Best Mobile insurance is needed because the limited manufacturer’s warranty covers only mechanical and electrical defects for a period of 1-year.
The limited warranty from manufacturers do not cover
- Screen damages
- Damage from liquid spills
- Battery and Camera damages
- Speakers, Charging port, Mic or RJ malfunctions
The mobile insurance also saves from the hassle of running for repairs.
Most of the mobile insurance companies in India are insurance service facilitators who have arranged insurance cover with the leading insurance companies in India.
So primarily they will not be responsible for any claim or loss if the insurance company rejects the claim.
Further, protection is for devices purchased in India and that too via authorized sales channel.
Mobile protection or extended warranty condition is based on the information submitted when you register for the insurance. So take utmost care to fill correctly the information like
- Name and address
- Make, model, the serial number of the mobile phone
- IMEI number
- Original Bill with the date of purchase and purchase price
Benefits of Buying Best Mobile Phone Insurance in India
- Insurance helps bear expensive repairing and replacement cost
- Safeguards from theft or damages
- With insurance, replacement of lost or broken smartphone is possible without downgrading to lower models
- Saves from the hassle of running for repairs
4 Best Mobile Insurance Company in India 2022
#1. Syska Gadget Secure

Syska Gadget secure provides mobile protection against damages and theft. The insurance is for 1-year and covers only new mobile phones.
The plans start from Rs. 1199 and can be purchased from the company portal or Amazon.
#2. OneAssist

OneAssist provides protection against accidental and liquid damages for a period of 1-year.
The protection plans start from Rs. 67 per month and can be bought from OneAssist web portal.
#3. SyncNscan

SyncNscan provides mobile insurance for new and refurbished phones for a 1-year period. Plans start from Rs. 249 per month.
The insurance can be purchased on SyncNScan web portal or from Amazon, Shopclues, Snapdeal, Flipkart and eBay.
#4. Times Global Assurance

Times Global provides insurance coverage in India, US, Australia, Europe and the UK for 1, 2 or 3-year.
The protection can be purchased from Times Global web portal and the yearly plan starts from Rs. 2460.
9 Best Mobile Insurance in India 2022
#1. Onsite Go Mobile Insurance
Onsite Go covers protection for electronic devices and home appliances like mobiles, laptops, digital camera, television, AC, refrigerator, microwave and washing machine.
The company covers mobile damages internationally but the smartphones should have been bought in India only.
Risk Covered
- Screen or Display damages
- Spills or Liquid damages
- Extended Warranty
Get Onsite Go Mobile Insurance Now
Activate Protection
The protection plans can be purchased online at the company website or from Amazon. The extended warranty can also be purchased from Croma stores.
The link for activation is sent through email approximately an hour to 48 hrs after the purchase. The details like IMEI, serial number, etc can be filled online, plus you need to upload an invoice to receive confirmation of activation.
The activation needs to be done within 30 days from the date of purchase of the plan.
Plans
The company provides an online calculator to give the best plans. You need to check plans by choosing the device and the price range.
The plan needs to be purchased along with the mobile.
The protection is for a period of 1-year of device life from the date of payment.
You need to purchase within 6 months of buying the devices.
Other benefits
In case of non-availability of pick and drop facility, the company reimburses the cost of repairs.
Click here to buy Onsite Go Mobile insurance from Amazon
#2. OneAssist Mobile Insurance
You can insured your new smartphones against breakages, damages and also get an extended warranty with OneAssist.
All the damaged devices are picked at the doorstep and are eligible for 100% cashless repairs.
In certain cases, the company offers insurance for up to six-month-old smartphones. Insurance against theft is available for selected plans only.
Risk Covered
- Accidental damages and
- Liquid damages
- Extended Warranty
Activate Protection
The protection plan can be activated via Oneassist App or online at the web portal. You need to key in the activation voucher details and submit the request.
On approval, an SMS will be sent and the protection will start once the service is activated.
One Assist protection plan is an annual membership from the date of activation. The protection plan is for devices purchased 7 days prior to the activation date.
The protection plans start at Rs. 67 per month.
To know the premium amount or the plans you need to fill in the purchase date, price and brand details on the OneAssist website.
Other benefits
- Hassle free claim experience
- Free doorstep pick-up and drop
- 24 x 7 seamless assistance
- One Call to block the SIM
- Temporary handset for use
- Docusafe online locker
#3. Acko Mobile Insurance
The cashless Acko mobile protection plan is only for handset purchased on Amazon.
You can purchase Acko protection plan along with the mobile on Amazon.
The plan is not valid on refurbished devices or second-hand devices. The plan is also not available for stand-alone purchase on Amazon or with any other vendor.
Risk Covered
- Liquid damages
- Accidental physical damage including screen damage
- In-Warranty repairs
Specifically not covered in Acko protection plan are theft or loss, wear & tear, damages reported after seven days, damages to accessories including SIM & memory card and unauthorized repair.
Activate Protection
The protection plan is already bundled with certain mobiles to be purchased on Amazon. The plan is pre-activated with the delivery of the mobile phone.
In case the plan and mobile phone are not bought together, then you need to log into the Acko portal using the phone number and register the plan.
In case of mobile replacement from Amazon due to damages or otherwise, you need to share the new IMEI number with Acko. So that the plan benefits are transferred to the new mobile handset.
The Acko protection plan is valid for one year from the date of purchase of mobile.
Since Acko mobile insurance plans come bundled with new mobile purchased on Amazon, there are no additional payments to be done.
However, only one repair can be raised during the plan period and the maximum amount covered is the depreciated value of the device at the time of claim.
Canceling only the protection plan is not possible. Cancellation and refund if any is as per the Amazon policy.
#4. Airtel Secure Mobile Insurance
Airtel secure protection plan is only for airtel postpaid subscribers on all Android and iOS smartphones. The plan is available for all the handsets of age less than one year from the invoice date.
In the case of switching from postpaid to prepaid, the Airtel Secure plan will lapse.
Risk Covered
- Accidental damages and
- Liquid damages
Activate Protection
Airtel Secure plan can be activated through My Airtel App by clicking on the banner and following instructions.
The validity of Airtel Secure plan is for a year from enrollment and the benefits will start post charging of monthly rental.
Airtel gives the flexibility to cancel the monthly membership anytime. The cancellation can be done via My Airtel App or by sending SMS or by calling 155223.
Maximum one claim can be raised during the membership tenure of one year.
The plan has handset damage protection and antivirus protection starting for as low as Rs. 49 per month and is charged monthly along with the postpaid bills.
The plan also includes 2GB cloud storage to backup data.
Other benefits
- Anti-malware protection
- App Advisor for privacy risk, excessive data or battery consumption
- Web protection against phishing and malicious website
- Anti-theft security
- Contact backup
- Block spam calls and SMS
#5. Flipkart Complete Mobile Protection(CMP) Insurance Plan
Flipkart in association with Bajaj Allianz has an insurance plan for mobiles and smartphones purchased through Flipkart.
Risk Covered
- Accidental screen damages
- Liquid damages to screen
- Hardware and software glitches
Activate Protection
The plan gets auto-activated on delivery of the mobile phone and is valid for one year from the date of delivery.
The Flipkart CMP plan’s starting cost is Rs. 99 for 1-year protection with door to door service.
The plan can be added to the cart while shopping for mobile. The plan cannot be purchased separately.
Other benefits
- 10-day guarantee for repairs else Flipkart gives Rs. 500 gift voucher
#6. Warranty Bazaar Mobile Insurance
Warranty Bazaar offers only two plans first the accidental damage protection plan and the other is the warranty shield plan.
Warranty shield plans are for a period of 1,2 and 3 years. Whereas the accidental and liquid damage services for display and screen is for 1 year.
Risk Covered
- Accidental Damage
- Warranty Shield plan
Activate Protection
The protection should be activated within seven days of purchase of the plan. The details of activation and instructions will be sent by the company on the registered email address.
The protection plans can be purchased from the company portal, affiliates or at retail partners.
As such the company does not list the plans but has a calculator for selecting warranty shield plans.
The warranty service plan can be bought anytime within 6 months and the accidental and liquid damage plan can be bought within 30 days of buying the mobile.
Other benefits
- Doorstep services
- Unlimited repairs up to invoice value
- Free Qutrust Mobile health check-up application
- Free Rs. 1 Lakh of group accidental death cover for 1st year
Check out – Best Health Insurance in India 2022
Best Mobile Theft Insurance
#7. Syska Gadget Secure Mobile Insurance
Syska Gadget secure provides services of insurance, repairs, antivirus protection, device tracking and blocking.
Risk Covered
Syska offers damage insurance and theft insurance only on new mobile phones and smartphones. The gadget Insurance policy covers
- Fire and allied perils cover
- Accidental physical damage cover
- Theft and burglary cover
- Fluid and water damage coverage
Activate Protection
To be eligible for insurance you need to purchase Syska Gadget Secure insurance kit and get it registered on web portal within 48 hours of mobile purchase.
Syska Gadet Secure can be purchased online from Amazon.
The insurance will commence after 24 hours of the purchase and will last for 12 months.
The plan details are not available on the web portal.
Prices available on the website are
- For Android OS devices plans start from Rs. 1199 to 2199.
- For Apple iPhones, the plan is only for Rs 4999.
Other benefits
- Antivirus support free for 12 months
- Free download of 3000 movies
- Collection of 100+ free and paid android games
- Music downloads
- Live TV and Magazine
#8. SyncNscan Mobile Insurance
SyncNscan provides cloud-based backup, anti-theft security software and mobile insurance services in association with IFFCO Tokio general insurance.
Insurance is available for new and refurbished phones having a manufacturer warranty.
SyncNscan software is compatible on all 2.2, 2.3, 4 and higher versions of Android, iOS 4 and above and Windows 8.1 and above operating systems.
SyncNscan requires GPRS, 3G or wifi connections for functioning and the services are available worldwide.
Risk Covered
- Accidental damages
- Liquid damages
- Theft by violent means
Activate Protection
The insurance can be purchased online at the company website or from various e-commerce companies like Amazon, Shopclues, Snapdeal, Flipkart and eBay.
To get insured, SyncNScan needs to be activated within 15 days from the invoice date of the mobile.
Activation steps are sent over email for purchases made on the SyncNScan portal. For others, the plan details are shipped along with the mobile handset containing instruction for activation.
The insurance is valid for a period of 1-year from the invoice date of the mobile.
Plans protection plans start from Rs. 249 per month. To know the exact details you need to provide details like mobile number, product type, mobile platform and price.
Other benefits
- Track and delete virus and spams via Spam guard feature
- Remotely access the lost phone
#9. Times Global Mobile Insurance
Times Global is a complete online global platform for mobile, laptop and appliance insurance with coverage in India, US, Australia, Europe and the UK.
The protection plans offered are for both new and used mobile handsets.
Times Global is the only insurer with long term plans of 1, 2 and 3-year plan depending on the cost of the mobile.
Risk Covered
- Accidental damages
- Liquid damages
- Theft/ Stolen within India
- Screen Crack
- Malfunctioning
- Camera or display problem
- Breakdown
Activate Protection
The protection can be bought online at the company website.
For activation, you need to send the copy of the invoice and pic of a smartphone displaying IMEI number to customer support. Post verification you will get a link to activate the plan.
Plans
For smartphones
Year | Mobile Price | ||
20K to 80K | 10K to 20K | 3K to 10K | |
1 Year | Rs. 6720 | Rs. 2280 | Rs. 2460 |
2 Year | Rs. 9800 | Rs. 4320 | Rs. 3750 |
3 Year | Rs. 12,840 | Rs. 5580 | Rs. 4500 |
The protection plans for iPhones are different and starts from Rs. 3720 for a 1-year plan to Rs. 22910 for a 3-year plan depending on the iPhone variant.
Other benefits
- 50% cashback of the third year premium amount as a no-claim bonus
- 25% cashback of the second year premium amount as a no-claim bonus
- Free app to recover information and locating the device
Not Covered under Best Mobile Insurance are
- Illegal mobiles, mobiles or cell phones in course of illegal transport
- Mobile in transit from manufacturer or seller to customer
- Personal data such as contact list, photos, videos and music downloads,
- Customized software, such as personal information managers, ringtones, games or screensavers
- Accessories and cover faceplates
- Losses due to intentional parting or when entrusted to other
- Losses due to intentional, dishonest, criminal or fraudulent acts of self or family members
- Losses due to obsolescence
The list is not exhaustive. Please check with the insurance company for the detailed list of exclusions before buying the insurance.
- Starts by calling customer care or filing online
- Sharing details of damages and uploading required documents
- Initial approval from the insurance company
- Shipping or collection of the handset for repairs in case of damages
- Assessment of the device by Authorised Service center for BER*
- Payment of charges (usually 10% of the invoice value)
- Intimation and delivery of the repaired device
*Beyond Economic Repair (BER) is a case where the device is damaged to an extent where repair is not possible
In cases of theft, you need to file FIR and upload a copy after calling the customer care.
You should not wait after the incident of theft or occurrence of damages but file the claim immediately. Most of the insurance companies have a time limit for claim filings.
Conclusion
The above is the list of best mobile phone insurances in India.
Help me to update the post by sharing details of other best mobile insurance company which you have experienced.

Hello… I would like to know the company who offers insurance for mobile bought outside India.. For eg my brother is going to gift me phone from UAE I stay in India… Which company will offer me insurance for international phones
Mobile insurance companies are selective about providing insurance to handsets purchased abroad.
You can check TIMES Global Assurance that covers smartphones purchased in India and outside India.
Does any company from these listed company provide franchise business .
Your query is not clear.
Apparently OneAssist does not cover damages if it is not caused by external force. The phone slipped from my hand and broke the display. OneAssist paid NOTHING !
The review is good.But please check the reviews of the Times global assurance in other websites like “Mouthshut” and “Quora”.
I would like to know your experience with Times global
Can I buy a insurance for 3 yrs old Mobile
Can general loss (not theft) be covered under insurance ?
Can i buy insurance 15 days after buying the mobile?
Yes, most insurance companies will provide within this time frame
Usually I avoid posting reviews and feedbacks. But yesterday when I got a new iPhone 11 Pro Max from Ora Policy, I literally wanna know people about this company.
I insured my brand new iPhone from Ora Policy from their online portal which I ordered from Amazon in the month of January. I thought m just wasting money on insurance premium but my cousin insisted me to buy insurance of my iPhone coz these expensive gadgets are quite fragile.
On 12th of june in morning hours when I was cycling my iPhone slipped from my pocked on hard concrete road and the display shattered and went off. I rushed to apple service center, they checked and gave me option to replace the device by paying Rs.63000/- including tax.
I was like, shocked..
Then I thought to give a call to orapolicy customer care.( actually I was quite skeptical by that time as I never had mobile insurance experience before).
They listened me carefully and guided me about how to register the claim. Simply I dropped a email, and in next morning I got approval email.
And yesterday I got a new iPhone 11 Pro Max. It was like unbelievable.
And still my Policy is active for remaining tenure.( I opted for 3 year iPhone insurance Plan ).
Can we take insurance after the phone is lost. I bought my phone on amazon and thought insurance is covered and now my phone was stolen. Is there any way to cover my loss to some extent?
Shreya.. It totally depends which insurance company and which plan you have chosen while buying your phone. You should contact insurance company and provide them details.
Hello Pardeep , you wrote a nice and informative article but sir as per my experience the list should be
1. TIMES Global Assurance
2.Orapolicy.com
3.Gadgetpolicy.com
4.Onsitego.com
5.Oneassist
I have taken insurance of TIMES Global Assurance, orapolicy and syska.
I never got claim from syska. And get 3 claims from TIMES Global Assurance company.
Thanks Kunal for your suggestions.. I will keep in mind your suggestions while updating the content.
As per my research Orapolicy is best and Times Global Assurance should be placed on second Rank for Gadget Insurance.
Thanks for your suggestions Mayank..