If the glasses or smartphones are broken or lost, the trouble is big. Insurance can help. However, caution is advised, warned the Vienna Chamber of Labor (AK) on Monday.
Between November 2024 and March 2025, the advocacy of interests contacted the mobile phone companies A1, Magenta, Samsung, Drei, Apple and the opticians Fielmann, Wutscher, Hartlauer and Pearle.
The conclusion: tempting tariffs are sobering with closer look, because there are sometimes high deductibles and performance restrictions. It is advisable not only to pay attention to the premium, but also to cover committees, self-residents, termination conditions and deadlines, the AK experts advise.
With cell phones there is a wide range of insurance offers. They differ primarily in whether theft/loss is also insured or not. The monthly premiums are between 7.99 and 11.49 euros for a 600 euro cell phone. The price range is large for the self -retained – from 20 to 129 euros.
“Protection is holey”
“Consumers are often suggested to an all-risk cover, but protection is holey,” says AK consumer protector Christian Prantner. Often theft and loss would have to be insured extra, and damage to wear parts or optical scratches are explicitly excluded. As a result, the right to compensation is quickly lost. In the event of a tariff, the contract ends in two damage cases per year. Complaints with the AK regularly showed that insurers rejected the cover after damage.
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Image: private
Source: Nachrichten
