Insurance contracts for mobile devices can cover a device or a wide range of devices: mobile phone, touch-screen tablet, laptop, GPS, camcorder, portable player, etc.

If you have insurance multi-risk dwelling, your contract may already cover mobile devices against certain risks and under certain circumstances.

For example, the contract may cover broken risk, but only when the disaster occurs inside your home.

In addition, the guarantee against breakage is often limited to an accident caused by a foreigner element.

Likewise, the Theft Warranty generally only covers theft with break-in.

Finally, in the event of compensation, the insurer may reduce the purchase value of the appliance in proportion to its lifetime.

You should therefore read your contract to find out the extent of home insurance coverage for your mobile devices.

If your vehicle is insured by a contract "all risks", you may already be covered for theft of your mobile device in the car.

However, in many cases, the pickpocketing or door robbery is not included in the guarantees.

In addition, the theft of the aircraft is not systematically covered by the theft guarantee of the vehicle.

Sometimes the insurer offers a special guarantee called vehicle content to cover the theft of the devices in the car.

You should therefore read your contract to find out the extent of the coverage that car insurance offers for your mobile devices.

You can purchase insurance at the time of purchase, from the store, or from a telephone or internet provider.

You can also purchase insurance after the purchase from an insurance vendor (insurance company or bank).

If you have purchased the contract at the time of purchase, you can exercise your right of withdrawal within 30 days calendar days from the date of subscription of this insurance.

If you have purchased the device after the purchase, you cannot withdraw from the contract.

You can only withdraw if you have been canvassed at home or at work.

In this case, you can exercise your right of withdrawal within 14 calendar days from the date of subscription.

In all cases, the contract and the information notice must contain the waiver rules and the procedure to be followed.

In order to be compensated, you must make a declaration of claim to the insurer within the period provided for in the contract.

The delay is usually 5 working days after the date of the accident, and 2 working days in case of theft.

In the latter case, you must also file a complaint with the police or the gendarmerie.

You must provide the insurer with the elements that will allow it to process the claim, and that must be listed in the contract.

These are typically:

• Device invoice
• Description of the disaster (failure, breakage, theft)
• Description of the damage (unavailability, repair cost, replacement cost of the appliance)
• Proof of filing a complaint in the event of theft

The insurer will review your file and inform you of its decision.

While awaiting the decision of the insurer, you do not need to perform repairs if the device is broken or broken.

The termination rules are set out in the contract.

But they have to comply with the law.

When the contract is concluded for one year with tacit renewal, the law allows you to request termination at any time without charge or penalty after the first year of subscription.

Termination takes effect 1 month after receipt of your letter by the insurer.