With smartphones becoming an essential part of our lives, protecting them against accidental damage, theft, and malfunctions is more important than ever. Mobile insurance plans offer financial security by covering repair or replacement costs, ensuring you stay connected without unexpected expenses.
In this guide, we will explore the best mobile insurance plans in 2025, their benefits, coverage details, and how to choose the right policy for your needs.
Why Do You Need Mobile Insurance?
Many people assume that manufacturer warranties or extended service plans are enough, but they often have limitations. Here’s why mobile insurance is essential:
✅ Covers Accidental Damage – Protects against screen breakage, liquid damage, and physical harm.
✅ Theft & Loss Protection – Some plans offer coverage for lost or stolen devices.
✅ Extended Warranty – Covers malfunctions beyond the manufacturer’s warranty.
✅ Cost-Effective Repairs – Avoids high repair costs for expensive devices.
✅ Worldwide Coverage – Many policies offer international protection.
Top 5 Mobile Insurance Plans in 2025
Here’s a list of the top mobile insurance providers offering the best protection in India:
1. Acko Mobile Insurance
🔹 Coverage: Accidental damage, liquid damage, and screen protection.
🔹 Premium Cost: Starts at ₹399 per year.
🔹 Claim Process: 100% online, paperless, and quick claim approval.
🔹 Additional Benefits: Free pickup and drop service for repairs.
📌 Best For: Budget-friendly, hassle-free claims, and fast service.
2. Bajaj Allianz Mobile Insurance
🔹 Coverage: Accidental damage, liquid damage, mechanical breakdown.
🔹 Premium Cost: Varies based on phone model and coverage type.
🔹 Claim Process: Easy online claims with doorstep repair service.
🔹 Additional Benefits: Includes coverage for high-end devices.
📌 Best For: Those looking for comprehensive coverage, including old smartphones.
3. OneAssist Mobile Protection Plan
🔹 Coverage: Theft, accidental damage, and extended warranty.
🔹 Premium Cost: ₹999 – ₹2,999 per year, depending on the device.
🔹 Claim Process: App-based claim submission, free device pick-up.
🔹 Additional Benefits: 24×7 call center support, buyback options.
📌 Best For: Users who need theft protection and premium device security.
4. OnsiteGo Mobile Insurance
🔹 Coverage: Screen damage, accidental damage, and extended warranty.
🔹 Premium Cost: ₹499 – ₹3,499 per year, based on device price.
🔹 Claim Process: Instant approval with a cashless repair facility.
🔹 Additional Benefits: International coverage, no depreciation charges.
📌 Best For: Travelers and those who need seamless claims and global protection.
5. Servify Mobile Protection Plan
🔹 Coverage: Accidental damage, liquid damage, and manufacturer defects.
🔹 Premium Cost: ₹899 – ₹3,999 per year.
🔹 Claim Process: App-based claim filing, fast settlement process.
🔹 Additional Benefits: Official partnerships with top smartphone brands.
📌 Best For: Users who own high-end devices and want brand-authorized service.
How to Choose the Right Mobile Insurance Plan?
Before purchasing mobile insurance, consider these factors:
✅ Coverage Type – Does it cover accidental damage, theft, and warranty extension?
✅ Premium Cost – Choose a plan that balances affordability and benefits.
✅ Claim Process – Look for hassle-free, paperless, and quick claim settlement.
✅ Deductibles & Exclusions – Check if there are hidden charges or claim limits.
✅ Brand Partnerships – Some insurers collaborate with smartphone brands for genuine repairs.
💡 Tip: If you travel frequently, opt for a plan with international coverage.
How to Buy Mobile Insurance Online?
Buying mobile insurance is simple and can be done in a few steps:
- Compare Plans Online – Use platforms like Acko, Bajaj Allianz, and OneAssist.
- Check Policy Inclusions & Exclusions – Ensure it covers accidental and theft-related damage.
- Enter Device Details – Provide IMEI number, purchase date, and phone model.
- Choose Premium & Payment Mode – Select a suitable plan and make the payment.
- Receive Policy Confirmation – Download your policy and store it for future claims.
📌 Example: Rohan bought an iPhone 14 Pro and opted for OneAssist insurance online in minutes, securing protection against accidental damage and theft.
Common Myths About Mobile Insurance
🚫 “My Manufacturer Warranty is Enough” – Most warranties don’t cover accidental damage or theft.
🚫 “Claims are Rejected Often” – Reputed insurers have high claim approval rates.
🚫 “Mobile Insurance is Expensive” – Plans start as low as ₹399 per year.
🚫 “It’s Complicated to File a Claim” – Online claims are now quick and paperless.
Final Thoughts
Investing in a mobile insurance plan in 2025 is a smart move to safeguard your expensive smartphone. With various affordable options, hassle-free claims, and added benefits, you can enjoy peace of mind knowing your device is protected.
🔹 Do you have mobile insurance? Share your experience in the comments!