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Do you need Galaxy S7 Insurance?

Joe Howell's picture

Samsung Galaxy S7 Insurance

If you like the look of the new Samsung Galaxy S7 or S7 Edge, and are thinking about buying one when they hit the shops, you're probably wondering if you should get insurance for it. Mobile phone insurance isn't necessarily for everyone, so here are a few things to think about in order to help you make an informed decision.

How careful are you?

If you know that you can be a bit clumsy, and regularly drop your phone, buying Galaxy S7 insurance might be an obvious choice. For the more cautious among us it can be difficult to weigh up the risks.

A new Galaxy S7 Edge will currently cost you £639 for a 32GB model. Essentially this is the same whether you buy it upfront or get one included in the cost of a mobile phone contract. If you drop it on a hard surface then there's a reasonable chance that you'll crack the glass screen, and replacing this could cost over £150 (based on their current prices for Galaxy S6 Edge screen replacement). Insuring your Galaxy S6 Edge against accidental damage for the year would cost £65.89, and for any claim you made there would be a £50 excess fee. So if you think you might damage your phone at least once in the next year, it could well be cheaper to get insurance rather than pay the repair bill.

Of course if you damage your Galaxy S7 beyond repair or have it stolen, you'll then need to replace rather than repair it. In this situation you'd have to pay another £639, which could be a very hard pill to swallow.

Will you use a rugged case?

It's always sensible to use a case with your phone, even if you have a mobile phone insurance policy. Using a case reduces the risk of causing cosmetic damage to your Galaxy S7 if you drop it (and therefore increases the resale value), but it also makes it grippier and less likely to slip out of your hand. The thinnest, most stylish cases aren't necessarily very protective, and so it's still easy to break the screen if you do drop it from a height. If yopu aren't too worried about looks though, something like the new Otterbox Defender cases are pretty unbreakable and might be a good alternative to insurance.

Do you already have insurance elsewhere?

You could already have insurance through your phone contract, a premium bank account or on your home contents insurance. If you do then it's still a good idea to compare the cost and level of cover to a standalone Galaxy S7insurance policy to ensure that it's right for you. Excesses fees can vary massively between providers, with some being over £100 per claim, and you could also find that claims adversely affect your insurance premiums. You might need to specify details of the phone in order to activate your cover, so if you do buy a Galaxy S7 when it launches and you want to stick with an existing policy, make sure that you inform your insurance provider that you want it insured.

What's next?

If you decide that you need Galaxy S7 insurance you can get a quote from Tinhat by clicking the button below. We have some of the most affordable premiums and lowest excess fees around, so see how we compare today:


Galaxy S7 insurance