VTB phone insurance: features, insured event, "pitfalls", reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The phone today for many is not just a device for making calls and sending SMS messages. This is an organizer, media player, mobile bank, a full-fledged alternative to a bank card and personal data storage. For us, a malfunction or a sudden loss of such a device will be very painful, taking into account the cost of the smartphone itself - many people can buy this equipment only on credit. Therefore, buyers, without hesitation, agree to the consultant's offer to insure their gadget. Here we will tell you the whole truth about VTB phone insurance, an insured event, a statement about its occurrence.

Program "Portable+"

The VTB Insurance product, specially designed for smartphones, laptops, tablets, cameras, camcorders and other portable equipment, has a similar name - "Portable+". It can be purchased at M. Video stores,"Know-How", "Euroset", "Eldorado", "Svyaznoy" immediately when buying a brand new smartphone.

VTB phone insurance is quite attractive for many buyers. The company offers you to compensate for the damage in the following case:

• Mechanical damage to the device.
• Theft, robbery, robbery, hooliganism.
• Drowning, flooding, destructive influence of other liquids.
• Fire, explosion.
• Debiting large amounts of money from the number when the device is stolen.

What about the occurrence of an insured event? What should you know?

VTB phone insurance: insured event

In order to compensate for the damage in case of any trouble that occurs, you need to act exclusively according to the plan offered by the insurer himself:

1. Do not try to somehow fix the device yourself.
2. Call the number listed in your contract and tell the operator in detail about everything that happened. False information will be used against you.
3. Depending on what happened to the device, you need to report it to the appropriate authority no later than 24 hours from the moment of the incident: internal affairs authorities, fire service, emergency services, Ministry of Emergency Situations, mobile operator.
4. After that, you need to contact the warranty service center, where they will assess the damage caused to your gadget.
5. Then you need to provide the insurance companya complete package of documents is required: a copy of the insurance policy, warranty card, passport of the insured; originals of documentation confirming your purchase of the phone (cash and sales receipt, receipt, slip, account statement - the main thing is that the document provided can accurately determine the name of the gadget, its cost and date of purchase), documents from the competent authorities, a statement of the occurrence of insurance the case with your signature, indicating the date of compilation and bank details; conclusion of the service center, where the IMEL of the device or its service number is indicated, an exact description of all detected damages, the cost of damage, a certification seal.
6. After you provide VTB Insurance with all the documents, within 15 days the identified amount of damage will be credited to the bank account you specified in the application.

As you can see, it takes a lot of effort to get VTB phone insurance compensation.

Compensation denied

The insurer may rightfully refuse to compensate you for damage if:

• Replacing the firmware (software) carried out independently or not in the official service center, after which the gadget stopped working.
• Battery failure - not holding a charge.
• Sticky buttons.
• Poor touchscreen response.
• The device's speaker is not working properly.
• Not recognizing the SIM card by the phone.
• Broken charging connector.
• Selfrebooting or shutting down the device.
• Unable to connect to the internet and/or download applications.

VTB phone insurance reviews

If we analyze customer reviews of an insurance product, we can identify the following dissatisfaction:

• Not all mechanical damage is recognized as an insured event.
• It is difficult to get a refund of the insurance amount during the "cooling off period" (5 working days from the date of purchase, when the customer has the right to refuse the product and get the money spent back).
• Without providing all the documents from the list (even the box from the device), compensation will not be paid.
• The amount of damages is less than indicated.
• Refused compensation for theft.

Pitfalls

Unfortunately, most reviews about phone insurance at VTB are negative. But in a number of cases, there is also the fault of the insurers - they were inattentive to the terms of the contract, unlike the company. Therefore, we urge you to focus on the following:

• Report the insured event to the operator without unnecessary details, emotions - clearly, understandably and concisely. It is better to plan the conversation in advance. Water got into the phone, the device fell and crashed - no extra stories.
• Speak the truth. If you are caught in even the slightest lie, there will be no chance of compensation.
• With mechanicalIn case of damage, damages will only be indemnified if the damage interferes with the operation of the smartphone. Scratches, chips, cracks in the body are not included here.
• It is difficult to prove the theft. Pulled out of the bag, pocket - this is not an insured event. Maybe the phone fell out by itself?
• Your policy does not come into effect immediately on the day of purchase, but from the date that is written in it. It could be in a week or a month.
• If for a good reason (not close location, lack of funds) you cannot contact a licensed service center for damage assessment, notify the company about this statement - in some cases they will meet you and compensate for the damage without such an assessment.

That's all we wanted to tell you about phone insurance at VTB. The "Portable+" program is a good option if you are buying a phone for a child, since if all the rules are followed, it is realistic to receive compensation for mechanical damage. But the fact of theft here is almost impossible to prove.