A Comprehensive Guide to Claiming Mobile Insurance with New India Assurance Company
Mobile phone insurance is a critical aspect of safeguarding your valuable device. New India Assurance is one of the prominent providers in the market, offering a variety of insurance packages to protect your smartphone. If you need to make a claim, there are several steps and essential information you must follow to ensure a smooth process.
How to Make a Claim?
There are generally two methods to initiate a claim:
1. Calling a Claims Advisor
2. Submitting the Claim Online
It's important to check your policy documents to determine which channels are available to you.
Most good providers, including New India Assurance, will not require you to 'jump through hoops' to submit a claim and get approved, as long as the claim is legitimate. The following advice can help you make a smooth claim process:
Details and Honesty Matters
Answer all questions truthfully with as much detail as possible about when and what happened to your device.
IMEI for Verification
Having the device's IMEI number ready is crucial. For most non-Apple devices, you can use '06' to get the IMEI if you're unsure how to find it. Insurers will need it to confirm that the phone you send in for repair matches the one you have insured.
Theft Claim Requirements
In the event of a theft claim, you will need a police incident number (FIR) for the claim to proceed. Most police agencies now enable you to file an FIR online, making the process even more convenient.
Proof of Purchase
Ensure you have proof of purchase such as an invoice or receipt. This is another form of verification that helps the insurer to confirm the authenticity of the device being claimed for. Filing a claim with a different model (e.g., claiming for an iPhone 12 when you insured an iPhone 11) will result in rejection.
Claim Process Steps
Initiating the Claim Process can also be done by contacting the insurance provider via phone, using customer service helpline numbers available on the official website. Alternatively, you can write a physical letter to the insurance company to make a claim.
Collecting the Claim Form and Information
After intimation, collect the claim form and fill in all the necessary information regarding the loss or damage of the mobile phone. Enter the claim amount accordingly. Gather all documents that attest to the claim amount, including invoices, bills, and valuation reports.
Documentation for Theft or Burglary
In case of theft or burglary, a copy of the FIR is required to support your claim.
Time Sensitivity
Beneficiaries should bear in mind that an insurance claim must be raised as soon as possible after an incident. Some insurance companies require individuals to claim within 24 hours of the incident to avail the benefits offered within the cover. For example, borrowers can avail coverage up to 100% of the original invoice value before any discount or voucher is applied. They can also get compensation for costs incurred due to mobile screen replacement for more than one instance of damage.
Further Reading
For additional information on how to get insurance for a mobile phone if you buy it from Flipkart, visit our website for more details.
Note: Always check the specific policy terms and conditions applicable to your New India Assurance policy before making a claim.