Since September, the iPhone 14 It is for sale in Spain. The state-of-the-art terminal has a ultra resistant glass screen, which protects the screen up to 4 times better against falls, is stainless steel, includes HDR lighting, 12MP camera and only 173 grams of weight, among others.
With these characteristics and its price, about €1400, the question arises as to whether it is worth hiring a safe for iphone. The company itself offers AppleCare, an insurance policy that covers the repair and replacement of your Apple device.
However, this policy does not have coverage such as theft although, optionally, you can hire them by paying a little more.
Therefore, today we are going to tell you the main insurance coverage for iPhone.
Warranty and AppleCare
It is important to differentiate between a mobile phone warranty and an AppleCare insurance policy. You should keep in mind that you don't need mobile insurance when your device presents factory faults or breakdowns.
According to Law of Guarantees in the Sale of Consumer Goods, from January 2022 you have a 3-year coverage in case your device presents some type of fault or factory failure.
The case of AppleCare+, Apple's own insurance, is different, it costs €8.99 per month for the iPhone 14. Thus, it covers the repair or replacement of the terminal in case of accidental damage and battery damage in case of have lost more than 80% of its capacity.
As with other insurance, the policy has a deductible. In other words, at the time the company processes your claim, it is necessary to pay an extra depending on the element that has been damaged. Thus, a charge of 29 euros will have to be paid if the screen is damaged; 99 euros if it is another element of the mobile phone.
AppleCare+ also does not cover iPhones in the event of theft, theft, data loss, repairs by unofficial agents, and liquid or fire damage.
What coverages exist in iPhone insurance?
The truth is that, despite their security, our mobile devices have many risks that we cannot control: theft, theft, breakdown or accidental damage. These are, in fact, the main coverages that exist in iPhone insurance.
1. Accidental damage
When we talk about damage to your device, we mean accidental damage for your iPhone. Thus, no company will cover damage done intentionally with the aim of obtaining another device.
Clarified this part, insurance covers:
- Broken screen of your iPhone.
- Broken camera.
- Damaged internal components after a fall.
- Liquid damage.
- Battery faults.
- Electrical damage.
- On or off button.
- Other device damage.
In addition, it is important to note that not all companies carry out these repairs with official services and original parts, maintaining the guarantee of your iPhone. That is why it is very important that when you take out insurance for your iPhone, you check that the repairs are carried out by official services with original parts, thanks to which the repair guarantee will be total and your iPhone will not have any incompatibility problems due to the use of components from third parties.
Finally, in the event that the phone could not be repaired, they send you one of the same model as your iPhone that will replace the damaged one.
2. Robbery and larceny
At this point you should be clear about the difference between robbery and theft. In the case of robbery, it is the one that occurs with violence or there is some type of intimidation, and theft is when there is a robbery without violence.
A classic example of theft would be a robber who threatens you and steals your personal belongings, including your cell phone. In the case of theft, the thief takes advantage of any distraction to steal your iPhone without you realizing it.
The companies usually only cover robbery with violence while other insurers, as is the case with Movistar Mobile Insurance, also cover cases of theft, that is, when the robbery is carried out without violence.
3. Fraudulent calls
This is a type of coverage that covers calls made from your own mobile terminal to companies with special rates when your mobile has been stolen.
If thieves have access to your iPhone, they can make these types of calls to steal money from you.
Although not all insurers cover this point, there are some that indemnify with an amount that is usually insufficient in most cases, on the other hand, with Movistar's insurance we have covered up to an expense of €1000 in this type of fraudulent calls.
What is the best iPhone insurance?
One of the most recommended brands of safe for iPhone is Movistar. Movistar Mobile Insurance covers accidental damage, theft, robbery and fraudulent calls made from your device after a theft. It also includes AppleCare + in its coverage, guaranteeing that repairs are carried out at Apple Stores and Apple authorized service providers, being official services, with original parts that maintain the warranty of your phone. They also pick up and send your phone to where you tell them as soon as possible, and if your phone has been stolen they send you one of the same model as yours and with a new SIM card at no additional cost, covering up to €1.000 made fraudulent calls. You can also hire it at movistar.es, in its stores or at 1004. For all these reasons, our recommendation for iPhone insurance is Movistar Mobile Insurance.
