Your mobile phone is part of your household contents – and is therefore insured against theft at home via your household contents insurance. Incidentally, if you have additional cover for theft outside the home, your mobile will also be insured if it is stolen on the tram or on a night out, for instance.
Please pay attention to the excess, however. If your mobile is stolen, you will generally pay several hundred francs yourself even if you have insurance.
Have you dropped your phone and smashed the screen? Or perhaps you spilled coffee on it. Household contents insurance normally does not cover broken mobile phones. However, most insurers offer additional cover for such cases – such as in household contents policies. As the name suggests, this is a kind of comprehensive insurance for your household contents. It covers damage to your belongings that you have caused yourself – for example if you drop your mobile phone in water. Of course, other electronic devices like laptops and tablets are also insured.
In addition, many insurance companies offer something known as all risks coverage. This protects your household contents – and thus also your expensive smartphone – against all risks. Alongside glass breakage and theft, all risks cover even insures the loss of your smartphone.
Many sellers will offer you insurance for your new mobile directly in the shop. In most cases, however, such policies are not worthwhile. The premiums are usually quite high and then you also have to pay an excess in the event of a claim. As a result, despite having taken out insurance, you can easily end up paying as much as it would cost to repair your phone or even buy a new one without insurance.
Supplementary cover as part of your household contents insurance is more affordable, and will cover all the electrical devices in your household.