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Do you know how much cell phone insurance costs? With it, you can bring more peace of mind to your day-to-day life and more protection to your assets.
According to an exclusive survey carried out by the Public Security Forum for the Fantastic, 17 thousand cell phones were stolen in the first two months of this year in the capital of São Paulo, 1 every 5 minutes, to be more exact.
In the past, I remember that when we were robbed, our biggest fear was losing our contact list and photos.
However, things have changed. Our lives are on our cell phones. It is with them that we carry out the main tasks of our day to day lives, they have applications for banks, investments, credit cards, personal files, etc.
In the hands of the wrong people, they become a profitable tool for criminals, but harmful to victims.
However, the most precious thing is life, and many people end up losing this thing by reacting to robberies out of fear of losing their device.
Under no circumstances should we react to a robbery with a cell phone insurance You have more peace of mind knowing that you will have another item right away if your current device is stolen.
In today's text you will discover How much does cell phone insurance cost? and which banks offer it! Be sure to check it out!
See below what we will find in this text:
- What is cell phone insurance?
- How much does it cost?
- Which banks offer this service?
- Nubank;
- PagBank;
- Inter;
- Cyclic;
- Conclusion.
What is cell phone insurance?
It is a service offered by insurance companies, operators or companies, in some cases, through banks or financial institutions.
With it, the insured has the peace of mind of being compensated for certain situations that may occur related to their cell phone, for example:
- Theft;
- Qualified theft;
- Simple theft.
Generally, the cell phone insurance do not cover loss of device, physical damage and occurrences outside Brazil.
However, it is still possible to find complete alternatives that cover these unforeseen events as well, as you will see later.
How much does cell phone insurance cost?
The value of this insurance can vary depending on each company and coverage. The more damages it covers, the more expensive it will be.
Normally, the cost of cell phone insurance is annual, but it can be paid in up to 12 installments.
For example, at Porto Seguro, the most expensive cell phone insurance costs R$$899.76. It covers breakage, theft and simple robbery.
The amount is not very high depending on the financial conditions of the interested party, however, it can be paid in 12 installments of R$74.98.
In some insurance companies, the values vary depending on the brand of cell phone, for example, in Pier Digital, one of the best cell phone insurance companies, an iPhone cell phone has insurance starting at R$21.00 per month.
Have you ever imagined buying an iPhone with up to 30% discount?👉 Read the text and see more details.
Which banks offer cell phone insurance?
Now that you know How much does cell phone insurance cost?, the best way to find out how this insurance works is to know some options.
We have selected 4 suggestions to present to you and some details. Keep reading!
Nubank
This bank's program is known as Nubank Celular Seguro. It offers coverage for robbery, simple and qualified theft.
In addition, it also covers accidental damage, for example, a broken screen. As you can see, Nubank's coverage is quite comprehensive.
It also covers damages that occur in Brazil and abroad. This means you can travel with peace of mind knowing that the coverage is valid for situations that occur anywhere in the world.
This bank has a grace period of 30 days, meaning you can only activate the insurance one month after taking it out.
Nubank charges a deductible, a payment that must be made if you need to activate coverage.
The values depend on the device model. To find out how much does cell phone insurance cost at Nubank, access the application and make a quote.
If you are not yet a customer, see how to become one.
PagBank
PagBank's cell phone insurance covers theft and robbery due to break-ins, accidental drops and damage caused by liquid spills.
In the event of robbery or qualified theft, the company offers a guarantee that the device will be returned as quickly as possible.
Unlike Nubank, this insurance does not have a waiting period. This means that your cell phone will be protected as soon as you purchase the insurance.
PagBank's cell phone insurance also has a grace period abroad, the deductible is 10% of the value of the device.
Inter
The insurance offered by Banco Inter is the result of a partnership with Liberty Seguros. In addition to being comprehensive, it is possible to find competitive prices.
Payment can be made with credit card, debit or virtual from Inter and it has the following coverage:
- Theft;
- Accidental breakages;
- Thefts;
- Water or electrical damage.
One of the disadvantages of this insurance is that it only applies to devices purchased at Inter Shop.
However, it is still advantageous, as there is no waiting period. In addition, if you lose your cell phone completely, the insurance will give you a new, identical or equivalent device.
To sign up, you certainly need to be an Inter customer.
Ciclic – Bank of Brazil
Ciclic is a digital platform from Banco do Brasil. It sells different insurance models, including: cell phone insurance.
Ciclic insurance protects your device against theft, breakage, liquid damage, qualified theft and oxidation.
Furthermore, there is no cancellation fee, meaning you can use the insurance for as long as you want and cancel if you are dissatisfied with the service.
The insurance is eligible for devices up to 18 months old, even if they were purchased abroad. The coverage is also international.
When searching for this insurance, look for Ciclic Electronic Insurance, as it is suitable for different devices, for example, notebooks and smartwatches.
This insurance has a 30-day waiting period and the deductible is 25% of the value of the device.
To get a quote and find out how much does cell phone insurance cost, access the Ciclic website.
Conclusion
Hiring this service through a digital account is an alternative, as it is easier to monitor and also improves the relationship with the bank.
To choose the best option, it is important to evaluate and compare, only then will you be able to define which is the best alternative for your budget and your needs.
To discover How much does cell phone insurance cost? It is necessary to make a quote, as the values vary according to different criteria.
Be sure to check out the options mentioned in this text, as they are among the best on the market.
Having insurance for your cell phone will give you peace of mind and provide more protection for your property.
