Meet ReCare - A Complete Mobile Insurance Plan

We all love and rely on our phones and for some a break or a loss can be inevitable. Even for the more careful ones amongst us, things can go wrong.

The problem we found is there are so many ways to get mobile insurance through so many means and not a lot of clarity on what level of cover is available in any given situation - especially things like travel. So, we decided to create one plan that does it all.

Meet ReCare Insurance, one policy for complete device protection, providing comprehensive coverage for your mobile phone. Whether you own an iPhone, a Samsung or another phone, ReCare's new mobile phone insurance plan ensures you're protected from many of life’s potential risks.

Consider the potential pitfalls of not having mobile phone insurance:

Accidental Damage: Dropping your phone can lead to costly repairs.
Theft: Losing your phone to theft disrupts your life and finances.
Liquid Damage: Spilling coffee on your device can result in hefty repair bills.

These are just some of the problems people have and with the hefty price tags on today's tech, the last thing you want to be is without a phone and out of pocket. And this is why insurance for us is so important

With ReCare Insurance, you receive complete protection against these issues and more, ensuring peace of mind in your everyday life.

Common risks faced by many users

The risks associated with owning a mobile phone are significant and can vary. Here’s a closer look at common risks our customers and research prospects have reported:

Accidental Loss: It’s easy to misplace your phone during a busy day. Whether left in a taxi or forgotten on a café table, losing your phone can be distressing.
Theft: Mobile phones are prime targets for thieves. They’re valuable, easy to sell, and often contain sensitive personal information.
Accidental Damage: Dropping your phone on the pavement, spilling coffee over it, or even sitting on it can lead to expensive repairs.
Mechanical Breakdown: Internal malfunctions that occur outside of any external damage can render your phone unusable and are often costly to repair.
Cracked Screen: A common issue where a fall or impact causes the screen to shatter or crack, leading to impaired functionality and high repair costs.
Liquid Damage: Exposure to liquids such as water, coffee, or other beverages can cause internal and external damage that is often expensive to fix.

These incidents can disrupt your daily life significantly. Imagine yourself running into any one of the above, how annoying (and frustrating) would it be? But, that's not all.

Replacing or repairing a mobile device without insurance can be financially draining:

High Repair Costs: Fixing a cracked screen or water damage can cost hundreds of pounds.
Replacing the Device: Purchasing a new mobile phone outright if yours is stolen or irreparably damaged is a substantial expense.
Data Loss: Without proper backups, losing your device means losing precious photos, contacts, and important documents.

"Statistics show that 70 million smartphones are lost each year, with only 7% recovered."

It's common for things to go wrong:

Phone Theft: According to recent studies, approximately 183 phones are stolen every hour in the UK. Over 200,000 phones are lost in London alone each year.
Accidental Damage: Nearly one-third of smartphone users will experience accidental damage within the first year of ownership.

The sheer frequency of these mishaps underscores why we've crafted an all-encompassing phone insurance plan. Because let's face it – life happens, even to the most careful among us, and when it does, you shouldn't have to navigate a maze of confusing coverage options.

Insure your phone with ReCare to mitigate these risks effectively and ensure peace of mind.

I've manufacturer warranty. Isn't that enough?

Relying solely on manufacturer warranties, extended warranties or basic insurance plans from network and insurance providers might seem sufficient at first glance. However, these options often fall short when it comes to real-world scenarios.

Limitations of manufacturer warranties:

Coverage Restrictions: Manufacturer warranties typically cover only manufacturing defects and hardware malfunctions. They do not extend to accidental damage, such as drops or liquid spills.
Short Duration: Most manufacturer warranties last only one year. Beyond this period, any repairs or replacements come out of your pocket.

Basic insurance plans from typical insurance or network providers:

Limited Scope: Often the starter/essential plans offered by insurers or network providers exclude common accidents like liquid damage or screen cracks. These incidents are among the most frequent issues faced by mobile phone users.
High Excess Fees: Even when coverage is available, the excess fees can be steep, making it less cost-effective in the long run.

Common accidents not covered:

Liquid Damage: Spilling coffee on your phone or dropping it in water can result in expensive repairs. Standard warranties and basic insurance plans usually don't cover these mishaps.
Screen Cracks: A cracked screen is a common issue that disrupts usability. Basic plans often exclude coverage for screen damage, leaving you with hefty repair costs.

ReCare coverage details:

ReCare offers comprehensive protection that goes beyond basic warranties and standard plans:

Loss: Misplaced your device? We cover accidental loss. Over 200,000 phones are lost in London each year.
Theft: Device stolen? Get a replacement and protection against unauthorised use. With over 50,000 phones stolen annually in London, you're safe with ReCare.
Accidental Damage: Cracked screen? Spilled coffee? Covered, even if it’s not under warranty. Accidents happen, we’ve got you.
Airtime Abuse: Unauthorised use? We cover calls, messages, and data usage. No runaway bills. Just inform your network provider within 24h of theft or loss and you’re sorted.
Worldwide Insurance: Insured in the UK, Ireland, and worldwide for one year. Travel worry-free, protect your device globally. A stress-free year awaits.
Mechanical Breakdown: Battery issues or broken buttons? Covered beyond the manufacturer warranty. We fix unexpected malfunctions.
Cracked Screen: Small crack or full smash, we’ll fix it. Cracked screens are expensive and the most common gadget issue – let us handle it.
Liquid Damage: Dropped in water or spilled drinks? We repair liquid damage. Life happens, we’re here for you.

When you dig into the fine print of typical mobile insurance plans, you might find yourself scratching your head. That's where ReCare comes in. We've cut through the confusion to create and offer an insurance plan that's got your back when life happens to your phone. Because let's be real – even if you treat your device like a newborn, accidents can still sneak up on you.

No more sifting through countless options or worrying about gaps in coverage. With ReCare, you get one simple plan that covers all the bases, from everyday oops moments to those travel mishaps. It's comprehensive protection without the headache.

The combination of the benefits mentioned is what makes ReCare Insurance a standout choice for anyone looking to protect their mobile completely. With this level of protection, you can focus on truly enjoying your device anywhere anytime without having to worry about potential damages or losses.

Simple and easy claims process with ReCare

Filing a claim with ReCare Insurance is designed to be as straightforward and stress-free as possible. Here's how you can navigate the process:

Report the Incident

Lost/Stolen Devices: Contact the police within 48 hours to report the loss or theft of your device. Obtain a crime reference number, which you'll need for your claim.
Network Provider: Notify your network provider within 24 hours to block your device and prevent unauthorised usage.

Gather Required Documents

Completed claim form
Proof of purchase/usage from your network provider
Any other evidence requested by ReCare Insurance

Submit Your Claim

Reach out to Pier Insurance Managed Services Ltd (our insurance arrangement partner) via their claims hotline or email. They will guide you through the submission process, ensuring all necessary information is included.

Approval and Resolution

Upon approval, your claim will result in either a repair or a replacement of your device with a refurbished model that may differ slightly from the original.

Timely reporting is crucial for a smooth claims experience. Ensure you contact the police and your network provider within the specified time frames to avoid complications.

Pier Insurance plays an essential role in supporting you throughout this process. They're there to assist with any challenges that arise, offering expert advice and guidance every step of the way.

Emphasising user-friendly procedures, ReCare aims to minimise downtime and inconvenience, getting you back to your daily routine quickly.

Understanding policies for better coverage decisions

When choosing mobile phone insurance, it's crucial to understand the policy terms and conditions. These details can significantly impact your coverage and ensure you get the protection you need. Here are key elements you should consider:

Review Coverage Limits and Exclusions

Not all policies are created equal. Some may offer extensive coverage, while others have limitations that could leave you vulnerable.

Coverage Limits: Check the maximum payout for repairs or replacements. Ensure it aligns with the value of your device.
Exclusions: Be aware of what is not covered. Common exclusions might include cosmetic damage, pre-existing conditions, or mechanical breakdowns outside the manufacturer’s warranty.

For instance, ReCare Insurance excludes cosmetic damage and large-scale manufacturer defects, but covers accidental and liquid damage, theft, and loss.

Inspect and Understand Excess Fees

The excess fee is an amount you pay out-of-pocket when making a claim. The structure of these fees can affect your decision to file smaller claims or opt for higher coverage.

Standard Excess Fees: Typically based on the device's retail price (RRP). For example, a high-end smartphone might have a higher excess fee compared to a mid-range model.
Voluntary Excess: Some policies allow you to choose a voluntary excess. Opting for a higher excess can lower your monthly premiums but means paying more if you make a claim.

Imagine you're claiming for accidental damage on a premium device with an RRP of £800. If the standard excess fee is £100, that's what you'd pay upfront before insurance covers the rest.

Key Factors Beyond Price

Price is important, but it shouldn't be the only consideration:

Claim Limits: How many claims can you make per year? ReCare allows one replacement per device per year but offers unlimited repairs.
Worldwide Coverage: If you travel often, check if your policy provides protection worldwide. ReCare offers worldwide coverage.
Repair Services: Ensure repairs are conducted by authorised centres to avoid denied claims. ReCare repairs are always done by trusted experts.
Data Protection: Your personal information should be secure and handled in compliance with data protection regulations. We don’t share your information with anyone who is not authorised to provide you support.

Understanding these aspects helps in making an informed choice that goes beyond just the premium cost. It's about finding a policy that provides comprehensive protection tailored to your needs.

By scrutinising these elements, you're not just buying insurance; you're investing in peace of mind knowing that your mobile device is adequately protected through ReCare Insurance.

Protect Your Mobile with ReCare Insurance

Our mobile phones are more than just a device; they’re an essential part of our lives. Whether you're capturing memories, staying connected, or managing work on the go, the importance of having reliable protection can't be overstated.

ReCare Device Insurance offers comprehensive coverage that goes beyond the basics, ensuring your peace of mind, anywhere, anytime.

Why Trust ReCare?

Authorised and Regulated: Our insurance is arranged by Pier Insurance Managed Services Ltd and underwritten by Collinson Insurance, both authorised and regulated by the Financial Conduct Authority.
Award-Winning Insurance: With an 84% acceptance rate, you can trust us to deliver when you need it the most.
Warranty: 12-month warranty on all replacements for peace of mind.
UK-Based Claims Team: Fast, reliable support from Pier’s UK team.
Flexibility: No contracts, 14-day money-back guarantee if you’re not satisfied.

Whether you've just purchased a new phone or are considering better coverage for your current device, opting for ReCare ensures you won't face hefty repair costs or data loss alone. Protect your investment today and enjoy seamless connectivity without the stress of potential risks mentioned above.

Take action and sign up now to get the first month of coverage for free here and secure your devices with ReCare Insurance - because it's not just about device protection; it's about doing life, the way you love to do it!