Let's count the essential things
in our everyday life. I am sure that our mobile device will stand among top
five crucial things of daily utilities. It is a significant companion of our
daily life as we can't even think about a hassle free day spent without it. It
does not only support a scheduled lifestyle, but also keeps people connected
with the whole world. The significance of mobile phones can be estimated from
the fact that even a mere thought of losing it frightens us.
Our affection towards mobile
phones has made this so valuable that anyone can easily take the benefit.
Several (not every) mobile insurance companies are using the same thing by
endorsing our fear. Mobile Insurance is always a matter of confusion amidst the
smart phone users. One of the prime reasons behind this topsy-turvy situation is
that several mobile insurers have failed to impress their clients by catering
to their services. They have kept their prime focus only on making money
indiscriminately.
Usually, the agents of Insurance
Provider urge you at the time of registration, "Sir/Ma'am, we shall take
care of everything", but start counting conditions at the time of
claim. Facing all such hurdles, we think once about mobile insurance at the time
of buying a new handset. I am not against opting mobile insurance, but I
personally suggest all to inspect as much as you can before taking any
decision. This is just a matter of caution to be careful, ask questions and get
clarification of all your doubts. Here are a few points that you may raise
before your insurance provider.
Proposal Certificate and
Insurance Certificate: If you apply for a mobile insurance, the insurer issues
an Insurance Proposal Certificate. The certificate contains all terms and
conditions of the concerned policy as well as provides brief proof of all your
information that you submitted while applying for insurance. The Insurance
Company verifies your application and gives approval. When your insurance
application will be approved, you will receive an Insurance Certificate. This
certificate is a summary of the contract between you and the insurer. These two
documents are very important and you must make sure that you are receiving
these from your insurer.
Claim Procedure and Exclusions:
May everyone stays away from mishaps. But we all have had problems with our
mobile phones, i.e. Dropping it on the floor, getting it wet, losing during a
journey or in some other ways. One should collect the brief idea about the claim
procedure at the time of buying mobile insurance. One should also gather all
the situations/exclusions, which insurer refuses to cover. Most of the
insurance providers ask money at the time of settling the claim for the sake of
deductibles, but the insurance agents hide the info. It's up to you that how
you tackle the circumstances and accumulate the best out of that.
Role of Insurance Agent in Claim
Procedure: Usually, insurance agents promise to assist you at every step in
claiming your insurance. Once you buy a policy from them, they start giving you
less value because they focus on obtaining newer clients only. Therefore, it is
more important for a consumer to clarify everything before paying money to
them. Basically, most of us are not aware of proper documentation and
methodology of filing claims, deductibles, loss coverage and replacements. The
assistance of Insurance Agent is the most imperative lead for successful claim
settlement.
Track record of claim settlement:
Don't forget to ask/check the company's track record in terms of indisputable
claim settlement. Don't let your Insurance Provider cheat you, in terms of
describing policy before you.
To avoid a troublesome
relationship with your Insurance Provider, you must evacuate all the concerns
initially.
