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In this guide, we highlight the different AMEX credit cards that offer smartphone screen insurance as well as what you can (and can’t) expect from the cover.
American Express currently offers smartphone screen insurance on its American Express Essential, American Express Explorer credit cards and the American Express Platinum charge card.
If you have these cards, you can access the smartphone screen insurance when you use your card to purchase the phone (whether outright or in monthly instalments). You can receive cover of up to $500 if the screen breakage is a result of an accidental drop or impact. You can take advantage of this cover up to twice within a 12-month period.
If you crack the screen on your smartphone, follow these steps to make a claim:
You are eligible to claim cover for a repair price of up to $500 each time your smartphone screen breaks because of an accidental fall or impact. You’re able to claim your phone screen repairs up to two times in a 12-month period, although it’s worth noting that a 10% excess applies for each claim. So if the claim you submitted was for the maximum $500, you’d pay an insurance excess of $50.
The cover does not include the replacement of any parts other than the glass or plastic screen unless the manufacturers authorise an exact replacement by way of a refurbished smartphone of the exact model.
Note that you won’t be able to claim the insurance if the screen breakage is a result of:
If you bought your smartphone with one of these American Express cards, this complimentary extra could save hundreds of dollars on smartphone repairs (or on a smartphone screen insurance policy). However, make sure you understand the policy terms and conditions before you try to make a claim. This insurance currently isn’t available with any other card issuers but this guide will be updated if it is launched anywhere else in the future.
Pictures: Shutterstock
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