With the monsoon season soaking cities across the country, many people worry: what if your phone gets damaged in the rain? The good news is that mobile insurance can cover water damage — but there’s a catch.
According to Nakul Kumar, founder and chief marketing officer at Cashify, “Water damage from rain or flooding is covered, but only in comprehensive plans.” Basic or standard plans usually exclude liquid damage, and even with coverage, negligence — like using your phone in the rain or a waterlogged area — can void your claim.
What’s Covered, What’s Not
Comprehensive mobile insurance plans generally include:
✅ Accidental and liquid damage
✅ Theft protection
✅ Extended warranty
Standard plans, typically starting around ₹399, cover only screen damage or accidental drops. For water damage protection, you’d need a comprehensive plan, which can cost between ₹1,299 and ₹2,499 or more, depending on your phone’s model.
It’s also worth noting that just because your phone has an IP rating (meaning water-resistant), it doesn’t mean insurers will automatically cover water-related issues. They often exclude damage caused by negligence, like keeping your phone in a damp pocket or trying DIY repairs.
What To Do If Your Phone Gets Wet
If your insured phone takes a hit from the rain, here’s what experts suggest:
- Report the damage within 24–48 hours.
- Provide proof — including the purchase invoice and photos of the damaged device.
- Let the insurer or service provider inspect the device.
If your claim is approved, you’ll get a repair or replacement. If rejected, the insurer will explain why. Acting quickly and sharing timestamped evidence can help smoothen the process, says Kumar.
Tips To Avoid Claim Rejection During Monsoon
Kumar offers some practical advice to keep both your phone and insurance coverage safe:
- Avoid using your phone in the rain, even if it’s just a light drizzle.
- Keep your phone away from damp pockets or bags, as moisture can cause internal corrosion.
- Don’t attempt to dry or open a wet phone yourself; DIY fixes often void warranties.
- Document any damage immediately, with clear photos and location details.
“Insurers expect reasonable care, even during monsoon season,” Kumar reminds. Being cautious now can help you avoid nasty surprises if you need to make a claim later.
In short, if you want peace of mind this monsoon, check your mobile insurance — and remember, staying careful is just as important as staying covered.
