What happens if I lose my phone and its insured?
Asked by: Hassan Fisher | Last update: January 5, 2026Score: 5/5 (26 votes)
What if my phone is insured and I lost it?
If you're insured
Contact your insurance provider to find out what cover you have and how they can get you a replacement. If your phone was stolen you'll need to give them the crime reference number.
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.
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 if you have insurance on your iPhone and you lose it?
Is your iPhone lost or stolen? If it's covered by AppleCare+ with Theft and Loss, you can sign in with your Apple Account and file a claim for an iPhone replacement. Use the Find My app or go to iCloud.com/find to mark your iPhone as lost.
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What happens if I lost my phone but I have insurance?
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.
Does phone insurance replace with a new phone?
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.
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.
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.
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.
Can I claim insurance for 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.
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.
How to blacklist a stolen phone?
Once you have your IMEI number and an SAPS case number, send a fax to your service provider with these details requesting them to blacklist your phone. Also include your identity number, your home address and your signature. Phone them back the next day to check that it has indeed been done.
What does insurance do when your phone is stolen?
If your Device is Stolen, We will replace Your Device with a new device of the same or similar type, subject to the Maximum Limit of Indemnity.
How much does it cost to claim with Asurion?
A service fee of $0, $29, $79, $99 or $129 + tax will be charged for each approved claim. Limitations and exclusions apply. Please see the Asurion Home+ Terms and Conditions for complete program details, including a binding individual arbitration provision applicable to this plan (unless state exceptions apply).
What does cell phone insurance not cover?
Here's a list of what a cell phone insurance plan typically won't cover: Tampering. Modifications. Natural wear and tear.
Do I still have to pay for my phone if it was stolen?
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.
What are the risks of losing your phone?
If your phone is ever lost or stolen, your data could be at risk of being compromised. One of the main ways your stored data could be in danger is if you have a weak passcode, such as 0000 or 1234. If the person who found or stole your phone could guess your passcode, your data would become compromised.
Can my lost phone be tracked?
If you lose an Android device or Wear OS watch, you can find, secure, or erase it remotely. You can also help a friend find, secure, or erase their lost device with the Find My Device app. If you've added a Google Account to your device, Find My Device is automatically turned on.
Can someone use my iPhone if its stolen?
It's locked with your device passcode. Payments cards and passes that you use with Apple Pay are suspended. If you use Stolen Device Protection for iPhone, Face ID or Touch ID is required to turn off Lost Mode — so even if a person has your iPhone and knows your passcode, they'll still be locked out of your device.
What happens if you lose your phone without 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.
Can police track lost iPhone?
Report your missing iPhone or iPad
Report it to your local police station. They may request the serial number of your iPhone or iPad, which you can find even if you don't have the device.
What happens if my phone is insured and I lost it?
The key thing is to contact your insurer as soon as possible. If your phone's been lost or stolen, you should contact your local police station and get a crime reference number. You'll need to provide your insurer with your policy number, as well as details about your phone and what happened.
Does home insurance cover lost phones?
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.
How much does phone insurance cost?
Bundle-priced plans that include phone coverage, tech support, identity theft recovery and roadside assistance are just $12.99 per month for one phone. Or, choose a family plan that covers up to four lines for $24.99 per month. A $149 deductible applies to all smartphone claims.