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What is Samsung Galaxy insurance?
Samsung Galaxy insurance is gadget insurance aimed at Samsung Galaxy mobile devices. It usually covers your phone against damage, theft and loss.
What is the Samsung Galaxy range?
Samsung Galaxy features a wide range of mobile phones, with the newest models including the Samsung Galaxy S20, Samsung Galaxy Note 20 Ultra, Samsung Galaxy S20 Plus, Galaxy A42 5G and Galaxy Z Fold2. Before the S20, S10 was the newest Galaxy model.
You can find the full range of Galaxy phones on the Samsung website.
Why shouldn’t I just use Samsung Care?
Samsung Care only covers mechanical failures, similar to a warranty. Samsung Care+ does cover accidental damage, but claims are limited to four claims over two years. Theft and loss are not covered, nor are you covered overseas.
Many Samsung insurance polices do offer cover for theft and loss, and some also cover you abroad. This means that it’s likely you will be able to find a better, more comprehensive deal away from Samsung Care+, but make sure to compare prices and what’s included in every policy on offer, as benefits do vary.
What is the cost for Samsung Galaxy repairs out of warranty?
This will depend on the damage done and the model you own. Newer, more expensive models are likely to cost more to fix.
Generally speaking, repairs for Samsung devices usually range between £40-£300.
What does Samsung Galaxy insurance cover?
The exact specifications of cover will vary by provider and level of cover you choose, but Samsung Galaxy insurance usually includes the following:
- Accidental damage (some include cracked screens)
- Liquid damage
- Mechanical breakdown (out of warranty)
- Malicious damage
- Unauthorised usage
- Replacement accessories
With some insurers, you may have to pay an extra fee for some of these benefits to be included in the cover.
Some insurance policies will also cover you for all of these situations overseas. You may also be covered while your device is in the possession of an immediate family member.
How to get the best Samsung Galaxy insurance
Best means different things to different people, but here are some steps you can take to find a great deal for you:
- Choose your level of cover. Most policies include accidental damage and theft as standard, and some also include loss and cover around the world. Decide what your essential elements are and look for a policy that includes them.
- Check if you’re already covered. Some UK banks offer cover for mobile phone and other gadgets with a bank account (though this may require a fee). If you have home insurance, your mobile phone might be included in the cover, but check whether that extends to cover outside of your home.
- Weigh up cost vs price of the phone. As part of your consideration, you should weigh up the cost of insurance versus how much it would cost you to repair or replace your phone yourself. For older models, this may not prove worthwhile. Remember to also consider any excess you will have to pay if you make a claim.
- Look at a multi-gadget policy. Some providers offer multi-gadget discounts, which can help if you are insuring a number of different gadgets.
- Compare policies and get a range of quotes. It always pays to shop around and compare providers to find a policy that gives you your desired level of cover.
How to claim on my Samsung Galaxy insurance policy
The claim process will differ depending on your insurance company. Some allow you to make a claim online, whereas with others you’ll need to call the claims team.
Either way, you’ll need to provide details of the device and the incident that led to the claim being made.
For damage claims, you might need to send the device to the insurance company, or obtain a quote to fix the damage from an approved repairer.
For loss and theft claims, you’ll need to inform the police and your network provider before making a claim. You’ll likely need to obtain a crime reference number from the police to make the claim.
Based on these details and the state of your device, the insurer will then make a decision about whether to repair or replace it.
Even if you got complimentary Samsung Care with the purchase of your device, getting extra protection will still be a good idea, as the warranty only covers mechanical breakdowns.
Before taking out a separate Samsung Galaxy insurance policy, make sure to check your home insurance to see if you’re already covered (but note whether the cover extends to when your device is away from the insured property).
When looking for a gadget insurance policy, make sure to shop around and compare policies to find the best deal for you.
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