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

Today, for many, a telephone is not just a device for making calls and sending SMS messages. This is an organizer, a media player, a mobile bank, a full-fledged alternative to a bank card and a 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 manage to buy this equipment only on credit. Therefore, buyers, without hesitation, agree to the offer of a consultant to insure their gadget. Here we will tell you the whole truth about VTB phone insurance, an insured event, a statement about its occurrence.

Portable + Program

The product "VTB Insurance", specially designed for smartphones, laptops, tablets, cameras, cameras and other portable equipment, has a similar name - "Portable +". It can be purchased in stores of M.Video, Know-How, Euroset, Eldorado, Svyaznoy networks right away when you buy a brand new smartphone.

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

• Mechanical damage to the device.
• Theft, robbery, robbery, hooligan actions.
• Drowning, flooding, destructive effects of other liquids.
• Fire, explosion.
• Write-off of large amounts of money from the number when the device is stolen.

What about an insured event? What you should know

VTB phone insurance: insured event

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

1. Do not try to fix it, fix the device yourself.
2. Call the phone number specified in your contract and tell the operator in detail about everything that happened. False information will not be used to your advantage.
3. Depending on what happened to the device, you need to report it to the appropriate authority no later than 24 hours after the incident: the internal affairs bodies, the fire service, emergency services, the Ministry of Emergencies, and the 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 must provide the insurance company with a full package of documents: a copy of the insurance policy, warranty card, passport of the insured; the originals of the documentation confirming your purchase of the phone (cash and receipt receipt, slip, slip, account statement - the main thing is that the submitted document could accurately determine the name of the gadget, its cost and date of purchase), documents from the competent authorities, a statement about the occurrence of insurance a case with your signature, indicating the date of preparation and bank details; the conclusion of the service center, where the IMEL of the device or its service number is indicated, an accurate description of all the revealed damages, the cost of damage, a certification seal.
6. After you provide VTB Insurance with all the documents, within 15 days the detected amount of damage will be transferred to the bank account indicated by you in the application.

As you can see, to get compensation for the insurance of VTB phones, you need to make a lot of effort.

Denial of compensation

The insurer may rightfully refuse to indemnify you for:

• The firmware (software) was replaced on its own or not at the official service center, after which the gadget stopped working.
• Battery malfunction - does not hold a charge.
• Sticky buttons.
• Poor touch screen response.
• Malfunctioning speaker device.
• Phone unrecognized SIM card.
• Damage to the charging connector.
• Restart or shut down the device yourself.
• Inability to connect to the Internet and / or download applications.

VTB Phone Insurance Reviews

If we analyze customer reviews about the insurance product, we can identify the following complaints:

• Not all mechanical damage is recognized as an insured event.
• It is difficult to process a refund of the insurance amount during the “cooling period” (5 working days from the date of purchase, when the client has the right to refuse the product and receive the money spent back).
• Without providing all the documents from the list (even boxes from the device), compensation is not paid.
• The amount of damages is less than indicated.
• Denial of compensation for theft.

"Underwater rocks"

Unfortunately, most reviews about the insurance of telephones in VTB are negative. But in some cases there is the fault of the insured - they did not pay attention 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, clearly and concisely. It’s better to outline a conversation plan in advance. Water got into the phone, the device fell and crashed - without unnecessary stories.
• Speak the truth. If you are caught even in the slightest lie, there will be no chance of compensation.
• In the event of mechanical damage, damage is only indemnified if the damage interferes with the operation of the smartphone. Scratches, chips, cracks in the case do not apply here.
• It is difficult to prove the theft. Pulled out of a bag, pocket - this is not an insured event. Maybe the phone fell out of there myself?
• Your policy does not take effect immediately on the day of purchase, but from the date that is written in it. It can be in a week or a month.
• If you cannot justify a licensed service center for damage assessment due to a good reason (not being close, lack of funds), notify the company of this statement - in some cases you will be met and reimbursed for damage without such an assessment.

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