Mobile Insurance-Terms and Conditions

This article gives you the Complete Information about the Mobile Insurance Companies Terms and Conditions,India.

Mobile Insurance – Terms and Conditions

How to claim insurance for lost mobile phones

If you Lost Your New Mobile Phone means, Check that your Incident of Lost come under the Following Circumstances.

Causes acceptable for insurance claiming on lost mobile phones

You can Claim your Lost mobile phones, if

Conditions for claiming insurance for physically damaged mobile phones

This category of Insurance covers, if the Damage occurred by following instants,
1.Damage occurred by Force. For Example, your Mobile was broken during Strike or other Malicious Act.

2.Exterior or Internal Parts of the Equipment was damaged during Dropping down it.

3.Deliberate Action performed on your Mobile by Third Party.

4.Damaged due to severe Fire Accident.

5.Sudden Lightning and Explosions causing Damages on your Mobile.

6.At the Time of Natural Disaster. For Example, Flood at your Home Town.

Conditions for claiming insurance for Theft mobile phones

1.Your Mobile was Stolen from you by Force. If they used the Violence on you, else they Threat you to use the Violence.

2.At appropriate Situations like, where you can't perform your own actions to save your mobile. Like Stolen from the Locked Building or Locked Car.

3.Theft must be happened with some Force. For Example, Breaking the doors and loot it from your car.

Most mobile phone Insurance Agencies will not Repair or Replace your Mobile, if you lost your mobile under following circumstances,

Physical Damage caused by incorrect usage of Mobile Equipment (or) Carelessness in Handling (or) Mistake during the Setup Process.

Incidents or Damages Caused by the Mobile equipment Supplier, Dealer. Else, it can be recovered under the Manufacturer's warranty.

Mysterious disappearance, like if you lost your Mobile which is on your Computer Table.

Forgotten OR Misplaced the Equipment.

Mobile Lost due to Simple Theft. For Example, Unknown person asking you the Mobile to make call and you have gave it to him. And he Ran off with that Mobile.

Intentional Damages Performed by You.

Fails to Operate due to Software Fault.

Dmage Caused by the Poor Care and Maintenance.

Which exceeds the Guarantee period of your insurance, usually one year.

Minor Failures are not considered for Claim.

Usually, these are the Terms and Conditions followed by the Most of Mobile Insurance agencies like Oriental Insurance, HSBC, etc.
Be SAFE in Handling Mobiles. Most Thefts are happened due to our carelessness only.

Reg,
S.karthik kumaran