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SMARTPHONE INSURANCE : PEACE OF MIND FOR THE ACCIDENT PRONE

Despite the most recent innovations in increasing the survivability of smartphones, such as tempered glass and armoured phone casings issued by handset manufacturers, there isn’t much to be done for improving on the human element. All it takes is a lapse in concentration, a slip of the fingers or plain bad luck and a thousand-plus Ringgit advanced communications device may end up as an expensive paperweight when it hits the floor or takes an inadvertent swim.
Sure you can get it repaired, but the cost of having a modern smartphone fixed is often close to or as much as the price of a new device. This can be quite substantial, and more so if out of warranty. What’s more, you might lose priceless information if you haven’t backed up your contacts, photos, and other data on your phone. While there are options to extend your warranty with some vendors, an option exists to hedge against all that worry: phone insurance.
While available in other regional markets for quite a while, phone insurance is a relatively recent development locally and offers an added measure of protection beyond purchasing extended warranties from a phone manufacturer or a vendor. While a warranty protects against product defects and some cases of physical damage, a phone insurance policy also generally covers theft and water damage as well in exchange for a nominal monthly payment. The premium usually varies based on the value of the device insured. Policies vary between dividers, however. Some protect against certain forms of theft, while others do not. Some policies extend only to devices purchased from a particular telco on contract. Before signing up, consider the cost and what the policies protect against. This means read the fine print. Not sure where to get started? Check out the list of providers below:

POLICY NAME SERVICE PROVIDER & WEBSITE
 

Phone Care

CELCOM

https://www.celcom.com.my/personal/devices/phone-care

https://www.celcom.com.my/support/faq/personal#personal-devices-phone-care

PREMIUM PER MONTH:

From RM4 per month for swap for postpaid.

From RM9 per month for swap and replace for postpaid. Rates depend on the price of the device insured.

Swap excess fee from *RM80 per request and from *RM160 for replacement.       (* For customer who subscribes after 1 June 2018)

DETAILS:

This service is open to all existing and new Celcom postpaid and prepaid customers. To subscribe to Phone Care, customer need to:

Purchase a new mobile phone or tablet with FIRST™ plans, or

If the customer is an existing Celcom subscriber, he/she can purchase a device without a new plan. However, customer may only have one registered device on each Celcom mobile number or plan, or

If the customer has recently made a device purchase or EasyPhone with Celcom, he/she can register the mobile phone or tablet (with SIM Card) in full working condition within 30 days from the date of purchase (proof of purchase is required).

Digi Shield DiGi

https://new.digi.com.my/program/digi-shield-device-protection

PREMIUM PER MONTH:

Option 1: Full Coverage

From RM9 per month depending on the value of the device.

Replacement fee from  RM112.50

Option 2: Screen Crack

From RM29 one time-payment depending on the value of the device.

*listed price not inclusive of SST

DETAILS:

Free repair for Cracked Screen cover or Damage Cover. No replacement fee needed.

Replacement device turnaround time will be 2-3 working days from the time of excess fee payment.

MAXIS SafeDevice  Protection MAXIS

https://www.maxis.com.my/en/personal/devices/safe-device.html

https://www.maxis.com.my/en/personal/support/terms-n-conditions/safedevice-terms-n-condition.html

PREMIUM PER MONTH:

From RM6-RM52(rates depend on the price of device insured) for Standalone SafeDevice Monthly Service Fee

For Zerolution SafeDevice Monthly Service Fee

Starting from RM24-RM52(rates depend on the price of device insured)

 DETAILS:

*Must be an existing Maxis postpaid customer;

*Must subscribe to the protection within 10 days for any new device purchased from Maxis; and

*The insured device must not be lost or stolen and must be in good working condition when subscribing the protection plan.

Machines Protection Plan (MPP)  Machines

https://www.machines.com.my/products/mppx

DETAILS:Depending on the device models, the MPP ranges from RM279 to RM849, covering customers with one screen replacement OR one full device replacement within the two-year coverage period.

Service fee range from RM239 to RM469. 

Source : SHOUT Q4, 2015

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~consumerinfo.my :: another website by Communications & Multimedia Consumer Forum of Malaysia (CFM)~ 

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