Acer technology has made a real impact in the market place over recent years, including with their Android based mobile phone. If you do have an Acer phone, it might be worth thinking seriously about Acer insurance and if so, you may find the following questions and answers to be of use.

What would Acer insurance cover me against?

To be sure, you must read carefully what the policy you’re looking at actually has to say on the subject, as this does vary among providers.

Typically, phone insurance cover may be available for theft, accidental loss and accidental damage as well as breakdown outside the manufacturer’s warranty period.

In some cases, the phone may be taken for repairs. In others, the insurer may replace it within a specified period.

Would there be conditions attached?

Yes. All insurance carries conditions and it is important to both understand them and to comply with any that place a policyholder obligation upon you.

For example, your policy may exclude theft in situations where you left your phone unattended in a public (e.g. open office) area.

Does Acer insurance cover use overseas on holiday or business?

Yes – providing you select a policy that includes overseas cover and some do.

What about if a relative has borrowed the phone and it is stolen?

You may need to read the policy detail to be certain but phone insurance policies may exclude cover for situations when the phone is not in your possession.

What does breakdown cover mean in terms of the manufacturer’s guarantee?

If your Acer phone breaks down while under the manufacturer’s warranty, you should typically expect a combination of the original retailer and manufacturer (or their appointed agents) to deal with the matter for you.

Assuming you are within warranty and have not exceeded the conditions of use, faults may typically be rectified without cost to you.

If your warranty has expired, you may have to pay for repairs yourself and that may prove to be very expensive – unless you have a phone insurance policy ready to help.

Why do policies stress accidental damage cover rather than just damage cover?

If you start to tinker and tamper with the internals of your phone, for whatever reason, there is a risk of damage.

It may be unfair to expect an insurer to pay for such damage in situations where only a qualified repair expert should have been doing the work. Similar logic may also apply where you have broken your phone by trying to fit accessories to it.

Acer insurance typically covers damage, which has arisen for reasons entirely beyond your control – i.e. true accidents.