Theft and Damage insurance conditions
When you buy equipment online—whether in a single payment or in installments—you have the option to purchase theft and damage insurance with monthly payments, a 1-year term, or a 2-year term.
If you have chosen monthly insurance, the direct debit is made by the insurer, for a minimum of 12 months with automatic renewal. If you have chosen annual insurance for 1 or 2 years, the amount is charged with the equipment at the time of purchase.
Effective October 27, 2026, the Smartphone and Cell Phone Theft and Damage Insurance policy will include Cyber Insurance at no additional cost. This coverage will protect you against digital risks and fraud.
See the coverage details forTheft and Damage Insuranceand Cyber Insurance.
What does Cyber Insurance cover?
Cyber Insurance offers five types of coverage: Social Engineering, Online Shopping Fraud, Identity Theft, Cyberbullying, and Psychological Support. The coverage limit is €2,000 per year, with a maximum of €1,000 per claim and a €0 deductible.
What Does Social Engineering Encompass?
Reimbursement of amounts transferred as a direct result of an attack, in accordance with the policy.
Social engineering is a scam in which criminals try to deceive people to obtain money, personal information, or access to online accounts. They often use phone calls, text messages, emails, or social media to impersonate banks, companies, family members, or other trusted entities.
Common examples: fake calls from the bank, text regarding orders, urgent requests from family members, phishing emails, or scams involving online purchases and sales.
What Does Online Shopping Fraud Coverage Include?
Reimbursement for purchases made on a fraudulent website or platform, in accordance with the policy.
This happens when a consumer is deceived while purchasing a product or service online. After payment, the item may never be delivered, may be different from what was advertised, or may have been sold through a fraudulent website or ad.
Common examples: mobile phones or computers that never arrive, fake online stores, tickets to nonexistent events, fraudulent vacation reservations, or products that are very different from those shown in the ad.
What Does Identity Theft Coverage Cover?
Legal assistance and estimated costs for restoring identity, accounts, and records.
This occurs when third parties use the personal data of customer without authorization to impersonate him. It can result in financial fraud, the creation of fake accounts, unauthorized access to online services, or the misuse of digital identity.
Common examples: creating fake profiles on social media, misusing personal data to make purchases or sign up for services, unauthorized access to email accounts, or taking over digital accounts.
What Does Cyberbullying Cover?
Legal support for the removal of online content and the protection of rights.
It consists of offensive, intimidating, or humiliating behavior carried out via the internet or digital media. It may involve abusive messages, threats, the sharing of content without consent, fake profiles, or smear campaigns on social media.
Common examples: repeated offensive messages, creating fake profiles, posting photos without permission, spreading false information, or harassment via social media and messaging apps.
What Does Psychological Support Cover?
Sessions with a qualified professional, within the established limits.
Some digital incidents can have a significant emotional impact. This coverage provides access to specialized support following situations covered by the insurance, to help you cope with stress, anxiety, or other emotional consequences of fraud, identity theft, cyberbullying, and other digital incidents.
Common examples: financial loss due to online fraud, digital identity theft, harassment on social media, or compromised personal accounts.