Insurance

For the broadest coverage, you have two options: all-risk contents insurance with outdoor coverage, or separate gadget insurance. Both usually cover fall damage, water damage and theft. Gadget insurance is often more specific to electronics and sometimes has coverage for loss. Travel insurance covers your device only while traveling.

With new value compensation, you are reimbursed the purchase price of a comparable new device. With the current market value, which is often considerably lower due to wear and tear and aging, you get the current market value. New value is more favorable, but usually applies only to devices younger than a certain age (often 1 to 3 years). After that you switch to current market value.

Not always. Most insurance policies have a deductible that comes off the reimbursement first. In addition, sometimes there is a maximum amount per claim or per year for electronics. Some policies also apply depreciation based on the age of your device. Check this in your policy terms and conditions.

No. Travel insurance covers your device only while traveling, usually outside your residence or outside the Netherlands. For damage at home, you need contents insurance. Also note that many travel insurance policies have a low maximum amount for electronics (often 300 to 500 euros), which for a modern phone or laptop is not always sufficient for replacement, but is sufficient for repair.

New value reimbursement means your insurer will reimburse the purchase price of a comparable new device, not the daily value. This is more favorable, but not all insurance policies offer this. Some reimburse only the daily value or repair costs up to a maximum of the daily value.

That depends on how the theft occurred. Theft by burglary in your home is usually covered under your contents insurance. Theft outside the home, such as pickpocketing or robbery, is often only covered under gadget insurance or extended outdoor coverage. In most cases, you must report it to the police.

Add the desired repair to your shopping cart on our website and click “Get PDF quote.” Not sure what’s wrong, or can’t find the repair? Then stop by or make an appointment at one of our branches. After a diagnosis, we will provide a free quote in many cases.

Yes. Stop by one of our branches for a diagnostic. We will look at your device and prepare a quote that you can use immediately for your claim.

Most repairs, such as a screen replacement or battery swap, are completed within 30 to 60 minutes while you wait. More complex repairs, such as motherboard repairs or water damage repairs, may take longer. After the repair, you’ll receive an itemized bill that you can submit to your insurance company.

Almost always, you’ll need an itemized quote or invoice, a description of how the damage occurred, and often photos of the device. Some insurers also ask for the IMEI or serial number, the original purchase receipt, or in the case of theft, a police report card.

Yes. Upon arrival, we are happy to record the damage for you. Ask our specialists about it when you turn in your device. Would you like to take pictures yourself in advance? Please do so before handing in your device, because after disassembly or repair, the original damage images are no longer available.

This varies by insurer, but usually count on a few days after submitting a complete claim. Faster processing is possible if you provide all documentation complete immediately.

You can file an objection with your insurer. Ask for a written explanation of the rejection and verify that the ground for rejection is consistent with your policy conditions. Can’t figure it out? Then you can turn to the Financial Services Complaints Institute (Kifid), which mediates independently between consumers and insurers.

You can, but discuss this with your insurer first. Some insurers want prior approval or work with established repair partners. Others accept repairs after the fact based on an itemized invoice. In doubt? Then ask ThePhoneLab for a quote first and submit it to your insurer.

ThePhoneLab uses high-quality parts and offers a lifetime warranty for most repairs. For some repairs, you can choose between original or equivalent parts, with a corresponding price difference. Our invoice always shows what type of part was used, so this is transparent for you and your insurance company.