Mobile phone insurance (Hepster)

Insurable devices: new, refurbished, and used mobile phones including original accessories, provided that:

• a screen check is carried out within 14 days of the contract being concluded,
• an original invoice from an authorized dealer is available,
• the device can be clearly identified via the IMEI number recorded on the insurance certificate and is fully functional at the time the contract is concluded.

Insured events:

• Drop, breakage, sand, liquid, and weather damage (insofar as use/display/function is impaired)
• Fire, explosion, implosion, power surge, induction, short circuit
• Sabotage, vandalism, intentional unlawful damage by unauthorized third parties
• Operating errors
• Wear on the original battery
• (in the theft variants) theft, burglary, robbery, looting, as well as call charges proven to have been incurred unlawfully in the event of loss through an insured event

Benefit: partial damage → repair costs up to the device's current value. Total loss (or loss through theft in the theft variant) → current value, up to the agreed sum insured at most. Maximum of 2 claims per year.

• The sum insured is based on the phone's original purchase price and can never exceed it.
• The exact sum is stated in the individual insurance certificate.
• Entry-level price from €2.45/month (per the product page, as of July 2026).

• Removable storage media, auxiliary/operating materials, consumables, tools, separately/subsequently purchased accessories, software, devices delivered defective, toys, robots, instruments, hardware add-ons, joysticks, gamepads, steering wheels, cool boxes
• Devices without a known serial/IMEI number
• Devices manufactured/modified to customer specification
• Devices not customarily sold in Germany
• Devices without a completed screen check
• Grossly negligent/intentional acts
• Loss through leaving the device behind, forgetting it, misplacing it, or similar (except for an insured theft event under the theft variant)
• Damage that already existed before the contract was concluded

• No cover without a screen check; if the screen check is failed, display damage is excluded.
• Battery wear: cover applies only after 12 months, and ends at the latest when the device reaches 5 years of age; wear is deemed to exist when the battery delivers no more than 20% of the manufacturer's rated capacity.
• Theft variant: call charges proven to have been incurred unlawfully are covered up to a maximum of €100.
• Monthly subscription: minimum term 12 months, notice period 3 business days before the end of the period. Annual subscription: automatic renewal, same notice period.

• Obligations include: completing the screen check within 14 days; reporting criminal offenses (theft, etc.) to the police within 24 hours; having a cost estimate from an electronics specialist retailer approved by MOIN Servicegesellschaft mbH before any repair.
• Claims reporting via https://hepster.com/de-de/schaden or de@support.hepster.com; customer service +49 (0) 381 / 203 888 00.
• Benefits under the contract are provided in Germany; territorial scope is worldwide.

• Trust seals shown on the product page: Trusted Shops certification, SSL security seal, banking-check.de rating (per the product page, as of July 2026). These are general shop/security seals, not a product-specific insurance test seal.