Has your phone been stolen? Then you are very upset! A life without a smartphone is hard to imagine. Just text that you are late or quickly look up the route; your phone is indispensable. And: are you insured for this?
Phone stolen: what now?
When your phone is stolen, it is of course very annoying. Of course you do not want the thief to call at your expense and have access to your personal data. If you just follow this step-by-step plan, you will be reachable again quickly:
- Block your phone
- Block your phone remotely via the computer so that your device cannot be reset to factory settings. It also prevents thieves from getting to your personal information and photos.
- Block your SIM card
- Report the theft to your provider so they can block your SIM card. This way the thieves can’t call with your phone and incur high costs.
- Report to the police Report to the police
- as soon as possible, also in the event of theft abroad. Keep the confirmation of your declaration, you will need this for your AT&T insurance.
- Inform your insurer
- . Contact your insurer. In some cases, a stolen phone is covered by your home contents or travel insurance.
In these cases, your insurer may decide to reimburse your stolen phone:
Your phone was stolen from your house
Has your house been broken into and your phone stolen? Then this is covered by most insurers home contents insurance . A deductible may apply. With us, a stolen phone is always insured and there is only a deductible if you have chosen this yourself. Contact your insurer to make a claim.
Your phone was stolen on the street
Are you on a call on the street and your phone is snatched from your hand? In some cases you can get this reimbursed from your insurer. This usually does not fall under the basic coverage of the household contents insurance, but depending on the insurer, there are options to insure this. With us you can take out optional cover that insures mobile electronics (such as your telephone) outside your home for damage and theft in the Netherlands. You have no deductible. If you are outside the Netherlands you can take out travel insurance.
Your phone was stolen on vacation
Was your phone stolen from your travel bag while on vacation? Or was your phone pulled out of your hand while you were taking a photo of the Eiffel Tower? Then you are entitled to compensation from us travel insurance for your stolen phone and your call credit up to a maximum amount. Additional due care requirements do apply.For example, you should always take your phone with you as hand luggage and you may not leave your phone or bag it is in unattended somewhere. Also, your phone should not be in sight in your car, for example, and you should store your phone properly in your hotel room when you leave the room.
Your phone was stolen in another location
Your phone is also insured with us up to a maximum amount if it is in another building in the Netherlands for a maximum of three months in a row or if your phone is in your car in the Netherlands, Belgium, Luxembourg and Germany. In the event of theft, there must be visible signs of burglary on the building or car. If you have taken out optional coverage for Mobile Electronics with us, the period of 3 months does not apply. There are due care requirements, for example the telephone may not be in sight or you may not leave the windows open when you leave the building. Contact your insurer to check whether this also applies to your home contents insurance.