From how to insure an engagement ring to whether you’re covered if you leave the house with your jewellery on, here’s some important information about insuring jewellery, watches and more.
Home Insurance
Is my phone covered if I go overseas?
How to get mobile phone cover with contents insurance
Mobile phones can be costly to replace. Here's where you can find out more about insuring your iPhone, Android or other mobile device.
Mobile phones are a vital part of our lives, letting us do everything from stay instantly in touch with each other to browsing the internet – facilitating everything from banking and shopping to getting around town and working remotely
But being so conveniently portable, vital to our lives and expensive to replace opens mobile phones up to both theft and damage. Even when at home, mobile phones are one of the top items burglars look for during break ins.
Thankfully, your phone can be covered as part of your contents insurance policy (as well as by other means), but there are a few things to be wary of to make sure you’ve got the right policy for your individual circumstances.
Portable Items Cover can help protect your phone while you're out and about. Photo: Getty
How to insure your mobile or smartphone
How can I insure my phone? Is my phone covered under my contents insurance policy?
With RACV Contents Insurance (or combined RACV Home and Contents Insurance) your phone may be covered for listed events while it is inside your house. It doesn’t matter whether you have an iPhone, Android phone or another device entirely – they can all be covered under your Contents Insurance*.
However, your contents insurance policy is not the only way you can help protect your phone. You may also have the option of subscribing to a ‘care' type program from the device manufacturer or mobile phone provider.
Single-item insurance also exists which allows you to insure your phone separately to a contents insurance policy. Some credit cards also offer purchase protection which may cover your new phone if the card was used to purchase it.
Consulting the product disclosure statement (PDS) can help determine what your phone may be covered for and whether a certain product is right for you.
What sort of damage is my phone covered for?
Check your individual policy’s PDS to learn about what types of damage your phone may be covered for. Under a Contents Insurance Policy with RACV Insurance, your phone may be covered for listed events whilst inside your home (such as fire, flood, storm and theft).
RACV Contents Insurance also allows you to add Accidental Damage cover as an optional, payable extra. This helps protect your phone should it be accidentally damaged (e.g. if you drop it on your kitchen floor and it breaks). Accidental Damage Cover only covers accidents within your home and an excess of $300 applies.
If you want your phone to be covered for damage, theft or loss while you're away from home, find out if you can add it to your contents insurance policy as a portable item. Photo: Getty.
Is my phone insured when I leave my house?
The nature of mobile phones is that they’re mobile and spend as much time away from home as you do. However, your contents insurance policy may not cover your phone for theft or damage outside your home.
RACV Contents Insurance offers the option of Portable Items cover as an optional, payable extra, which can extend your cover to items that leave the home, such as phones.
Portable Items Cover also helps protect your phone if it is damaged in an open-air area on your property (for example, if it is left outside in the garden and damaged by a storm).
Specialised small business insurance can help to cover equipment (which may include phones) in the case of insured events.
I use my phone as part of my business, how do I insure it?
Specialised small business insurance can help to cover business tools and equipment (such as mobile phones, tablets and laptops) against accidental fire or theft, collision and other perils.
RACV Insurance provides specialised Business Insurance^ for tradespeople, consultants, professionals, retail and hospitality store owners (including market stall holders) and those working in domestic services and repairs.
The easiest way to make an insurance claim is online.
Is my phone covered if I go overseas?
If you have RACV Portable Items Cover your phone may be insured for the full new-for-old amount (up to $10,000) no matter where you travel in the world. There are also lots of ways you can help keep your phone safe while travelling.
How to make an insurance claim with RACV Home Insurance
RACV Home Insurance claims can be made online or by calling 13 19 03.
When an insurance claim is made, you may be asked to supply proof of ownership and value for an item, such as (but not limited to) a receipt, valuation or photograph. Learn more about how to make a RACV Home Insurance claim here.
*The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As distributor and/or referrer, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. RACV Contents Insurance issued by Insurance Manufacturers of Australia Pty Ltd ABN 93 004 208 084 AFS Licence No. 227678. ^RACV Business Insurance issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681.
^RACV Business Insurance issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681
