Insurance company alpha insurance - reviews. Protection for iPhone: how to insure your gadget and get a refund

When selling a phone, the seller usually gives the buyer a warranty card from the manufacturer, less often - a guarantee from the store. This will make it possible to repair the equipment or return the money if a defect is detected during operation.

But besides this, sellers also offer an “extended” warranty, which in fact is the usual insurance against loss, theft or breakage (when the owner breaks his phone himself). Many consumers would be happy to insure themselves, but do not understand how to prove to the insurance that you have lost your phone. Sellers also can not always enlighten the client in these matters. Let's say you buy insurance. What to do if an insured event occurs?

What to do if your phone is stolen or lost?

Go to the police. To the precinct or to the duty unit. Write a statement, how and under what circumstances you lost your equipment.

Law enforcement agencies should consider your application. There are requirements of Art. 144-145 of the Code of Criminal Procedure of the Russian Federation, providing for a 10-day period for consideration and the obligation to make a procedural decision. After this period, you will be issued a decision to refuse or to initiate a criminal case.

As a consumer, you shouldn't care if you're denied or prosecuted. This decision proves the fact of the loss of your thing. And that is exactly what you need.

The insurance company cannot take a word - it will require confirmation by relevant documents. Attach to the application a certified copy of the decision to refuse or to initiate a criminal case.

Get the insurance either a mark on the copy of the application, or a notification of receipt of the application (depending on the internal regulations of the insurance company).

After reviewing the application, the insurance company must pay you the money within 30 days. Has the payment been made within this period? Write a claim to the insurance company. As a rule, this encourages the internal bureaucratic processes of the insurance company itself to quickly close the issue.

In accordance with Art. 22 of the Law of the Russian Federation “On Protection of Consumer Rights”, the period for considering a claim is 10 days. If the claim remains unanswered, file a lawsuit.

In case of theft, you received insurance compensation, but ... the police found the criminal who stole your mobile. The phone itself was also found. Do I need to return the money to the insurance company?

No. In this case, the insurance company puts forward a counterclaim against the offender. And you are left with compensation, and theoretically with a mobile phone, which will be returned to you by law enforcement agencies after sentencing the kidnapper (what condition the equipment will be in is a separate issue). However, do not rush to rejoice: even after returning to the rightful owner, the mobile phone will be listed in the police database as stolen. It will not be easy to remove this status from him.

What to do if your phone is broken?

If you broke (broken, drowned) the insured phone, first contact the service center and record the fact of the breakdown.

Employees of the center will draw up an act, indicate what kind of damage the equipment received, whether it can be repaired. If yes, what exactly can be done.

With this act, the owner of the broken phone goes again to the insurance company and writes a statement about the occurrence of an insured event, not forgetting to attach proof - an inspection report from the service center.

The insurance company will either pay for the repair of the device, or return the money in the amount of the cost of the phone if the repair is not possible.

So do you need insurance?

The seller insistently offers to purchase insurance. Especially when the phone costs a lot of money. The arguments are very convincing. But whether it's worth the extra cost is up to you. If you lead a fairly calm lifestyle and take care of things, there is a good chance that you will not need insurance.

Please note that the store / seller offering you insurance for equipment is usually financially interested in this. As an insurance agent, he receives an agency fee for each client (for example, 10% of the insurance amount).

Compare the cost of the phone to your willingness to "run" around the authorities and spend time filing applications. Expedient? Then insure. And of course, before you sign the documents, carefully read the terms of insurance!

Alas, there are no truly effective ways to make your smartphone or tablet unsinkable, unbreakable and categorically unbreakable. A factory warranty protects you from manufacturer errors, not your own. However, there is a great opportunity to protect yourself from serious consequences, primarily in the financial sense. Gadget insurance will help get rid of the phobia of a tiled floor and a deep pool; the service in MTS retail is called “Purchase Protection”.

Insurance, unlike a guarantee, will allow you to eliminate a breakdown or compensate for the money spent on a smartphone if you can only blame yourself.

Where and how can I get insurance?

In the MTS store immediately when buying a gadget: just tell the seller about your desire.

What can I insure?

The "Purchase Protection" service is available only for electronic equipment that does not belong to the category of accessories. For example, a smartphone, camera or tablet can be insured, but headphones or an SD card cannot.

How can insurance help me?

In almost any variant of a breakdown that occurred due to your negligence, but at the same time, the broken gadget remained with you.

So, if you dropped your smartphone into the bath, smashed the screen of the gadget, or broke the case by dropping it, this is an insured event. But a device forgotten in a tram does not fall under the “Purchase Protection” service, and if you dropped your phone into the river and couldn’t get it, either.

What if my phone was stolen?

First of all, this is a crime, and therefore the police must first deal with it. However, you may well count on the return of the money spent on the gadget under the “Purchase Protection” insurance, if the police close the criminal case, as a result of the investigation of which the loss will not return to you. In addition, if the phone fell into the wrong hands, this type of insurance provides for the return of funds criminally spent from your mobile account - up to 1000 rubles.

For how long can you get insurance?

Purchase Protection is valid for one year.

Who can take out insurance?

Any adult customer in an MTS retail store. You will need to provide your name, date of birth and mobile phone number.

How much does the service cost?

The cost depends on the price of the device. For example, for gadgets for 5 and 10 thousand rubles, Purchase Protection will cost 999 and 1,299 rubles, respectively. Protection of the Samsung Galaxy S6 Edge smartphone with 128 GB of memory, which costs 49,990 rubles, will cost 3,469 rubles, the iPhone 6S with 128 GB of memory will cost 5,349 rubles.

Taking into account the fact that the replacement of glass on the flagship models of Samsung and iPhone will cost you 10-13 thousand rubles, insurance will help you save a lot even in the first "emergency" case.

What will I get after taking out the insurance?

An insurance policy from VTB Insurance, a partner of MTS, as well as an annex to the policy describing all the conditions for the provision of the service.

How much is my insurance claim?

If the insured item is beyond repair, you will receive the full amount shown on the receipt confirming the purchase of the item. If, for example, the gadget has a broken display, then Purchase Protection will allow you to replace it for free. The very possibility of repair is determined by a certified service center.

What should I do in case of an insured event?

Contact the insurance company:

• by phone 8-800-100-44-40, the call is free throughout Russia;
• by phone 0544, the call is free throughout Russia;
• by phone 8-495-644-44-40, for residents of Moscow and the Moscow region.

Employees of the insurance company will advise you on the next steps. If we are talking about some ordinary trouble, after which the gadget that has become faulty remains with you, you will need to independently take it to any certified service center indicated by the insurance company - there they will either repair the gadget for free or give you a conclusion that repair is not possible. In some cases, you will be asked to repair the device at your own expense, and the insurance company will compensate for the money spent on this. The cost of repairs will be indicated in the conclusion of the service center.

What should I do after receiving the conclusion of the service center?

Contact the insurance company again. You will need an insurance policy, a conclusion from a service center and, very importantly, a receipt that you received when buying a gadget. If the check is lost, the insurance company has the right to refuse service to you.

Instead of a gadget that cannot be repaired, you will either get the same device, or a similar one from the same price category. If the proposed choice does not suit you, you will be refunded the purchase price.

How soon is the issue of reimbursement of funds for insurance or replacement of the gadget considered?

The insurance company makes a decision on payments within 10 days.

Whether there is a some other types of gadget insurance?

Yes. When buying any electronic equipment at MTS, you can also extend its warranty for a period of one to three years - the service is called Additional Service Maintenance (DSS). Such insurance will protect you only against breakdowns for which the manufacturer is responsible - their list is indicated in the factory warranty for the device. Having taken out such insurance at MTS, as a bonus for the first year after purchase, you will be insured against device breakdown caused by a power surge during charging - the usual guarantee does not cover these risks.

How much does a warranty extension cost?

It depends on the period of additional warranty and the cost of the insured device. For example, an increase in the warranty period from one year to three for devices worth 5,000 rubles and 10,000 rubles will cost you 949 and 1,199 rubles, respectively. In order to get two extra years of insurance on the Samsung Galaxy S6 Edge mentioned above with 128 GB of memory, you will need to pay 2,699 rubles, and an additional one-year warranty on the iPhone 6S with 128 GB of memory costs 3,299 rubles.

A brand new device is not only the joy of acquiring a great gadget, but also anxiety. I want it to always be at hand, but at the same time not scratched in the bag, not drowned while fishing, did not fall out of my pocket and not get dirty in the country. It is even more difficult to foresee accidents that the owner cannot influence: damage to the device by third parties, animals or even weather phenomena.

What to do?

Let's start with the fact that the risks of mechanical damage can (and should!) be minimized with the help of accessories, which are in abundance today: cases, bumpers, protective glasses and films, waterproof boxes, etc. But, even if you are a very careful user, it is impossible to foresee everything. If the device is damaged, there are few options: paid repairs or the purchase of another device, which can be very expensive.

For these cases, a tool such as an insurance policy has been developed. Yes, yes, you can insure not only an apartment, car or life, but also goods - and not only from a sudden fall, but also from theft, fire and even natural disasters. Or, if you are sure that sudden damage to your device does not threaten, you can extend the factory warranty.

If the device is damaged, there are few options: paid repairs or the purchase of another device, which can be very expensive.

Types of insurance

If you are afraid that someone (or something) can harm your device, pay attention to the service “Protection of purchase from breakage and damage”. The list of insured events includes external mechanical impact (for example, animals, small children, etc.), liquid exposure, road accidents, robbery, theft, hooliganism and even natural disasters. If your beloved ferret decides that a smartphone is a great toy, or the device is pulled out of a pocket in a transport, all this will be an insured event and a reason to contact the insurance company.

Pay attention!

Insured events include damage associated with an external sudden unforeseen (extraneous) impact. That is, the damage that other people caused to your device, provided that you ensured its safety as much as possible (didn’t take it with you to the shower, didn’t crack nuts with it, didn’t take it apart for spare parts out of interest, didn’t leave it on a bench in the rain and didn’t take it to places combat operations).

How to purchase

If you make a purchase in a store, just ask the employees to take out insurance for your brand new device (they will definitely explain everything to you in detail). Please note: the "Purchase Protection" insurance policy must be issued simultaneously with the purchase of the device (both of these items must be indicated on the same receipt). How to add insurance to an order on the site? It's very simple: once you've added all the items to your shopping cart and proceeded to checkout, click on the "Select Additional Service" link next to the device name.

To add insurance to your order on the site, click on the "Select additional service" link next to the device name.

In the drop-down list, select the type of insurance that suits you, and it will be added to the order. By the way, you can also choose accessories from the link next to it if you suddenly forgot to do it. You can also contact the consultants of the online store by calling the free hotline 8-800-700-43-43 - they will help you choose insurance and place an order. A small bonus for those who place an order on the site and receive it at the office of the online store: insurance can be issued at the time of receipt of the order.

The cost of the policy depends on the price of the product (the more expensive the device, the more expensive the policy), our employees or online store operators will always tell you the exact price. The validity of the insurance is 12 months, and it begins to operate on the 16th day after purchase.

In the drop-down list, select the type of insurance that suits you, and it will be added to the order.

This service can be purchased when buying a phone, smartphone, communicator (GSM), GPS navigator, video recorder, radar detector, e-book, monoblock, laptop, netbook, tablet PC, fitness tracker, smart watch, smart bracelet, sports watch , audio and video equipment, photo and video cameras.

How to use

Be sure to keep the policy itself, the receipt and, if possible, the packaging of the device for the entire validity period. The check confirms the purchase of insurance, and the policy contains contact information and a list of insured events. If such a case occurs, contact the insurance company specialist within seven days (the number is indicated on the policy), give your last name, first name and patronymic, as well as the IMEI of the device (shown on the receipt, or you can see it on the device screen upon request * # 06 # ).

If your beloved pet decides that a smartphone is a great toy, this will be an insured event and a reason to contact the insurance company.

Employees of the insurance company will record the appeal and suggest what actions need to be taken next and what documents (certificates and conclusions) will need to be provided.

As a rule, you will need to contact the Svyaznoy store to transfer the device for diagnostics. Do not forget to take with you a check, a policy and a passport, as well as other documents that the specialists of the insurance company will inform you about. Also try to keep the affected device (its parts) in the form in which it turned out after the occurrence of the insured event.

The specialists of the service center and the insurance company will assess the amount of damage and make a decision on repair or payment of funds. Please note: the total period of diagnostics and repair can be up to 60 working days. After that, you can pick up the repaired device at the Svyaznoy store (if repairs have been made), as well as documents: a conclusion based on the results of product diagnostics and / or an application for payment of the sum insured. With the documents for payment, you will need to contact the office of the insurance company.

The service certificate extends the free repair period by one, two or three years.

Additional Warranty

Another type of insurance is the Service Certificate. Any device is covered by a manufacturer's warranty, usually for a period of one or two years. If during this time it shows a malfunction caused by a factory defect, you can transfer the device to an authorized service center of the manufacturer, where it will be repaired free of charge. If the device breaks on the 367th day after purchase, you will have to pay for the repair. The service certificate allows you to extend the period of free repair by one, two or three years (given that the life span that manufacturers assign to equipment is five years, insurance can be called life-long). Such a certificate becomes valid after the expiration of the factory warranty (one year), and it can be purchased for such devices as a telephone, smartphone, communicator (GSM), GPS navigator, DVR, radar detector, e-book, monoblock, laptop, netbook , tablet pc, fitness tracker, smart watch, smart bracelet, sports watch.

Pay attention!

There are also limitations here, just like with a regular factory warranty. The insured event does not include mechanical damage, violation of the rules and operating conditions, repairs that were not previously carried out at the manufacturer's ACS, or malfunction of accessories.

How to purchase

This certificate can be purchased both simultaneously with the device, and within 30 days from the date of purchase - for this you need to contact the same Svyaznoy store where the device was purchased. The cost of the policy depends on the price of the smartphone and the validity period, that is, insurance for a year will cost less than a “lifetime” guarantee.

How to use

If the device shows a malfunction after the expiration of the factory warranty, you must contact the insurance company at the number indicated on the policy and receive instructions on how to proceed. Usually you need to contact the ASC (transfer the device there through the Svyaznoy store) in the same way as in the case of a regular repair under warranty. You must have a check, an insurance policy, a set of apparatus with packaging and a passport with you. If a factory defect is confirmed during the diagnostics, ASC specialists will repair it free of charge. The maximum repair period is 60 days.

When choosing a device, be sure to think about what kind of protection method is right for you.

If suddenly a malfunction manifested itself during the warranty period from the manufacturer and the insured device turned out to be unrepairable, you can issue a return of the certificate.

Comprehensive purchase protection against breakage and damage

This is a one-stop service that includes both a "Purchase Protection against Breakage and Damage" policy and a certificate that entitles you to an additional 12 months warranty against manufacturing defects. The service can be purchased only at the time of purchase (on the same receipt with the device), and its cost depends on the cost of the device.

Pay attention!

Service« Additional service» (Factory Warranty Extension) takes effect:

• for the risk "Impact of electric current" - from the first day following the expiration of the "Purchase protection" service, and until the expiration of the manufacturer's warranty;
• at the risk "Protection against manufacturing defects" - after the expiration of the manufacturer's warranty.

As you can see, we have provided all the options to ensure that both the device and its owner feel under reliable protection. When choosing a device, be sure to think about what kind of protection method is right for you, and be sure to talk to our consultants: they will tell you how much the policy for your device will cost and help you complete the purchase.

07.07.2010, 11:19

Who knows by what criteria they evaluate whether it is necessary to repair or change to a new one?
My iPhone is 2+ years old, I held it in my hand, I didn’t expect that the call and the telephon jumped out of my hand onto the asphalt tile. In the right corner, the glass broke off and cracks all over the screen :((. In the corner where he landed on the asphalt, the glass breaks off slowly and crumbles.
But everything works. Tomorrow should pick up for repair or exchange ??

07.07.2010, 13:49

I guess it's your fault.

07.07.2010, 13:51

well, it's insured..

07.07.2010, 13:56

I also have full insurance for it. (I have a billing phone)

Victoria17

07.07.2010, 13:59

my husband's first navigator was insured, fell, the screen cracked, they replaced it without problems, a friend's phone was insured with something (it was completely his fault), they changed it!

07.07.2010, 14:32

I guess it's your fault.
And you will pay for repairs.
At least I have a phone for a month, I dropped it on the floor and broke the screen. I paid 60 euros for the repair. They refused to change, saying that it was my own fault.

And I think it's my fault :)))). But I won’t pay for repairs :)), insurance covers this.
You probably have Bilovskiy but not insured, so you had to pay.
I'm just wondering if they repair and how is the phone to be repaired or given a new one? Here is an interesting question.

07.07.2010, 14:54

Insurance (if you have it, that is, it is offered when buying and if you bought it), then everything will be free. And what about CHANGING or sending a new one .. I think this refers to the issue of the PERFORMANCE of the device. In my opinion, a friend had 3 cases and each time with an iPhone .. she dropped it into the water .. moreover, three times in a row .. and she was sent a new one every time .. in my opinion she sent the one that was wet and it did not turn on .. and if yours turns on, then I think they will replace the screen.

I also recently handed over my touch screen .. the screen lost its sensitivity .. it was replaced and sent back .. everything works good.

By the way, after falls, as far as I know from my husband (he works with phones), 90 percent that problems with the battery will begin .. it will be discharged faster. Therefore, if there is an opportunity and insurance allows .. ask for a complete replacement .. maybe you can BREAK it somehow :) so that it does not turn on ..

07.07.2010, 15:04

Thanks, that's exactly what I wanted to know!!
I have insurance, I pay 6 euros a month.
I dropped it before, several times, it was scratched there, but somehow it doesn’t matter to me, I continued to use it. Well, here a piece fell out, then of course you need to change it. Thank you for the battery they said, after a fall, he "passed out" a couple of times on his own. Do they need to talk about this issue?

07.07.2010, 15:18

Do they need to talk about this issue?
I think the more you express dissatisfaction with them and that you are now completely unhappy with the purchase, the more likely it will be changed. The screen is broken and falling apart in pieces, the battery starts to drain from falling and does not last more than half a day .. cracks can injure your hand, etc. ...

07.07.2010, 18:47

I think they will do and not change. The display changes without problems, however, like everything else.

Victoria17

07.07.2010, 20:44

07.07.2010, 20:53

Lose everything. Then they will definitely replace it, maybe even with a newer model.

07.07.2010, 21:29

but a tricky question: about the iPhone! when new ones arrive (YyaTrubko 4), another 3gs will be on sale. and I will break my iPhone - which insurance will I get 3gs or 4?:-((|=

07.07.2010, 22:09

julik, so can he dip it? ... so that they definitely change it?

I can’t, my hand doesn’t rise :), I’m so used to it :), it’s a pity.

And it's too late to lose, I already dropped the fax form. Well, we'll see, they'll pick it up tomorrow, then I'll tell you what and how.

07.07.2010, 22:44

stablemak will be changed to a new one. I didn’t have insurance, but just on a guarantee, I also applied for smaller trifles. always gave a new one, even when he himself expected that they would just fix it.

08.07.2010, 11:00

They'll give you a new one. For insurance, you contact the insurance company directly. They do not bother with the repair and immediately give a new one.
If you are still not sure and are afraid that they will repair it - lose it or drown it :)

08.07.2010, 14:04

Thanks for the advice, I couldn’t drown, my hand didn’t rise :), there I had a damaged screen in the corner i, a hole formed and I pressed a little, so the screen turned over and lost sensitivity. All morning today, the alarm clock was yelling, and could not do anything, neither turn it off nor stop it. So I gave it to the courier :)), warned that he yells periodically :)).
It's a pity all the information and only recently downloaded all sorts of programs. I got used to it, but since it happened, it would probably be better, of course, to change it to a new one.
And you get used to good things quickly - it’s boring and unusual that you don’t have all the programs at hand and the Internet on the bus :).

Julik added on 07/08/2010 at 15:29
They'll give you a new one. For insurance, you contact the insurance company directly. They do not bother with the repair and immediately give a new one.
If you are still not sure and are afraid that they will repair it - lose it or drown it
Why don't they bother with repairs? I was told by phone that if it can be repaired, they will fix it, if not, then a new one.
On the one hand, I am very sorry that this happened, in the plans I was going to use it for another year-1/5. But since it happened, I thought that, of course, it’s better to have a new one than if it gets a little sleepy and then it will work poorly.

12.07.2010, 13:18

And I have another question. Who changed the phone for insurance.
When you gave them the old phone, did they tell you that they were sending it for repair, or what did they say at all ??
Today I called to find out how the fate of my phone was, they said they sent it to Apple and they will repair it there, I asked if they could have information whether it can be repaired or how it (the phone in the sense) is at what stage, they said that nothing don't know.
Who was told during the process?

28.07.2010, 09:04

Good morning everyone.
I finally got my phone back today. I have some questions, maybe someone can answer.
So they told me they replaced it with a new one. But they sent it not as new, but simply in a box as after repair. Have on my box from an old phone and on my box different and the serial numbers are also different.
Please answer, to whom they changed the phone, did they send it too ?? As I understood it, if a repair is a repair, and if it’s new, then it’s originally new, that is, in the package and so on.
It's just that we fulfill our obligations every month - in the sense of an account for O2 and insurance, a lot is paid, I would also like to know the rights.
Just where is the guarantee that this is a new phone, and that it will not "buzz" with me in a month, and there the insurance in my contract for the next 12 months does not cover something like that.
thanks for answers.

28.07.2010, 09:33

to turn it on, connect it to the computer on which iTune is installed, and follow the program, you will need to register the phone there)

New or not, you can’t say, but the fact that there are no registrations is still for sure

28.07.2010, 09:35

I turn on and there is a screen with an emergency number and a frame with iTunes

iPhone or what? Then you need to activate it, connect it to a computer with installed iTunes and the Internet.

28.07.2010, 09:56

There is a package for the store with bows and ponytails
and if it is new, then it is originally new, that is, in the package, and so on.
and there is the so-called OEM packaging:
But they sent it not as new, but simply in a box as after repair.

28.07.2010, 09:57

julik, very strange.
They sent me 1 time and my wife 2 times for insurance (she drowned the iPhone 2 times in 2 weeks :)). So they sent the complete set. We have a lot of chargers and headphones in our house :)
Once I sent Apple to repair the phone. They just sent it in a box (in my white) body from the phone. Also new, but no accessories.
The guarantee in case of an insured event started from scratch (as new phones were sent). In the case of repairs at Apple, the warranty was either not extended, or extended for several weeks.

OgreSwamp added on 07/28/2010 at 10:59 AM
I read your message. They sent the phone to Apple for repair, Apple sent a new device (as I did after repair, but in OEM packaging.
It was necessary to "lose" it, there would now be second "ears" and charging :)

28.07.2010, 10:16

Thanks:)))). I completely forgot that it must be registered :))))). I'll have to wait until the evening until I get home to my laptop :((.

28.07.2010, 10:26

julik, you have both.
The warranty is from Apple with all phones. Valid for one year from date of purchase. Free. But the physical damage that you yourself caused does not cover. Now, if for example it stopped turning on, or the button does not work - a warranty case.

The insurance is free and covers everything. It usually works until you pay for it. It’s not Apple that stops, but the insurance company (in my case, Zurich).

28.07.2010, 10:38

It is clear that the warranty is over in any case, I had it for 2 years. And I also have Zurich insurance.

Ps: (that's right, think out loud :), I have an interview at work in 10 minutes, and I have such important problems as finding out why the phone was sent without packaging :))).

28.07.2010, 17:26

To a friend, 3GS was changed to a new, recessed one. Under warranty, there was no insurance.

29.07.2010, 10:15

Dmitry_J, this is rather an exception. The iPhone 3G/3GS/4G has humidity sensors (papers change color when wet). A changed color of a piece of paper is a reason to deny you a guarantee. I just got lucky and got an irresponsible service worker. Or just get rid of 3GS :)

The telephone of a modern person is not a luxury, but an objective necessity. Moreover, the majority can no longer get by with the standard call functions - they need access to the Internet, additional applications and other add-ons that increase the cost of the gadget. Since income does not always allow an ordinary citizen to purchase a new device to replace a broken one, there is a need for a specific insurance product - phone insurance. Mobile insurance can be done at VTB Bank.

How it works?

Smartphone insurance is included in the insurance program covering portable devices - laptops, tablets, camcorders, and other gadgets. In the company "VTB Insurance" this program is called "Portable +".

VTB offers quite attractive conditions to its clients. The insured event under this program is recognized:

• Mechanical damage to the device;
• Theft, robbery, other illegal actions of third parties;
• Fire, explosion, flooding;
• Write-off of large amounts from the account due to fraudulent actions of third parties.

What to do in the event of an insured event

When taking out insurance for any portable device, the client must familiarize himself with the correct sequence of actions in the event of an insured event.

If one of the points is not fulfilled or the registration of the necessary papers is neglected, it will become impossible to receive insurance compensation.

1. Do not try to repair the gadget yourself. Such actions immediately entail the refusal to pay compensation. Do not contact private service centers, familiar “craftsmen” for repairing equipment, etc. If you want to receive an insurance payment, be patient, do everything according to the law.
2. Report the insured event to the insurer. The phone number is always indicated in the insurance contract, as well as on the official website.
3. Tell the operator what happened. Try to avoid unnecessary emotions, unnecessary details, or rude demands. Polite communication will serve as a guarantee of an adequate solution to the problem.
4. Report the event to the appropriate authority, for example, in case of a fire - to the state fire department, about robbery - to the police, etc. The purpose of the appeal is to obtain a supporting document. Therefore, even if it is a natural disaster, you must obtain a document from the hydrometeorological bureau or the Ministry of Emergency Situations.
5. Issue a conclusion on the assessment of damage in the warranty service center.
6. Prepare a complete package of required papers, namely:

• a copy of the insurance contract;
• a copy of the documents confirming the payment of the insurance premium;
• original documents on the purchase of goods (cash or sales receipt, account statement, etc.);
• statement of the alleged insured event;
• a copy of the warranty card;
• a copy of the passport or other identity document;
• original documents from the relevant authorities, indicating the occurrence of an insured event or events that led to its occurrence;
• conclusion of the service center on damage to the insured equipment.

What is not an insured event

• The gadget stopped working after downloading an application or other software;
• The battery charge does not hold or is discharged in an extremely fast time;
• Touchscreen malfunctions;
• Sticky device buttons;
• Problems with detection and recognition of the SIM card;
• Interference or complete malfunction of the speaker;
• Spontaneous shutdown of the gadget;
• Malfunctions in the operation of individual applications, Internet connections;
• Inability to charge the gadget due to a broken charger.

Such malfunctions, of course, upset the buyer, but they are the error of the manufacturer of this device, therefore these risks are not included in the insurance package from VTB.

The consumer has the opportunity for an additional fee to extend the warranty card for the device - a similar service is offered by most salons selling appliances. In this case, the device will be repaired at the warranty center at the expense of the manufacturer.

"Pitfalls" of obtaining insurance on the phone

Despite the seemingly extremely favorable conditions, insurance policies for mobile devices are issued quite rarely. There are several reasons for this.

A number of users plan to replace the gadget in a couple of years, so they do not see the need to insure a device purchased for a relatively short period.

Others rely on reviews about how difficult it is to receive compensation in the event of an insured event. There are indeed some nuances here:

• Not every mechanical damage is recognized as an insured event - if the scratch does not interfere with the normal operation of the gadget, no compensation will be paid;
• In the absence of any document (even the original packaging of the insured gadget), the refund will be denied;
• Damage is often not fully compensated;
• It is difficult to get compensation for theft, because the client needs to prove that the device was actually stolen, and not lost or hidden in order to receive an insurance payment;
• The policy begins to operate strictly from the specified date, and not from the date of purchase of the device. It is possible that the policy is valid from Monday, an insured event occurred on the weekend before it, and it is no longer possible to receive a refund;
• It is extremely difficult to issue a refund of the sum insured within a five-day period (cooling off period) after the purchase. Therefore, if the insurance was imposed by a credit manager, it will not work to refuse it.