Does insurance cover a lost phone?
Asked by: Aliyah Koelpin | Last update: October 19, 2025Score: 4.7/5 (66 votes)
Does phone insurance cover if you lose it?
Cell phone insurance plans cover repairs not covered by the manufacturer's warranty as well as theft. It's like any other insurance plan where you pay a premium for your coverage, and the insurer will pay out for repairs or replacement in the event of a covered loss.
Can I claim insurance for a lost phone?
Mobile Insurance Claim Process:
In order to file claim, you must provide the insurance provider with the purchase invoice / bill of your smartphone, along with its serial number. Also, you must file an FIR (first instance report) for the missing phone within the first 24 hours following its theft or loss.
Do I still have to pay for my phone if I lost it?
Your bill is still due as usual when your phone is lost or stolen, including your monthly plan/service costs as well as any applicable device payments and device protection charges.
What happens if I lost my phone with insurance?
Device Insurance - Theft, Accidental loss and Accidental damage: This option provides the widest cover and covers you if your device is stolen, accidentally lost or damaged. At an extra monthly premium, you can choose the optional Excess buy-down benefit which reduces your basic excess by 50% in the event of a claim.
Will Renters Insurance Cover A Stolen Cellphone
Can I claim for a lost phone on my home insurance?
You'll probably find that your home contents insurance covers your mobile phone if it's stolen during a house break-in. Your insurance company might also offer you the option of adding accidental damage cover for your phone in the home, or cover for your belongings – including your phone – outside the home.
Is a lost iPhone covered by insurance?
Theft and loss coverage is included with AppleCare+ with Theft and Loss for iPhone and provides up to two incidents of theft or loss coverage every 12 months.
Can I replace my phone if I lost it?
Will insurance cover my lost or stolen phone? Depends on your provider. Asurion offers cell phone insurance that covers not only loss and theft, but protection from everyday mishaps like cracked screen repair and coverage for water damage, with you receiving a replacement device in as little as 24 hours.
How do I claim my lost phone?
You should report it to your local police station as soon as you can by calling 101 or going in person. Your network provider will give you your phone's identification number (IMEI), which you should pass on to the police. Make a note of the crime reference number - you'll need it if you want to claim on insurance.
Is it illegal to keep a lost iPhone?
If the owner of the property does not claim it within 90 days, then the finder can keep it. If your state has similar laws, you likely can keep the phone you found as long as you turn it in to the police first.
What happens if my phone is stolen and I have no insurance?
If You Don't Have Insurance
You still need to: Suspend your phone service and report your phone as lost or stolen to your mobile phone service provider. Remotely wipe your phone. Change all of your account passwords to secure your account information.
What should I do if I lost my phone and it's off?
Go to android.com/find on your web browser. Sign in with the Google account connected to the lost device. The device will be displayed at the top of the screen, pick the lost phone. Its last location will be displayed on the map.
Is dropping phone covered by insurance?
Mobile phone insurance, in simple terms, is a type of insurance that helps with the cost of replacing or repairing your smartphone in the event that it's damaged, stolen or lost. This can include accidental damage such as dropping your phone, or loss, such as leaving your phone on the bus.
Should I worry if I lost my phone?
The Implications of a Lost or Stolen Phone
Smartphones carry a wealth of personal information and other sensitive data that can be attractive to criminals. If they gain access to a lost phone, criminals can carry out numerous attacks and crimes, such as: Stealing money from bank accounts linked to the phone.
Does insurance cover loss?
Home contents insurance covers you against loss, theft or damage to your personal and home possessions. It can also cover you if you take items out of the home, on holiday, for example. The insurance covers your own possessions and those of close family members living with you.
What is not covered in phone insurance?
Losing your phone: Some cell phone protection plans do not cover your phone if you misplace it. Cosmetic damage: Some protection benefits do not cover cracked screens or other types of damage that don't impact the phone's ability to function.
How does insurance work for lost phone?
These insurance policies generally automatically cover your phone (and other stuff) for things like theft, vandalism, fire, and other damages ('perils,' in insurance speak). You generally won't be covered for accidental damage or just because you misplaced and lost your phone, though.
Do I still have to pay for phone if I lost it?
Before you replace a device
Keep in mind: If you have an installment balance on your lost or stolen device, you still have to pay the remaining balance.
How do I claim my lost phone on my insurance?
- Submit a claim. Go into the nearest store or simply call us at 082 1952.
- Track your claim. To stay up to date with your claim call 082 1952.
- Pay the excess and get a new device. Devices are not immune to loss, damage or theft.
How much does it cost to replace a lost iPhone with insurance?
Your replacement costs are going to total $418 (a $149 deductible plus the $269 you paid for the AppleCare+ plan).
What if I suddenly lost my mobile phone?
Get help from a friend
Tap Mark as lost. If the device comes online: You can either select Secure Device or Erase device. If you believe your device can't be found: Contact your mobile provider, if possible, to have the device deactivated. You may need your IMEI number.
What happens if I lose my iPhone?
When you mark your iPhone or iPad as lost, your device is put in Lost Mode — it's locked with a passcode, payment cards and passes that you use with Apple Pay are suspended, and you can display a phone number and message for someone who finds your device.
Does phone insurance cover loss?
A phone protection plan typically helps pay to repair mechanical issues or accidental damage. Some protection plans may include additional coverage, such as phone insurance that helps pay to replace your phone after it's lost or stolen.
Does home insurance cover a stolen phone?
Most contents insurance policies will cover your mobile phone when it's in your home, just like other personal belongings or valuables. You'll be covered for loss or damage in a fire, storm or flood, and theft too, but only for the phone itself, and not any fraudulent calls.
Can you claim insurance on a lost iPhone?
AppleCare+ with Theft and Loss coverage requires you to have Find My enabled on your device at the time it is lost or stolen and throughout the claims process. See the AppleCare+ terms and conditions or the AppleCare+ with Theft and Loss terms and conditions for complete product details.