Why iPhone Users in India Are Starting to Regret Not Having mobile Insurance

Let’s be honest — buying an iPhone in India isn’t a small decision. Whether it’s the iPhone 13 or the latest iPhone 15 Pro Max, you’re likely spending more than what many people pay for a motorbike. It’s sleek, powerful, and beautifully built, but it’s also fragile. And expensive to fix.

Most people don’t realize it until they drop it.

Imagine this: You’re getting out of an Uber, phone in your lap, and as you stand, the iPhone slips. It hits the pavement. Your stomach drops. You pick it up, and yep — spiderweb cracks all over the screen. Welcome to the ₹25,000 repair club.

That’s when you start wondering — should I have taken gadget insurance?

iPhones Are Getting Smarter… and Riskier

Over the years, iPhones have become more powerful — better cameras, faster processors, and even satellite connectivity. But with all that tech comes one reality: the repair costs have also gone through the roof.

A cracked screen can cost between ₹20,000 to ₹30,000. A back-glass replacement is no less painful. Drop your iPhone in water? That’s easily ₹15,000–₹25,000, depending on the damage.

And if your iPhone gets stolen? Well… now you’re looking at a brand-new purchase.

Despite all this, most iPhone users in India skip mobile insurance. Why? Maybe they’ve never needed it before. Or maybe they just didn’t know such a thing even exists here.

So, What Is mobile Insurance, Really?

In simple words, it’s a safety net. You pay a small premium, and if something happens to your phone — a crack, water damage, or even theft (depending on the plan) — the insurance company covers most or all of the cost.

Think of it like health insurance, but for your device.

You won’t use it every day. But when something goes wrong, it saves you from burning a hole in your wallet.

A Real-World Story You Might Relate To

Let me tell you about my friend Rahul. He bought an iPhone 14 Pro last year. No insurance, just the basic warranty. He was careful — always used a case, had a screen guard, the works.

One rainy day, his phone slipped from his hand while stepping off a train. Fell straight onto the platform. The screen shattered, and the camera lens cracked. He took it to an Apple-authorized service center — they quoted him ₹27,000.

No joke. That’s what it cost him.

Compare that to Nidhi, another friend, who had a OneAssist insurance plan. She paid ₹2,800 for the year. Her screen cracked too (it always happens when you least expect it), but she paid just ₹500 as a service charge. That’s it.

Same damage, two very different outcomes.

What Does Mobile Insurance Typically Cover?

Coverage varies by provider, but generally includes:

• Screen cracks due to accidental drops
• Liquid damage (tea, water, rain, etc.)
• Theft or loss (in higher plans)
• Power surge issues
• Back panel or camera damage

Some plans even offer door-to-door pickup and drop-off, so you don’t have to visit any service center.

Common Misconceptions That Hold People Back

Many iPhone users hesitate to buy mobile insurance due to myths:

• “It’s too expensive.” — Plans start as low as ₹999/year.
• “It’s hard to claim.” — Reputed insurers have smooth online claims.
• “I already have a warranty.” — Manufacturer warranties don’t cover accidental or liquid damage.
• “I’m careful with my phone.” — So was Rahul.

Top mobile Insurance Providers in India (2025 Edition)

Provider	Avg. Cost/year	Theft Cover	What’s Great
OneAssist	₹2,499–₹3,499	Yes	Pickup/drop + fast repairs
Servify	₹1,499–₹2,999	Limited	Apple-authorized repairs
OnsiteGo	₹999–₹2,999	Optional	Extended warranty + damage
Digit	Varies	Yes	Covers old phones too

Note: Always check the terms. Some insurers only allow purchase within 15–30 days of buying your iPhone.

But Is It Really Worth It?

Let’s do some quick math.

• You drop your phone once: Repairs = ₹25,000
• You pay for insurance: ₹2,000–₹3,000/year
• Claim processing fee (if any): ₹500–₹1,000

Total savings: Easily 80%+ on repairs. And even more if the phone gets stolen.

And mentally? You’re not stressing every time your phone is on the edge of a table.

What If You Already Own an Older iPhone?

Good news: Some providers like Digit and OnsiteGo allow insurance for devices that are even 6–12 months old. So you’re not out of options.

Just check:

• You have the purchase invoice
• The phone is working properly (they may ask for a diagnostic video)
• No existing damage

It’s still worth insuring, especially if you plan to use the phone for another year or two.

A Closer Look at Claims and Customer Experience

Most insurers today offer:

• 24×7 claim support
• Mobile app-based claims
• Real-time tracking
• Cashless repairs in authorized centers

For example, OneAssist promises a 7-day turnaround for most claims. Servify often arranges repairs via Apple-authorized service centers.

User tip: Always read reviews on Google and Trustpilot before purchasing a plan.

Should You Buy Mobile Insurance Online or From the Store?

Online:

• Often cheaper
• More choices
• Direct comparison

Retail Store:

• Convenience at point of purchase
• May be bundled with accessories (but read the fine print)

Pro tip: Use sites like PolicyZar.com to compare plans, read T&Cs, and purchase in minutes.

Final Thoughts

Look, you don’t need to insure every gadget you own. But when you’re carrying something worth ₹1 lakh in your pocket — something you use for banking, communication, photography, even work — it makes sense to protect it.

Most people only think about insurance after something bad happens. But the smart ones? They plan ahead.

So, if you’ve just bought an iPhone or you’re still using one without coverage, maybe it’s time to stop risking it.

The cost of insurance is low. The peace of mind? Priceless.

Want more smart tips like this? Visit PolicyZar.com and myinsurancedost.com for expert insights, insurance guides, and simple solutions to protect what matters.