buy a cell phone In Argentina, it includes a wide range of prices that can reach nearly a million pesos, in the case of the latest iPhone models.
Faced with the danger of suddenly losing investments, major mobile phone companies –Personal, Movistar or Claro- and some insurers offer various policies they provide coverage against theft, loss or even breakage of the screen.
Mobile insurance at Movistar
The telephone company provides the call to 340,000 customers “Movistar Protection”insurance through Assurant Argentina which covers the replacement or replacement of a team in an agile and convenient way.
The price varies according to the insured device and is only available for new mobile phones marketed by Movistar purchased with an associated line.
In case of theft or total destruction, your equipment can be replaced with one that is the same as the one you had or with similar characteristics. paying at the moment 30% of its value of the event.
While in case of accidental damage or failure, the equipment can be repaired paying only 30% of the value of the repair at the time of the event.
During the term of the contract that lasts about 12 months, but renewable; the user can have up to four events including repairs or replacements but with a limit of two replacements.
Personal mobile insurance
With Personal protection more You can insure your mobile against theft, loss, total destruction and breakage of the screen e get access to repair or a new cell phone at a discount according to the registered complaint and the contracted range.
The cost of the service Personal protection more it is fixed and is paid monthly by subscription invoice based on the equipment model: van from 410 to 2,428 pesos depending on the category (Low, Low Premium, Mid, High, High Premium).
The cheapest policy covers models such as Samsung Core A03, Samsung Galaxy Core A01 or TCL L7 + ranging from 30 to 45 thousand pesos. While in the following segments the Moto G100, Samsung Galaxy S21 FE and iPhone 12.
In this way, the Personal customer can access a discount on the price of the new equipment to be replaced, based on the contractual range and based on stock availability. Coverage is provided by Insurance fund SA.
Cellular insurance in Claro
Claro offers its customers in the event of robbery or robbery, accidental damage (total or partial) or mechanical or electrical failure of its equipment, an insurance called Mobile protectionwhich applies from the moment of registration of the service.
Like Movistar, the company offers the same Assurant Argentina insurer, but the monthly price varies based on the value of the equipment covered: they range from 430 to 1300 pesos.
insurance coverage at least two events equipment purchased by Claro per year, which cannot be combined. Accidents range from robbery, theft, accidental damage (total or partial), mechanical or electrical failure.
Before replacement by the Insurance the customer must pay a deductible depending on the event (theft, damage, breakdown).
Claims coverage extends beyond Argentina e it applies all over the world regardless of where the loss occurred; although the replacement takes place only in the country through Claro’s customer service channels.
The user who takes out the insurance has 72 hours. runs from the robbery / theft to make a report / exposure to the Public Prosecutor’s Office and go to the Claro branch to ask for the cell phone to be replaced.
For the rental, the customer must go to a Claro Service Center within 30 calendar days from the approval of the complaint, to make the replacement both for robbery and for theft and damage.
Mobile insurance: what banks and insurance companies offer
In addition to mobile phone providers, others in the insurance industry such as Zurich, Río Uruguay, NaranjaX and Banco Galizia offer your options to protect your mobile investment.
Zurich nowthe insurance policy offers all risk coverage, i.e. theft and accidental damage that is visible or that prevent the device from functioning correctly.
Like most companies, the insurance covers up to maximum 2 events per year both in Argentina and in the rest of the world and does not have a franchise.
In case of theft of any of the contracted devices, the case will be analyzed and the lower value will be paid: the actual purchase price of the stolen equipment on the market and the insured sum corresponding to the contracted plan. Something similar happens in case of damage.
Please note that equipment accessories are not insured (headphones, charger or case).
Service Segurocell (Río Uruguay Seguros – RUS) has a 10% deductible in the event of partial damage to equipment and includes coverage in the event of an accident anywhere in the world.
It covers up to two partial damage events per accident per year (no more than one event per semester). It covers up to one case of theft or total damage per policy.
At the time of the quote, for example, the monthly fee can be found on the insurer’s website and covers all types of telephone regardless of where it was purchased. For example, the 128GB iPhone 13 costs 3,058 per month and is worth 200,000 pesos, when its price in the country is $ 458,392, as published by MacStation.
The cell phone insurance it offers Galicia Bank also applies to customers of Orange X It can be contracted in a few minutes and very easily via Online Banking, the Galicia App and Naranja X Online. It is also sold in branches and through the telephone channel.
The product provides coverage in case of theft of the mobile phone exclusively within the national territory.
Sums insured can range from $ 20,000 (cheapest) to $ 350,000, depending on the channel from which the insurance is contracted. In all cases, charge a deductible of 10%. at the time of the settlement of the claim.
Galicia Bank it places no restrictions on insuring any make and model of mobile phone. The customer, in fact, can insure up to a maximum of 5 lines in his name without a minimum stay.
For Banco Galicia customers the values range from $ 432 per month (the cheapest sum) up to $ 7,560 (for the maximum insured sum of $ 350,000).
While for those of Orange X from $ 432 per month to $ 4,320 (for the maximum insured amount of $ 200,000).
You can also take out a policy via the app Payment market when you buy a phone from the Mercado Libre platform, provided that you request the promotion. From there you not only have access to coverage, but also to notification of the claim, or you can cancel the insurance at any time, as long as you have not used it.
The insurance provides coverage against total or partial accidental damage, screen breakage and robbery or theft. Please note that loss or loss of your mobile phone during shipping, cosmetic damage, theft or damage to accessories are not part of the offer.
In case of suffering some of the accidents, the user must notify it from your Mercado Pago account on any device. Then, the insurer will investigate the claim and, if appropriate, repair the phone or pay compensation.
To use the insurance, Mercado Pago warns him franchise must be paid for. In other words, only the user will have to take care of a small part of the repair or replacement of the device and the rest is paid by the insurer. It is paid with any payment method available in Mercado Pago at the time of filing a claim.
Like the rest of the providers, the Mercado Pago service covers up to two incidents during the term of the policy. While if the mobile is stolen or stolen, we will indemnify it, it will apply only once and the insurance expires.
SL
Source: Clarin
