Technology

Smartphone insurance: our comparison to choose the best at the right price –

The unconditional love that the French have for their smartphone often ends in loss and noise. 82% of the French have already broken (more or less seriously) their phone according to the Coverd insurer! Broken screen, HS panel, chipped, even the rusted mobile after a fall in the toilets or a “coffee accident” … Clumsiness is among the worst dangers that threaten our mobiles. Not forgetting that they are the object of greed. Simple or snatched thefts are daily and often target high-end smartphones, starting with iPhones.

Either way, whether by accident, loss, or theft, the cost of repair or replacement often leaves a sour taste. Account, for example, € 361.10 to repair the screen of an iPhone 13 Pro Max on the Apple network, € 319.90 for a Samsung Galaxy S21 Ultra and € 399.90 for the screen of a Xiaomi Mi 11 on the WeFix network. And if a complete retrofit is necessary after a loss or theft, it is a substantial budget that will have to be mobilized.

Therefore, the question may arise: Are you interested in taking out special insurance to protect your smartphone (and your budget) from these unfortunate incidents? The answer is yes, as long as you carefully examine the scope of coverage of the various contracts.

If contracting an option for your home insurance (mobile devices) can be an easy solution, specialized insurers have also developed contracts dedicated to smartphones. What should you carefully consider before subscribing? The type of damage covered, as some contracts exclude theft or pickpocketing, others do not cover rust or breakdowns. Another point of attention: the maximum level of reimbursement that must be adapted to the price you paid for your mobile.

To make things easier for you, the editorial team at scanned the main contracts on the market to provide a comparison that will allow you to refine your choice.

1. Coverd: the best insurance for everyday accidents

Coverd is an insurance company specialized in the insurance of mobile devices (smartphones, computers, tablets). 100% web, so you can only subscribe online. And without obligation, it can be interrupted during the contract (any remaining started month).

In terms of covered damages, it provides protection against most accidents (see table). However, you must activate an option to be covered in the event of theft. And even with this one, theft and snatching are not covered. Like the loss of your device.

Coverd provides a replacement phone in the event of a disaster. Note that this is a troubleshooting device, often from an older generation.

Things to remember about Coverd Price (examples) € 11.90 / month: iPhone 13 Pro Max
€ 9.90 / month: Samsung Galaxy S21 Ultra Damage covered Breakage
Rust (including falling down the toilet)
Components (photosensors, volume buttons, etc.)
Drums
Theft (optional) Deductible € 30 to € 50 depending on the model Warranty limit 3 times the value of the device

Coverd’s offer in detail

2. Lovys: the best comprehensive insurance

This insurance startup offers a solution dedicated to smartphones. Its higher price than Coverd is due to the wide range of covered damages. Here, all types of theft (rapture, escape, etc.) are covered. The insurer agrees to provide you with a new phone within 48 hours. However, be careful, this will not be a new smartphone but a refurbished one, of the same model, unless the insured mobile is too old.

In the same model as other insurtechs, Lovy’s smartphone insurance is non-binding. A deductible applies to each claim, which varies by phone model. That is, if you break the screen, for example on an iPhone, and the repair costs 300 euros, you will have to pay 90 euros.

Things to remember about Lovys Price (examples) € 13.99 / month. (iPhone 13 Pro Max or Samsung Galaxy S21 Ultra) Covered damage Breakage (screen and other components)
Oxidation, infiltration (except falling into toilets, swimming pools, etc.)
Court circuit
Flight deductible € 90 (depending on model) Coverage limit € 1,300

Lovy’s offer in detail

3. Parachut: the best for smartphones under € 600

This online insurance allows you to insure all the assets you own (from your smartphone to your tennis racket). A basic plan (called Goodz) billed at € 9.99 per month can insure one or two devices. But within the limit of € 600. For example, a € 1,000 smartphone broken the week after its purchase will only be refunded up to € 600 if it cannot be used. This small amount of guarantee explains the fact that Parachut does not apply a deductible. Like the fact that the insurance company does not cover the theft of the smartphone.

Things to remember about Parachut Price (examples) € 9.99 / month (up to two devices) Damage covered Breakage
Oxidation
Non-compliance Deductible No guarantee limit € 600

The Parachut offer in detail

4. Carrefour Assurances: the best way to secure all your mobile devices

The mobile insurance of the large distribution brand offers three subscription levels, from the most basic to the most complete: € 5.90 / month for one device up to € 14.90 / month for several, with more extensive guarantees. Only the most expensive allows you to be covered in case of theft (with assault or kidnapping).

Carrefour Assurance mobile insurance can only be taken out if the smartphone (new or professionally reconditioned) is less than 3 years old. Be careful, it does not cover breakdowns. On the other hand, it covers all nomadic home devices.

Things to remember about Carrefour Assurances Price (multinomad plan) € 14.90 / month (iPhone 13 Pro Max or Samsung Galaxy S21 Ultra) Damage covered Breakage
Theft from all causes
Oxidation € 30 deductible for a device of less than € 150 or in case of breakage of the screen; € 100 for any other claim if the value of the smartphone exceeds € 150 Warranty limit € 2,000 / year limited to 2 claims

The Carrefour Assurances offer in detail

5. MAE: the best for smartphones under 400 euros

The school insurance specialist has drawn up a contract that covers all the “technological” goods in the house: smartphone, laptop, tablet, walkman, reading lights … For a fixed fee of 12 euros per month, all these devices are covered, but within small limits for smartphones: maximum € 400. A deductible also applies to each claim. For example, a broken screen whose repairs amount to 200 euros, 30 euros will have to be paid.

Only smartphones less than three years old can be covered. A one-month waiting period also applies after subscription. Good: period: fraudulent communications made with a stolen device are also guaranteed up to a limit of € 500, as well as theft of accessories (maximum € 100).

Things to remember about MAE Price (examples) 12 € / month Damage covered Breakage
Accidental oxidation
Theft (assault, pickpocketing) Deductible € 30 / claim Coverage limit € 400

The MAE offer in detail

6. AppleCare +: adapted for iPhone, but at least

The special insurance for iPhone from the Apple brand is far from covering all the incidents that can affect these precious mobile devices. It only protects against accidental damage, such as breaking the screen or the back of the device after a fall. Thefts don’t worry. Like accidental rust. This very limited insurance allows you to get technical support, by chat or by phone, same day repair, as well as an express replacement service.

Things to remember about AppleCare + Price (examples) € 229 / year for an iPhone 13 Pro Max Damages covered Breakage deductible € 29 / loss affecting the screen or the back of the iPhone; € 99 for other types of damage Coverage limit Up to the value of the smartphone, limited to 2 claims / year

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