If Device Insurance for your phone and smart devices

Why If is a good choice

Benefits of insuring your devices with us

Insure devices up to 6 months old
All-round protection

If Device Insurance will be a trusted partner in various unexpected situations, such as when your device:

Is stolen or taken during a robbery

Is accidentally damaged, suffers internal failure, or is totally destroyed

Gets lost or stolen and ends up in the hands of a fraudster who uses it for fraudulent payments

Did you know you can adjust your policy to suit your needs?

To feel even more secure, you can include the following optional risks in your policy:

Loss of phone

Device invoices

Find out more about what you can include in your device insurance policy!
Replacement phone

If your phone needs repairs after an accident, don’t worry – everything will keep running smoothly. After our repair partner evaluates your device’s condition, they can provide a replacement phone for the repair period – just let them know you would like one.

Easy repair process

When your device needs fixing, convenience matters. Just drop it off at a Smartpost point and send it to our repair partner.

Worldwide protection for your device

We know how important it is to feel at ease wherever you are – at home, on your way to work, at school, or even traveling abroad. That’s why our device insurance is your trusted companion not just in Estonia, but almost anywhere in the world.*

*Please note that exceptions apply to Russia, Belarus, and Ukraine.

Device accessories are insured too

Your device isn’t the only thing that matters – its accessories do too! That’s why your charger, earphones, case, and more are insured along with your device. Yes, even your favorite phone case!

Protection against fraudulent payments

With fraud becoming more common these days, it’s extra important to protect yourself. That’s why we have included the "Protection against fraudulent payments by third parties" coverage in our device insurance – for example, if your device is stolen and unauthorized contactless payments are made, we will compensate you for the losses.

Couple in the car taking a selfie with mobile device. Protect your device with device insurance.

What will be insured?

When getting device insurance, you choose the protection that fits your needs best. Just remember to take a moment to review the terms and conditions, so you know exactly what your policy will include.

	Phone	Smartwatch	Tablet	Laptop	Headphones
	Included	Included	Included	Included	Included
	Included	Included	Included	Included	Included
	Included	Included	Included	Included	Included
We will pay indemnity for the repair or replacement of your device if it suffers an unexpected failure due to an internal defect – as long as the issue isn’t already covered by the legally required warranty or any additional warranty from the manufacturer or seller. Important to know! This protection applies to devices that are not older than 36 months.	Included	Included	Included	Included	Included
	Included	Included	Included	Included	Included
	Included	Included	Included	Included	Not included
We will pay indemnity for up to 6 months of financial obligations related to your device in case of unemployment, disability, or death of the policyholder. This includes leasing payments, telecommunication service fees, and monthly subscriptions – up to €300. Important to know! This risk comes with 0 € deductible – you will not need to pay anything extra if something happens.	Optional	Optional	Optional	Optional	Not included
	Optional	Not included	Not included	Not included	Not included
	€60	€30	€60	€90	€30

Calculate price

Terms & Conditions

Current terms and conditions

Device Insurance terms and conditions DI-EE-20251
Product Information Document of Device Insurance 2025/01
General terms and conditions TG-20211

Life happens – and device insurance becomes useful

Curious paws, broken devices

Ever seen those videos of cats knocking things off tables? Maybe your own furry friend has pulled off a similar stunt. If your pet decides to go wild and your device ends up broken on the floor, don’t worry – we’re here to help with accidents like that too.

Kids and devices

Little explorer decided to discover the underwater world in your bath? If your kid drops your phone in the water, don’t worry! If accidents like this happen, we’re here to help you sort it out quickly so you can get back to enjoying the fun.

Coffee meets laptop

Careful with that coffee near your laptop! One of the most common claims? Spills! But if the unexpected happens and you spill your hot coffee on your laptop, you'll be a bit more relieved knowing that your device is insured.

Dropped phone

Phone falls from your pocket during your morning jog? Accidents happen, even during the most careful runs. With device insurance, a quick claim gets you back on track in no time! Don’t worry, we’ll provide a replacement phone while yours is being fixed.

Burglar alert

We cannot control every situation in life, and sometimes people with bad intentions can worsen our day in a glimpse. For example, if your laptop or tablet gets stolen from a locked car, know that this is an insurance case too.

Kitten playing on laptop keyboard - the damage to the device may be not so far away in the situation like this. Device insurance is there to help you then.

What is not an insurance case?

For example, if you leave your headphones unattended at the beach and they get stolen, it would not count as an insurance case. You can find more details in our terms and conditions.

In case of accident

What to do if something happens

If your device is damaged

If your device is accidentally damaged – for example, it has been dropped, had water spilled on it, or has internal defects – our partners will take good care of it and handle the repairs.

Wondering what information you’ll need to submit a claim to our partners? Here’s what you’ll need:

Policy number You can find it in the If self-service or If Mobile Baltics app

Device details Such as IMEI code or serial number, brand, and model – you can find your IMEI code or serial number in the device’s purchase documents

Purchase confirmation documents Invoice, receipt, or any document showing the device’s purchase date, price, and seller

Contact information So our partners can get in touch with you and arrange the repair

Submit a claim
If your device is no longer with you

If your device is no longer with you – whether it was taken during a robbery, stolen from your bag, or lost. Or maybe something else happened that’s not related to external or internal damage – we’re here to help.

Wondering what information you’ll need to submit a claim? Here’s what you’ll need:

Policy number You can find it in the If self-service or If Mobile Baltics app

Device details Such as IMEI code, brand, and model

Purchase confirmation documents Invoice, receipt, or any document showing the device’s purchase date, price, and seller

Contact information Your details – or the device owner's, if you are submitting the claim on their behalf

Submit a claim

Questions and answers

Frequently asked questions about device insurance

How old can my device be to get insured?

We know that in many cases, you can only insure your device within 14 days of purchase. But with If, you can insure your phone, smartwatch, laptop, tablet, or headphones – as long as you bought them within the last 6 months, counting from the start date of your insurance period.

What types of devices can I insure?

With us, you can insure your mobile phone, smartwatch, tablet, laptop, and headphones. Choose the policy that best fits your lifestyle and feel more secure when the unexpected happens.

What is IMEI code?

Every device has its own unique IMEI code – a 15-digit number. You can usually find it in your device’s purchase documents.
To check the IMEI code on your phone, dial *#06# or look it up in the device settings.

If your device does not have an IMEI code, simply use the serial number, which you can also find in the purchase documents.

How long does the device repair take?

In cases related to internal or external device damage, your claim will be handled by our repair partner. Once your device reaches them, they will carefully assess the damage and get back to you within a few working days with the next repair steps.

Please note that when your device needs repairs, we cannot guarantee an exact repair time. However, our partner will do their best to complete the repairs as quickly as possible – so you can have your device back in your hands as soon as possible.

What happens if I lose my device or it cannot be repaired?

If your device is stolen, lost, or cannot be repaired, we will compensate the cost of replacing it with an equivalent device of the same age.
If an equivalent device is not available, we will compensate the cost of a replacement device of similar value.

Please note that depending on the age of your device, a certain depreciation may apply. You can find more details in the Terms and Conditions.

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