Your smartphone optimally protected

The most common smartphone damages and how nextsure helps

Modern smartphones are technological masterpieces, but they are also susceptible to a variety of damages. A careless moment is all it takes for the expensive device to get damaged. The nextsure smartphone insurance offers you comprehensive protection against the financial consequences. Among the most common causes of damage that we cover are display breakage and glass breakage, often caused by falls. Our insurance covers the costs for professional repair or replacement of the display. Water damage from spilled drinks or rain is also a common annoyance; nextsure covers this too, ensuring proper drying, cleaning, or, if necessary, a device replacement. Battery defects, which often occur shortly after the manufacturer's warranty expires, or damage due to user error, are further risks our insurance covers. Additionally, loss due to robbery and burglary is covered, provided a police report is filed. With nextsure, you are optimally protected against these everyday dangers and benefit from a quick, uncomplicated claims process, so you can enjoy your digital life with peace of mind.^[1]

Customised smartphone protection

Battery defects: Performance in the event of technical battery malfunctions.

Worldwide: Your coverage applies globally when travelling.

Discover the benefits of our smartphone insurance^[1]

Screen Damage: Costs, Repair and Insurance Coverage in Detail

A cracked display is one of the most common and frustrating damages to a smartphone. The cost of a repair, especially for high-end models, can quickly amount to several hundred euros. The nextsure smartphone insurance is your reliable partner here. We cover damage caused by falls, impacts, or pressure that lead to a cracked, shattered, or non-functional display. In the event of damage, we organise a quick and professional repair by certified specialists using original replacement parts or equivalent components. This ensures that the functionality and often the manufacturer's warranty of your device are preserved. If a repair is not economically viable, we examine the possibility of a replacement or compensation. Find out about our tariffs to find the optimal protection for your smartphone display and protect yourself from unexpectedly high repair costs. Investing in mobile phone insurance often pays off with the first damage.

Water damage to your phone: Immediate measures and insurance coverage

Water damage can quickly mean the end for a smartphone if not dealt with promptly and correctly. Whether it's rain, a spilled glass, or an accidental dip – liquid inside the device often leads to corrosion and short circuits. Immediate action: switch off the device immediately, do not charge it, and dry it externally. Do not attempt to dry it by vigorous shaking or using a hairdryer. The nextsure smartphone insurance comprehensively covers such liquid damage. Report the damage to us digitally as soon as possible. We will handle a professional diagnosis and, if possible, a proper repair at a specialised workshop. This often includes a special cleaning and drying of the internal components. If a repair is no longer possible or economically unviable, our replacement provisions, such as providing an equivalent replacement device, apply. This way, you minimise the risk of total loss and can soon use your smartphone again.

Theft protection for your smartphone: What does the insurance cover?

The loss of a smartphone through theft is not only financially frustrating but often also means the loss of important personal data. The nextsure smartphone insurance offers tailored protection for this as well. Our plans can optionally include comprehensive theft protection, which covers robbery (theft under threat or use of violence) and burglary (e.g., from a locked car or home). In the event of theft, it is important to report it to the police immediately and block the SIM card. With the police report and the necessary documents, you can then report the theft to us. In the event of a claim, we usually reimburse you the current value of your device or provide you with a replacement device of the same type and quality, depending on the exact terms of the contract. Simple theft (trick theft, loss) is often not covered or only under certain conditions; please check the details of your chosen plan for this. With nextsure, you are better prepared against the financial consequences of theft.

Battery issues and battery protection: When does smartphone insurance apply?

The battery is one of the most heavily used components of a smartphone, and its performance naturally decreases over time. It becomes annoying when the battery loses significant capacity shortly after purchase or just after the manufacturer's warranty expires, discharges unusually quickly, or even shows defects such as bulging. The nextsure smartphone insurance can be helpful even in such cases, particularly when it involves a technical defect or premature, excessive performance drop not due to normal wear and tear. Our insurance conditions clearly define the circumstances under which battery damage and defects are covered. For example, this may include covering the costs for a professional battery replacement if the battery capacity falls below a defined threshold within a specific period. This ensures that you can continue to reliably use your smartphone even with battery issues, without having to fear unexpected costs.

Worldwide Protection: Your Smartphone Insurance While Travelling

In a globalised world, the smartphone is a constant companion, even when travelling abroad. Whether on holiday or a business trip – the risk of damage or theft is present everywhere. The smartphone insurance from nextsure generally provides you with worldwide protection. This means that the agreed insurance benefits also apply if the damage occurs outside of Germany. Whether a display break on the beach of Mallorca, water damage during a monsoon shower in Asia, or theft in a metropolis – you can rely on your insurance coverage. It is important to take the necessary steps in the event of damage, even abroad, such as reporting theft to the police. You can conveniently submit a damage report to nextsure digitally from anywhere in the world. Check the exact conditions of your policy regarding the duration of coverage and any specific regulations for stays abroad to ensure that you are always optimally protected.

Replacement Value vs. Current Value: What Does This Mean for You?

In the context of compensation for damage, the terms replacement value and current value play a central role. The nextsure smartphone insurance is transparent in its service descriptions. A replacement value compensation means that in the event of a total loss or theft, you receive the amount required to purchase a brand-new device of the same type and quality. This often applies for a certain period after purchasing the insured smartphone. The current value, however, takes into account the previous usage duration and the associated depreciation of the device. The compensation then corresponds to the value the smartphone had immediately before the damage occurred. Many of our plans offer replacement value compensation in the first few months after purchase, which then shifts gradually or at a specific point to a current value compensation. These regulations are clearly outlined in your contractual terms. Understanding these terms helps you correctly assess the performance of your smartphone insurance and to know exactly what to expect in the event of a claim.

Here's how reporting a claim works with nextsure

In the event of a claim, quick and straightforward processing is crucial. At nextsure, we have fully digitised and customer-friendly the claims reporting process. As soon as damage occurs to your insured smartphone, simply log into your personal customer portal on our website. There you will find an intuitive online form where you can provide detailed information about the incident and the device. If necessary, upload photos of the damage or required documents such as the purchase receipt or a police report (in case of theft) directly. After submitting your report, you will immediately receive an acknowledgment of receipt. Our experts will promptly review your claim and inform you about the next steps, whether it is arranging a repair, sending a shipping label for the device to be sent in, or organising a compensation payment. This digital process saves time, is transparent and allows us to assist you as quickly as possible.

What devices can I insure with the nextsure smartphone insurance?

Not only new devices, but also high-quality used or refurbished smartphones can represent a significant value and are susceptible to damage. Therefore, the question of whether smartphone insurance for used devices is worthwhile is justified. nextsure also offers insurance coverage for used smartphones under certain conditions. The key factors are usually the age of the device since the original purchase date and its condition. Often, the device must be fully functional and free from previous damage at the time of insurance purchase. Insurance for a used phone can make sense, because repairs, especially for the display or in cases of water damage, can be expensive. Additionally, the emotional value is often independent of the device's age. Check the specific acceptance guidelines and rates from nextsure for used devices. We assess the risk fairly and provide you with an appropriate insurance solution for your already used but valuable smartphone, so you can remain worry-free.