Do I need smartphone insurance?

Drew explains why you should consider purchasing smartphone insurance.

Drew explains why you should consider purchasing smartphone insurance and shares the top 10 most unusual and common smartphone insurance claims.

Smartphones are the fastest selling mobile devices on the market with the higher end devices costing upwards of $800 to purchase outright. Due to receiving smartphones on monthly plans, we shove them into our back pockets, lose them in our bags and drop them without worrying too much – which would be much different if we purchased them outright. When something does go wrong or breaks, smartphones cost quite a bit to replace if you don’t have smartphone insurance. Listed below are the top 10 most common and most unusual iPhone insurance claims.

Top 10 most common iPhone insurance claims
Cracked screen
Stolen while texting
Couldn't hear the other person when making a call
Leaving phone on the car roof so it falls off when driving
Pet knocked the phone off the surface
Stolen from handbag
Internet connection completely broken
iPhone doesn't charge
Dropped in the bath / toilet
Screen freezes

Top 10 most unusual iPhone insurance claims
I dropped it from a hot air balloon
I lost it while sky diving
It broke when my son used it as a table tennis racket
I lost it while building a sandcastle for the kids
I accidentally buried it in the garden
It fell into the kettle
I dropped it in a food blender
My dog mistook it for his favourite toy and chewed it to pieces
Juice from a defrosting piece of meat leaked into it
It flew out of the car window

Smartphone Insurance Plans

Most phone companies offer smartphone insurance for an additional fee per month, and we’ve looked at what you get for your money with three major Australian mobile phone service providers. It is important to read the fine print before purchasing any smartphone insurance plan.

Telstra Premium Care Smart Cover
Cost: $14.95 per month
: International, but the claim you can make overseas is much smaller than in Australia

  • Accidental loss
  • Accidental damage
  • Theft
  • Mechanical or electronic breakdown or failure

Repairs Excess: $75
Replacement Excess: $250

For more information visit

Optus Smart Insurance
Cost: $13.99 per month
Location: International

  • Theft
  • Accidental loss
  • Accidental damage
  • Electronic breakdown/failure
  • All accessories/car kits
  • Unauthorised calls

Repair excess: $100
Replacement excess: $250

For more information visit

Vodaphone Cover Me Insurance
Cost: $11.00 per month
Location: International

  • Accidental damage
  • Malicious damage without your consent
  • Loss or theft including accessories
  • Unauthorised calls
  • Temporary replacement while overseas

Excess: $125 for repair or refurbished replacement, $225 for new replacement. $300 for new replacement within first 90 days.

For more information visit

Do you have smartphone insurance? Have you made a claim previously? How did you find the process?

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