why Insure

• Why do I need insurance for my mobile device?

  With the increase of Mobile Network Data services and more sophisticated devices, particularly Smartphones and iPhone / Galaxy S3, the replacement value of your mobile device may be far greater than you think.
  
  When you purchased your mobile device from your Mobile Network Operator you may have only paid a nominal price for it. The reason being is that the Mobile Networks will subsidise your device, when you are signing into a lengthy contract.
  
  

  If you are signed into a contract with your Mobile Network Operator, they will continue to bill you each month for the line rental, whether or not  you still have the use of your mobile device. You will be liable for the monthly rental until the end of your contract.
  
  In the event of your device being damaged or stolen, and if you do not have an insurance policy in place, you will have to replace your device at your own expense, your Mobile Network has no responsibility to replace your device free of charge.
  
  You may assume that you are entitled to an upgrade from your Mobile Network Operator, however, nowadays, upgrades are usually only available on average every 12 - 18 months, and there is still a substantial cost involved. 

• If I’m not insured with Mobilecover, how much will it cost to replace my device?

  
  Actual replacement value of Mobile Devices unsubsidised by your Mobile Network Operator
  
  

  Device	Replacement Cost
  Apple iPhone 8 256GB	€999
  Apple iPhone 8+ 64 GB	€939
  Samsung Galaxy S8	€679
  iPad 32gb	€419
  *Prices as of Feb '18

  
  

• What is Mobilecover’s replacement policy?

  Policies purchased from 07 Feb 2017: In the event of loss or theft of a device or if your device is deemed beyond economic repair, we will arrange replacement of the device with a refurbished device of same or similar specification if available, or where a refurbished device is not available, replace your device with a new device of same or similar specification.
   
  Policies purchased prior to 07 Feb 2017: In the event of loss or theft of the device or if your device is deemed beyond economic repair, we will arrange replacement of the device with a model of the same or similar specification. Where only part or parts of your device have been lost, stolen or destroyed, we will only replace that part or parts.
  
  Please note that the start date of your policy is clearly stated in your policy schedule

• Why is my Home Contents Insurance not sufficient cover for my mobile device?

  
  

  • The excess payment in the event of a claim is anywhere between €150-€200
  • A Claim will effect the no claims bonus on the policy, and your annual cost will be effected
  • Typically loss or theft of your device outside the home will not be covered
  • No fraudulent telephone calls are covered, in the event of theft.
  • No accessories covered.
  • Replacement devices are delivered to your door
  • Takes 2/3 weeks for claim to be settled.
    
    

• Why insure with Mobilecover?

  
  Mobilecover is a dedicated independent online insurer of mobile devices. You can take out Mobilecover insurance online today and pay for it online either monthly by Direct Debit or Annual payment.
  
  

  We have made this process simple clear and customer friendly. Mobilecover is completely independent of any Mobile Networks, you can change Mobile Network with the confidence of knowing that there will be no inadvertent lapsing of cover.

  
  We are an Irish company with over 7 years experience in the mobile device insurance market. Mobilecover is underwritten by the strength of Zurich Insurance Europe AG providing you with the widest choice of products and premiums.
  
  We pride ourselves on our service, and if your device is lost or stolen we will replace your device. If your phone is damaged, we will repair it . We can deliver Nationwide and Internationally.
  
  We believe our schemes, underwritten by the strength of Zurich Insurance Europe AG, are appropriate and good value. We always recommend that our customers read and understand their policy documents.
  

• What does my policy cover me for?

  
  We are giving you the choice! You can select the level of cover you need:
  
  Mobilecover Essential
  Mobilecover Extra
  Mobilecover Complete