Got a phone, smartwatch, laptop, tablet, or headphones? Maybe all of them? Life happens – drops, theft, or even “where did I leave that?” moments. That is where device insurance steps in and gives you a peace of mind when you need it most.
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.
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
We will pay indemnity for the replacement of your device if it is stolen or taken during a robbery.
Included
Included
Included
Included
Included
We will pay indemnity for the repair or replacement of your device if it suffers sudden and unforeseen damage – including water damage or overvoltage.
Included
Included
Included
Included
Included
We will pay indemnity for a device of equivalent value if your device is not repairable or if the repair costs exceed its residual value.
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
We will pay indemnity for your device’s accessories if they are affected by the same incident as the device – up to €150.
Included
Included
Included
Included
Included
We will pay indemnity for any illegal costs and payments made within 48 hours after the incident, if your device is stolen or lost and it qualifies as an insured event – up to €1 000.
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
If you choose to add this optional risk, we will pay indemnity for the loss of your phone – for example, if you forget it on public transport, in a taxi, or at a café and it is never found.
Important to know! In case of a lost phone, a double deductible applies: €120.
Optional
Not included
Not included
Not included
Not included
The deductible is the part of the loss you pay yourself in case of an accident.
Important to know! In case of a lost phone, a double deductible applies: €120.
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.
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
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.
Explore our other insurances
Pet insurance
Do you have a cat or dog at home – a beloved companion and family member? In that case their well-being is most probably your priority and if something would happen, you'll do anything for them. Pet insurance becomes useful if, for example, your pet falls ill, damages someone's fancy shoes or goes missing.
Home sweet home! Where there is life, there is a lot going on and unexpected accidents may happen at your home as well as at your summer cottage. In such case a decent home insurance comes in handy.
You have a car? Then you know that MTPL insurance compensates for damage that others caused to you. However, if you get into an accident with a wild animal or cause an accident yourself and your car is damaged, casco insurance is there to help you.