When you buy a new smartphone, the shopkeeper often tries to sell you mobile insurance with the phone. These mobile insurances are sold to keep your new phone safe. In the craze of new phones, you also buy insurance without worrying about 2-3 thousand rupees, but do they work? And is insurance the only way to protect the phone? Today we will talk about how useful mobile insurance is and how can you keep your phone safe while saving money. Let's find out.

How useful is insurance?

Whether you buy a phone online or offline. As soon as you buy the phone, the shopkeeper or e-commerce website tries to sell you phone insurance. Some people buy it, while some skip it. Now the question arises whether these insurances are useful. The answer is yes and no. The insurance of Rs. 1000-2000 that are available with the phone is of no use. Often, these insurances do not work at the time of need. Another thing to think about is that nowadays good smartphones are touching the price of 40 to 50 thousand. In such a situation, how can the companies providing such cheap insurance bear the cost of such an expensive device of yours? Usually, new phones do not get damaged for a year. In such a situation, the job of these insurance companies is only to take 2-3 thousand rupees out of your pocket.

These insurances are useful.
As we said, the answer to the question of whether insurance is useful or not is yes and no. If you take branded insurance, then it works. Like Apple Care or Samsung Care Plan that comes with Apple. These insurances are provided by the smartphone brands themselves. You can trust these insurances. However, these insurances are quite expensive. Their price can be from 7,000 to 20,000. However, even after having such plans, if you make an insurance claim, then you may have to bear the cost of 2-3 thousand for repairing or exchanging the phone. This expense is of service charge and tax etc.

​Time-bound​
As we said, cheap insurance cannot be trusted and even if expensive insurance works, you still have to pay a service charge. Apart from this, another drawback of mobile insurance is that it is time-bound. This means that insurance covers your phone for one to two years. In such a situation, if you want long-term protection for that phone, then you will have to spend money on insurance again and again.

Insurance option
If you want an option of mobile insurance that is cheap and does not have to be renewed every year, then you can invest in a good phone cover. Let us tell you here that there is a difference between a normal phone cover and a good phone cover. The phone cover starts from Rs 100 but a good phone is available for Rs 1100 to 3000. This amount may seem high for a phone cover, but branded phone covers work. In one of our tests, the phone did not suffer any damage even after being thrown from a floor with a branded cover. To choose a good cover, you can choose Spigen, Totem, Rinkey, or UAG brands.

Insurance or cover?
If you have to choose between mobile insurance and a good phone cover, then experts recommend investing in a good cover. You will have to spend money only once on a good phone cover. After this, as long as you want to use that phone, you will not have to spend extra money to protect the phone. Apart from this, nowadays the design of the phone does not change much in the upgrade of smartphones. Because of this, even if you upgrade the phone after a year, it is possible that you can protect the new phone with the old cover. For example, people using the iPhone 13 can also use its cover on iPhone 14.

Disclaimer: This content has been sourced and edited from Amar Ujala. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.