bidorbuy Smart Cover | Mobile Insurance

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What is bob SMART COVER?

This is an insurance service provided by bidorbuy through Kenya Orient Insurance Limited to cover your mobile devices, specifically mobile phones and tablets with a SIM card. Smart Cover, through Orient Mobile provides compensation for the cost of repairing or replacing a damaged or lost/stolen phone/ tablet.

bob SMART COVER

No one wants to believe that an accident could happen to their mobile phone/tablet; let alone it being stolen or lost. For those who have experienced one of the above, you know the stress and hassle of getting your phone replaced. It is a nightmare; especially the stress of getting a new phone!

Yet there is an easy way to protect yourself from this hassle. bob Smart Cover powered by ORIENT MOBILE; a Kenya Orient Insurance Limited product.

WHAT DOES bob SMART COVER GIVE YOU?

Smartphones are expensive to repair, and the costs can add up quickly. Check out the average repair costs below to see how much you can save with bob Smart Cover.

We protect your smartphone against everyday accidents as well as common malfunctions. You can look at bob Smart Cover as an extended warranty to give you that peace of mind you can't get anywhere else.

  1. Loss or theft of your phone/ tablet assuming you have taken reasonable precautions to keep your device secure. Loss/ theft claims MUST be reported to the police within 48 hours of the loss. If the loss/ theft occurs when you are outside Kenya,please report the incident to the police in the country you are in within 48 hours and get a written report of the same..
  2. Accidental damage e.g. damage caused by dropping the phone/ tablet.
  3. Liquid damage
  4. Malicious damage i.e. vandalism

 

Why should you protect your smartphone?
Phones Are Easy To BreakThey're Expensive To ReplaceCases Aren't Enough
HOW TO INSURE YOUR MOBILE PHONE

¿ The bob Smart Cover Insurance policy can only be bought using internet enabled devices.
¿ The insurance policy covers devices that are not more than two years old and it will be valid for 1 year with an option to renew.
¿ The following select devices are covered by Orient Mobile; Alcatel, Apple, Blackberry, HTC, LG, MI, Motorola, Nokia, Samsung and Sony

Price stated above is for Galaxy S5, please recalculate for your phone.

NOTE: The Premium to be paid is calculated at 8% of the Value of the phone purchased.

Ksh30,000 = Ksh2,400 Ksh40,000 = Ksh3,200 Ksh50,000 = Ksh4,000 Ksh60,000 = Ksh4,800

Please take note of points no. 11 and 4.   

Call Now on

0705 155 932

TERMS & CONDITIONS

1. What incidents are covered by Orient Mobile?
a. Loss or theft of your phone/ tablet assuming you have taken reasonable precautions to keep your device secure. Loss/ theft
claims MUST be reported to the police within 48 hours of the loss. If the loss/ theft occurs when you are outside Kenya,
please report the incident to the police in the country you are in within 48 hours and get a written report of the same..
b. Accidental damage e.g. damage caused by dropping the phone/ tablet.
c. Liquid damage
d. Malicious damage i.e. vandalism

2. Does Orient Mobile also cover the mobile device accessories?
The following accessories will be replaced along with your lost or irreparably damaged device:
a. Standard earphones normally included during the purchase of the device.
b. Charger
Please note that these accessories cannot be insured and claimed for separately from the device

3. What incidents are NOT covered by Orient Mobile?
a. Theft or damage of the device when it is left in an unoccupied vehicle UNLESS the vehicle doors, windows and boot were all
locked and the device was in the boot, glove compartment or under a seat at the time of the incident.
b. Theft of the device when it is left unattended in a place to which the public has access
c. Damage intentionally caused by the policyholder or anyone whom the policyholder has allowed to keep or use the device
d. Manufacturer¿s defects ¿ these should be covered under your manufacturer¿s warranty
e. Battery damage or failure
f. Loss of data and/ or the SIM card
g. Software damage or failure, hardware failure in the absence of physical damage
h. Any damage caused by viruses
i. Unexplained damage i.e. if the damage to the device was not caused by a specific accidental incident e.g. a fall
j. Regular wear & tear and cosmetic damage e.g. chipped paint or scratches
k. Loss of or damage to the phone/ tablet due to an act of terrorism, war or radioactivity
l. Subscription or reconnection costs of any kind
m. Damage for phones or tablets which have been previously repaired UNLESS that repair was done by an Orient Mobile Authorized
Repairer in the course of an Orient Mobile policy period
n. Loss or damage that occurred while the policyholder was intoxicated

4. If I have multiple phones and/ or tablets, can I insure all of them?
Yes. You can register multiple devices using the same National ID or Passport number. However, the cover for each device
will have to be purchased separately and each device will have a unique policy number.

5. If I travel out of Kenya will my phone/ tablet still be covered?
Yes, your phone/ tablet will continue to be covered for the first 30 days of each trip outside Kenya.

6. Is there a limit on the number of claims I can make per year?
Yes, in order to ensure Orient Mobile remains an affordable product, the number of claims is limited to a maximum of two claims per device per year. The 2nd claim cannot be less than 31 days after the 1st claim. Additionally, if a person makes three claims (in total for all their devices) within 1 year, they will no longer be eligible to buy Orient Mobile for any more devices. However, any devices that were insured before lodging the 3rd claim will continue to be covered until the policies expire.

 

7. If I travel out of Kenya will my phone/ tablet still be covered?
Yes, your phone/ tablet will continue to be covered for the first 30 days of each trip outside Kenya.

8. Is there a limit on the number of claims I can make per year?
Yes, in order to ensure Orient Mobile remains an affordable product, the number of claims is limited to a maximum of two claims per device per year. The 2nd claim cannot be less than 31 days after the 1st claim. Additionally, if a person makes three claims (in total for all their devices) within 1 year, they will no longer be eligible to buy Orient Mobile for any more devices. However, any devices that were insured before lodging the 3rd claim will continue to be covered until the policies expire.

9. Can I buy an Orient Mobile policy if I am under the age of 18?
No, you cannot because Orient Mobile is a contract and minors cannot enter into contracts. However, your parent or the adult who has registered the phone/ tablet SIM with the mobile network operator can buy the policy on your behalf.

10. If my phone or tablet is replaced after a theft or irreparable damage, will my new device be covered?
After a device is declared lost or damaged beyond repair, the Orient Mobile cover for that device will expire and you will receive a replacement. Please take a new Orient Mobile policy for your replacement device by following the sign-up procedure in Section B. However, if your phone/ tablet is damaged and then repaired and returned to you, the Orient Mobile cover for that device will continue to be in force and you will not have to register again.

11. If I have an Orient Mobile policy will I have to pay anything additional to have my phone/ tablet repaired or replaced?
If your phone/ tablet is damaged beyond repair or lost/ stolen, your additional cost for replacement of the device will be 10% of its insurance value, minimum KES 1,000. This first portion of a claim which is paid by the Insured is known as Excess. The payment of Excess is a standard practice for most classes of property insurance e.g. motor vehicle insurance, Fire insurance for residential and commercial buildings, insurance for business stock or equipment, etc. This Excess amount will be deducted from the value of the replacement you will be eligible for. For example, if you have insured your phone/ tablet for KES 15,000 and it gets lost or irreparably damaged, you will be given a credit of KES 13,500 (15,000 ¿ 1,500) which you can redeem for a replacement at one of our authorized dealers. However, in case of a damage claim where your device is repaired and returned to you, you will not have to pay an additional amount.

12. How will I know whether my damaged phone/ tablet should be repaired or replaced?
Once you submit your damaged device and all accompanying documents to an authorized outlet, you will receive notification via SMS and email on whether your device will be repaired or replaced. You will receive this notification within 3 working days.


13. When my phone/ tablet is lost/ stolen or damaged beyond repair can my replacement device be of any make & model?
When you are eligible to receive a replacement device, we will send you an email and SMS confirming the amount of your Replacement Limit. This Replacement Limit will be the insurance value of the device less the Excess amount explained above. You can use the amount of the Replacement Limit towards the purchase of any phone or tablet sold by the dealer. You cannot use that amount towards the purchase of an alternative device such as a camera or computer.

14. Can I use my Replacement Limit to get a more expensive device?
Yes. You can pay our authorized dealer in cash for the difference between your Replacement Limit and the price of the more expensive device you want. If, however, you redeem your Replacement Limit for a device that costs less than the amount of your Replacement Limit, you shall not receive a refund.

15. If my Replacement Limit is more than the cost of the replacement phone, can I use the balance towards the purchase of something else at the outlet?
Yes. You can use the balance of your Replacement Limit to get an additional phone, tablet, charger, battery, cover or set of earphones.

16. If I sign up for Orient Mobile today can I make a claim immediately?
When you sign up for Orient Mobile there is a 14-day waiting period for accidental physical damage claims. This means that if your device is damaged within the first 14 days of the policy period, that claim is not payable. However, if your device is lost or stolen, you can claim for it immediately.

17. Does Orient Mobile only cover brand new devices?
You can cover your phone/ tablet under Orient Mobile as long as it was bought in the current year or last year. Orient Mobile covers devices up to a maximum of 2 years. Therefore there are two scenarios: A: If your sign up for Orient Mobile in the year of purchase of your device, you can insure it for 1 year and upon expiry, buy another 1-year policy. For example, if you bought your device in 2013, you can buy an Orient Mobile policy in 2013 and then buy another policy in 2014. B: If you sign up for Orient Mobile in the year after the year of purchase of your device, you can insure it once for 1 year. For example, if you bought your device in 2012, you can buy an Orient Mobile policy in 2013. However, you will not be eligible to buy another policy for that device in 2014.

 

 

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