help users compare options.
Coverage for Leading Smartphone Brands
Whether you own an iPhone, Samsung Galaxy, Google Pixel, OnePlus, Vivo, Oppo, Xiaomi, Motorola, Realme, or Nothing smartphone, protection options may be available depending on device eligibility.
Focus on Smartphone Protection
DigitInsure specializes in mobile device protection and related educational resources covering smartphone insurance, repair costs, theft protection, accidental damage coverage, and device care.
Easy Online Access
Customers can explore plans, review coverage details, and access information online from anywhere in India.
Our Commitment to Trust and Transparency
DigitInsure is committed to helping smartphone owners better understand mobile insurance, device protection, repair costs, and claim processes.
Our content is designed to provide educational information that helps users compare options and make informed decisions.
Insurance coverage, exclusions, claim eligibility, waiting periods, deductibles, and policy conditions vary between plans and providers. Customers should always review official policy documents before purchasing any insurance product.
Information on this page is intended for educational purposes and should not be considered financial, legal, or insurance advice.
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.
Frequently Asked Questions About DigitInsure Mobile Insurance
DigitInsure Mobile Insurance FAQs
1. What is DigitInsure Mobile Insurance?
DigitInsure Mobile Insurance is designed to help protect eligible smartphones against covered incidents such as accidental damage, liquid damage, screen damage, and theft, subject to policy terms and conditions.
2. Why should I consider mobile insurance for my smartphone?
Modern smartphones can be expensive to repair or replace. Mobile insurance helps reduce the financial impact of unexpected incidents that may occur during everyday use.
3. Which smartphone brands are supported by DigitInsure?
DigitInsure supports protection options for many popular smartphone brands including Apple, Samsung, Google Pixel, OnePlus, Vivo, Oppo, Xiaomi, Motorola, Realme, and Nothing devices.
4. Can I buy mobile insurance online?
Yes. Customers can explore available plans, review coverage information, and complete the application process online.
5. Is mobile insurance available throughout India?
DigitInsure offers protection solutions for eligible smartphones across India, subject to plan availability and eligibility requirements.
6. How do I know if my phone is eligible for coverage?
Eligibility depends on factors such as smartphone model, purchase date, condition of the device, and selected protection plan.
7. Does DigitInsure cover accidental damage?
Eligible plans may provide protection against accidental damage subject to policy terms and conditions.
8. Does DigitInsure cover screen damage?
Selected plans may include accidental screen damage protection for eligible smartphones.
9. Is liquid damage covered?
Coverage may include protection against accidental liquid damage depending on the selected plan.
10. Does DigitInsure provide theft protection?
Certain plans may include theft protection subject to claim requirements and policy conditions.
11. What documents are required to purchase coverage?
Customers may need to provide purchase documentation, device details, and identification information.
12. How do I submit a claim?
Claims can be submitted according to the procedure outlined in the policy documentation.
13. How long does claim processing take?
Claim processing times vary depending on documentation, claim type, and policy requirements.
14. What should I do if my smartphone is stolen?
Report the incident immediately, follow legal requirements, and begin the claim process as outlined in your policy documents.
15. Are refurbished smartphones eligible?
Eligibility depends on the specific device and available protection plans.
16. Can business users purchase mobile insurance?
Yes. Mobile insurance may be suitable for professionals and businesses that rely heavily on smartphones.
17. Can students purchase mobile insurance?
Students with eligible devices may purchase protection plans subject to eligibility requirements.
18. Can I insure multiple smartphones?
Yes. Eligible smartphones may be insured individually according to available plans.
19. Does mobile insurance cover international travel?
Coverage details should be reviewed carefully to understand any geographical limitations.
20. Why do customers choose DigitInsure?
Customers choose DigitInsure because it focuses on smartphone protection, educational resources, transparent information, and coverage options for a wide range of devices.
Apple iPhone Insurance FAQs
21. Can I insure my iPhone through DigitInsure?
Yes. Eligible Apple iPhone models may qualify for protection through DigitInsure.
22. Which iPhone models can be insured?
Coverage may be available for eligible iPhone 14, iPhone 15, iPhone 16, and iPhone 17 series devices.
23. Is iPhone insurance worth buying?
Many iPhone owners choose insurance because repair and replacement costs for premium devices can be substantial.
24. Does iPhone insurance cover cracked screens?
Eligible plans may provide protection against accidental screen damage subject to policy terms.
25. Does iPhone insurance cover water damage?
Coverage may include accidental liquid damage depending on the selected plan.
26. Can I insure an iPhone 17 Pro Max?
Eligible iPhone 17 Pro Max devices may qualify for coverage.
27. Can I insure an iPhone 16 Pro?
Yes, eligible iPhone 16 Pro models may be covered through available plans.
28. Is theft protection available for iPhones?
Selected plans may include theft protection for eligible iPhone devices.
29. Does iPhone insurance cover camera damage?
Coverage depends on the selected plan and claim assessment process.
30. Can insurance help reduce expensive iPhone repair costs?
Many customers purchase insurance to help manage unexpected repair expenses resulting from covered incidents.
31. Does insurance cover accidental drops?
Eligible accidental damage claims may be covered according to policy conditions.
32. Can I insure a newly purchased iPhone?
Yes. Newly purchased eligible iPhones may qualify for coverage.
33. Can I insure an older iPhone?
Eligibility depends on the device age and plan requirements.
34. Is insurance available for iPhone Plus, Pro, and Pro Max models?
Yes. Coverage may be available for eligible Plus, Pro, and Pro Max variants.
35. Why do many iPhone owners choose insurance?
Premium iPhones often have high repair costs, making insurance an attractive option for many users.
Samsung, Pixel, OnePlus and Android Insurance FAQs
36. Can Samsung Galaxy phones be insured?
Yes. Many Samsung Galaxy smartphones may qualify for coverage through DigitInsure.
37. Can I insure a Samsung Galaxy S26 Ultra?
Eligible Samsung Galaxy S26 Ultra devices may qualify for coverage.
38. Is Samsung screen damage covered?
Selected plans may provide protection against accidental screen damage.
39. Can foldable Samsung smartphones be insured?
Coverage may be available for eligible Samsung foldable devices subject to plan availability.
40. Does Samsung insurance cover water damage?
Protection against accidental liquid damage may be available depending on the selected plan.
41. Can Google Pixel phones be insured?
Yes. Eligible Google Pixel devices may qualify for coverage.
42. Is Pixel screen damage covered?
Selected plans may include protection for accidental screen damage.
43. Can I insure a Google Pixel Pro smartphone?
Eligible Pixel Pro models may be covered subject to plan availability.
44. Can OnePlus phones be insured?
Yes. Many OnePlus smartphones may qualify for protection plans.
45. Is OnePlus accidental damage covered?
Coverage depends on the selected plan and policy conditions.
46. Can Vivo smartphones be insured?
Eligible Vivo smartphones may qualify for protection through DigitInsure.
47. Can Oppo smartphones be insured?
Yes. Coverage may be available for eligible Oppo devices.
48. Are Xiaomi smartphones covered?
Many Xiaomi smartphones may qualify for mobile insurance plans.
49. Can Nothing Phone devices be insured?
Eligible Nothing Phone models may be supported depending on plan availability.
50. Why do Android smartphone users purchase mobile insurance?
Many Android users choose insurance because modern flagship smartphones can be expensive to repair after accidental damage, liquid damage, or theft incidents.