Why you need Insurance
Pitfalls of AppleCare and Samsung Care+
AppleCare and Samsung Care+ do offer your device some protection, but it isn't a comprehensive level of cover.
AppleCare does cover repair or replacement of a product in the event of accidental damage, but only twice in a two-year period. Importantly, AppleCare does not cover you for loss or theft, accessories and fraudulent call/data cover.
Samsung Care+ doesn’t include cover for loss or theft of any kind? As well as this, you also only get four claims over a period of two years
Am I covered by my warranty?
In short, no. If you want to cover for theft, loss, accidental damage and more you’ll have to purchase insurance. Warranties cover the mechanical and software performance of the gadget. Some manufacturers only offer a year-long warranty. Here are some popular gadget manufacturer average warranties:
You're not fully covered under Home Insurance
Your gadget or mobile phone might be covered under your home insurance, but the cover is unlikely to provide you with the protection that you need and there are wide-ranging implications if you need to make a claim.