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Mobile / Cellular Phone Insurance

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Highlights 

Suitable for cell phone owner/users who can insure their mobile telephone instrument from loss and/or damages under this policy

Scope

The policy for mobile phones provides cover against

  1. Fire.
  2. Riot, strike, malicious damage and terrorist activities.
  3. Theft.
  4. Accident.
  5. Fortuitous circumstances.

Exclusions

Exclusions under the mobile phone insurance policy are

  • Mysterious disappearance.
  • Theft from unattended vehicles, except from fully enclosed car that is securely locked.
  • Theft, loss or damage during the hire or loan to a third party.
  • Mechanical and electronic breakdown or derangement.
  • Overloading and experimentation involving imposition of any abnormal conditions.
  • Damage by wear and tear, vermin, atmospheric or climatic condition or gradual deterioration, inherent defect or from any process of cleaning, repairing or maintenance.
  • Loss or damage due to war or nuclear perils, loss by water or from any water borne craft.
  • Intentional or willful act of the insured party.

Compensation

The insurance cover provides compensation equivalent to the the cost of replacement of the instrument by a new instrument of the same specification and same capacity, including all taxes and duties.

Note: Policy details given are indicative, not exhaustive. Please contact your nearest NIA office for further details.

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