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Does Home Insurance cover my mobile phone?


If you’ve just purchased a shiny new smartphone, chances are you’ll want more protection for it than the latest hard case can provide. Theft or accidental loss is not uncommon, and accidental or elemental damage can destroy your device, leaving you considerably out of pocket. It can be hard to know which type of mobile phone insurance is best to go with, or even if this item falls under your current Contents Insurance policy

Don’t pay twice

You may already have mobile phone insurance through your telco provider, or you may have credit card purchase protection for your device. If either of those options apply to you it is still worth investigating if your phone is already covered as part of your Home or Contents Insurance. If it is, and you have taken mobile phone insurance from a separate provider then you may be over insured on this item, as it is covered by two different policies when it is within your home.

When you have AAMI Home Contents Insurance, your phone is covered while it’s in your house and the damage is caused by an insured event, as defined by your insurance policy. To make sure you have mobile phone insurance wherever you go, AAMI Portable Valuables Cover is an Optional Cover you can use when you choose Contents Insurance with AAMI. This offers cover for your phone – and other items – for theft and accidental damage while you’re out and about, anywhere in Australia and New Zealand.

Insure the things you take everywhere

Be informed to save money

Be aware of what your policy provides. For example, if the excess you’ll pay for the loss of your phone exceeds the value of your phone then you won’t be getting much value from your insurance. If you’re in doubt about whether it’s worth it, speak to an insurance specialist by calling 13 22 44 and always be clear and honest about the value of your items. They’re obligated by law to provide you with accurate information and are there to help you stay informed about the type of insurance available.

Be proactive to avoid disappointment

Clear, forthcoming communication is the key to any good relationship!

AAMI is always on hand to help you resolve your problem. However, if you do experience theft of your insured items, you’re required to file a theft report to the police within 48 hours of the event and you need to notify AAMI within 14 days. If either of those actions don’t take place, your insurance claim could be rendered invalid and the value of your insurance will be lost.

Enjoy hassle-free assistance with AAMI

We take pride in giving you the help you need, when you need it, with minimal fuss. If you want to find out how our insurance could work out for you call one of our friendly insurance specialists. Alternatively, get a quick online quote through our website.

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Portable Valuables Insurance issued by issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Read the relevant PDS before buying insurance and consider whether it is right for you. Consider the Product Disclosure statement before making a decision about this insurance. Contact us for a copy. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.