Drops & Screen Damage
Certain plans may address qualifying accidental physical damage such as a cracked screen or damage caused by an accidental drop.
Mobile Device Protection
Protection for the device that keeps your day moving.
Mobile device protection can help with qualifying repair or replacement costs when a covered smartphone or other eligible portable device is damaged, lost, stolen or stops working for a covered reason.
Device Protection
Repair or replacement protection
for qualifying covered device losses.
01
Screen Damage
When included by the plan
02
Accidental Damage
Policy terms apply
03
Theft or Loss
When specifically covered
04
Repair or Replacement
Subject to policy terms
Everyday Technology
One small device can carry a large part of your daily routine.
Phones and other portable electronics can be expensive to repair or replace. Device protection may address certain covered losses depending on the product and policy selected.
Coverage can differ between insurance, service contracts and manufacturer warranties, so the details matter.
Device Protection
What may a mobile device policy address?
The causes of loss below are general examples. The issued policy determines which events and devices qualify.
Stolen Device
Portable-electronics insurance may include theft protection when theft is listed as a covered cause of loss and policy requirements are met.
Lost Device
Some insurance products may address qualifying device loss. Loss protection should be confirmed in the actual policy.
Mechanical or Electrical Issues
Certain products may include qualifying malfunction or mechanical failure, subject to the type of protection purchased and applicable exclusions.
Accidental Damage
A cracked screen can turn
an everyday device into a repair bill.
Before Filing a Claim
The type of damage can affect the claim.
Repair and replacement benefits depend on what happened to the device and how that cause of loss is addressed by the applicable protection product.
01
Cause of damage
The policy may distinguish between accidental damage, failure, theft and other causes.
02
Device eligibility
Confirm that the affected device is included under the protection.
03
Deductible or fee
Certain products may require an applicable deductible or service fee.
04
Claim requirements
Documentation and reporting requirements can differ by product.
Know What You Are Buying
Insurance and a service contract are not identical.
Mobile-device products can be structured differently. Read the documents to see what type of protection is being provided.
Portable Electronics Insurance
An insurance policy may provide repair or replacement protection against causes such as damage, theft, loss, malfunction or other covered events.
Issued as insurance
Covered causes are policy-specific
Terms, limits and exclusions apply
Repair or Replacement Agreement
A service contract is a separate type of product that can provide repair, replacement or maintenance under its own contract terms.
Not automatically an insurance policy
Contract terms control the service
Included damage can differ by contract
Repair & Replacement
The claim may lead to repair or replacement.
The outcome depends on the policy, the condition of the device and the administrator or insurer handling the covered claim.
A qualifying device may be repaired when repair is available under the applicable terms.
A qualifying claim may result in a replacement device according to policy rules.
Certain products may use approved repair locations or service channels.
The insurer or administrator applies the contract or policy terms to the reported loss.
Device Repair
Check the repair process,
claim requirements and applicable fees.
Policy Review
Details worth checking before choosing protection.
Covered Causes
Check whether accidental damage, theft, loss or failure are included.
Deductible or Fee
Review the amount you may need to pay when making a qualifying claim.
Claim Limits
Some protection products limit the number or value of claims.
Exclusions
Read the exclusions and conditions that can prevent a loss from qualifying.
When Something Happens
A clear claim process starts with the policy.
Reporting procedures differ between insurers and protection providers. Follow the instructions shown in the documents issued with your coverage.
01
Report the event.
Use the claim channel specified by the insurer or administrator.
02
Provide requested information.
Device and loss information may be needed to review the claim.
03
Review the claim decision.
The applicable policy determines whether the event qualifies.
04
Follow repair or replacement instructions.
Approved next steps depend on the specific product and claim.
Before Selecting Protection
Match the protection to the device you carry.
A protection product should be reviewed alongside the device value, the risks included by the policy and the amount you may pay when making a claim.
01
Check eligible devices.
Confirm the phone or portable electronic device can be covered.
02
Check theft and loss wording.
Do not assume every protection product includes these events.
03
Check claim costs.
Compare applicable deductibles, fees and policy limits.
Getting Started
Start with the device you want to protect.
Device information and the type of protection you want can begin the discussion.
01
Tell us about the device.
Share the device type and other information requested for available protection products.
02
Review covered events.
Check whether damage, theft, loss or failure are included.
03
Review claim costs.
Compare applicable deductibles, fees and policy limits.
04
Read the product terms.
Confirm what is included before selecting the protection you want.
Mobile Device FAQ
Common questions.
Coverage and claim requirements differ by product and provider.
Depending on the product, mobile device protection may provide repair or replacement for qualifying damage, theft, loss, malfunction or mechanical failure.
Not necessarily. Coverage depends on whether accidental screen damage is included by the applicable insurance policy or protection product.
No. Insurance, warranties and service contracts are different types of protection. Each has its own terms and covered events.
No. Theft and loss should be confirmed in the specific product documents before purchasing protection.
Requirements vary by product. Information may include the device type and other details requested by the applicable insurer or provider.
Mobile Device Protection
Keep protection close to the device you carry.
Tell Trinity about the device you want to protect to begin reviewing available mobile device protection options.