Smartphones have become expensive in Pakistan. A flagship phone from Samsung or Apple can cost over three hundred thousand rupees. Even mid-range phones from Infinix and Tecno now cross eighty thousand rupees.
When you spend that much money on a device you carry everywhere, accidents happen. Screens crack. Phones get stolen. Water damage ruins everything.
That is where mobile insurance in Pakistan comes in. This guide walks you through everything you need to know about mobile insurance in Pakistan in 2026.
What Is Mobile Insurance?
Mobile insurance in Pakistan is a protection plan that covers repair or replacement costs when something happens to your phone. The types of events covered vary by provider.
Most phone insurance Pakistan plans cover three main things.
Accidental damage insurance includes cracked screens, broken back glass, and damage from drops. This is the most common claim people file under screen damage insurance.
Theft protection Pakistan covers you if someone steals your phone. Most providers require a First Information Report from the police to process these claims under theft protection in Pakistan.
Liquid damage cover covers accidental spills, drops in water, or any other liquid-related incidents. Not all mobile protection plan Pakistan options have this, so check before you buy.
Some plans also include mobile extended warranties after the manufacturer’s warranty expires. This will cover mechanical failures that are not your fault.
Mobile Insurance Providers in Pakistan
Several companies now offer mobile insurance in Pakistan. Here are the main mobile insurance providers.
Jubilee General Insurance
Jubilee mobile insurance has partnered with Daraz to offer device insurance for phones bought on the Daraz platform. The coverage includes accidental physical loss or damage and theft. Customers can add the mobile protection plan in Pakistan during checkout for a one-year protection plan.
TPL Insurance
TPL provides mobile phone insurance plans. Protects against damage from accidents, theft, and liquid spills. In all major cities of Pakistan, TPL device insurance claims can be made through authorized service centers.
EFU General and EFU Life
EFU phone insurance offers gadget insurance through different channels, including Easypaisa, one of the biggest digital insurance marketplaces in the world. Their plans cover mobile phones and other electronic devices. EFU phone insurance is one of the oldest and most trusted insurance companies in Pakistan.
UBL Omni Insurance
Mobile phone theft is covered by UBL’s mobile insurance package. Rs 1,200 per month covers up to Rs 100,000. In addition to mobile insurance, this UBL plan also covers health care, motorcycle insurance, and glasses insurance.
Zong Mobile Insurance
Customers can subscribe to Zong mobile insurance. It covers accidental damage to mobile screens and theft protection in Pakistan. Zong mobile insurance eligibility can be verified by calling 9362 or using WhatsApp. A PTA-approved phone and an 18-year-old applicant are required.
Mercantile Protection Plan (For iPhones)
iPhone insurance Pakistan is available through Mercantile, the Apple Authorized Distributor in Pakistan. They launched the Mercantile Protection Plan specifically for iPhone insurance Pakistan. The iPhone protection plan in Pakistan covers front screen replacement for accidental cracks, back glass replacement for the latest iPhone models, and liquid damage cover. This is notable because liquid damage is not currently offered by other local providers for iPhone insurance in Pakistan.
The iPhone protection plan Pakistan offers twelve months of accidental damage coverage from device activation. Customers who register also get an extended two-year warranty structure. The plan is only available to customers who buy their iPhones through Mercantile’s authorized retail network.
InstaCare Phone Insurance
InstaCare phone insurance offers protection plans through their platform. They focus on accidental damage insurance and theft protection in Pakistan. Their mobile insurance claim process in Pakistan is designed to be digital and straightforward.
Daraz Device Insurance
Daraz has integrated device insurance into their checkout process. This makes it very easy for online shoppers to add a mobile protection plan in Pakistan when buying a new phone. The insurance is provided by Jubilee mobile insurance and applies to mobile phones at launch.
Easypaisa Digital Insurance Marketplace
Easypaisa has launched a digital insurance marketplace to provide the facility of mobile insurance in Pakistan. The platform sells mobile insurance, health, life, income protection, vehicle insurance, and travel cover. EFU phone insurance, IGI Life, and IGI General are some of the top mobile insurance Pakistan providers supported on this platform.
Ufone Kistpay Takaful Coverage
Ufone offers Takaful coverage for devices purchased through their KistPay installment plan. This is a Shariah-compliant mobile protection plan in Pakistan for those who prefer Takaful over conventional mobile insurance in Pakistan.
What Mobile Insurance Covers
Most mobile insurance in Pakistan plans cover the following events.
Insurers most commonly claim for screen damage. Dropping your phone and breaking the screen is covered by screen damage insurance. Depending on the plan, the deductible may apply.
Back glass damage is covered by some insurance providers, including Pakistan’s Mercantile Protection Plan for iPhone insurance. Repairing a premium phone’s back glass is almost as expensive as repairing its screen.
Liquid damage cover is less common. There are several providers in Pakistan that cover water damage for iPhones, but the Mercantile Plan is one of them. Before purchasing a mobile device, make sure your insurance covers liquid damage.
Many Pakistani insurance plans cover theft. The requirements, however, vary. The majority of theft protection providers in Pakistan require a police report and proof that your phone was PTA-approved and registered in your name.
Certain plans offer extended warranty coverage for mechanical breakdowns after manufacturers’ warranties expire. Accidental damage insurance is different from this.
What Mobile Insurance Does NOT Cover
Reading the fine print matters when buying mobile insurance in Pakistan. Here are common exclusions.
Intentional damage is never covered by any mobile protection plan in Pakistan. If you deliberately break your phone, insurance will not pay.
In Pakistan, software and virus-related problems are not normally covered by mobile insurance. Insurance is for physical damage, not for technical problems.
Unauthorized repairs in Pakistan can void your mobile insurance coverage in Pakistan. Most providers require repairs to be made at their authorized service centers.
Theft protection in Pakistan does not cover theft that is not reported. You need to file a police FIR and inform your insurance provider about the theft within a certain period of time.
Mobile insurance Pakistan may not be available for phones not approved by the PTA. Most providers want the phone to be PTA approved and registered in your name.
Depreciation is for old phones. Phone insurance Pakistan: Insurance companies often don’t pay out the full value of your phone. The longer you’ve had it, the less you get back.
How Much Does Mobile Insurance Cost in Pakistan?
Mobile insurance rates in Pakistan are based on the value of your mobile and the extent of coverage.
UBL has launched a combined mobile insurance plan of Rs.1,200 per month that covers mobile phones up to Rs.100,000 and also health and other items. Mobile insurance in Pakistan is generally cheaper by itself.
The best mobile insurance Pakistan plans on the easypaisa platform are available at very affordable daily rates. The cost of insuring a phone on mobile-specific plans in Pakistan is quite affordable.
Daraz Shopping Mobile Insurance price in Pakistan is based on the price of your phone at checkout. The phone insurance premium in Pakistan for a mid-range phone might be a few thousand rupees for a complete year.
For premium devices such as iPhones, iPhone insurance Pakistan cost is included in the purchase price or can be added on through the Mercantile Protection Plan.
Before you buy, compare mobile insurance prices in Pakistan from different providers. Also consider the deductible or excess fee, which is the amount you pay when you file a claim under mobile insurance in Pakistan.
Is Mobile Insurance Worth It in Pakistan?
This depends on your phone and your situation. Many people ask if mobile insurance is worth it in Pakistan before buying.
For high-end phone users, mobile insurance in Pakistan is worth considering. If you are spending over Rs 200,000 on a phone, paying a few thousand rupees annually for a mobile protection plan in Pakistan makes sense. One screen replacement on a flagship phone can cost Rs 50,000 or more. Screen damage insurance pays for itself after a single accident.
For mid-range phone users, the calculation is less clear. If your phone costs Rs 80,000 to Rs 100,000, weigh the phone insurance premium in Pakistan against the repair cost. A screen replacement on a mid-range phone might be Rs 15,000 to Rs 20,000.
Let’s say the price of mobile insurance in Pakistan is Rs 5,000 per year and the deductible is Rs 2,000; then you may opt to self-insure.
6 Reasons Why You Should Buy Mobile Insurance in Pakistan for Budget Phones (Rs 50,000 and below) Most likely not. A premium plus deductible may be close to the cost of a replacement phone.
Think about your lifestyle. Accidental damage insurance gives you peace of mind if you work in construction or regularly take your phone into risky environments. If you are the kind of person who rarely drops their phone and keeps it in a good case, then you may not need mobile insurance in Pakistan.
Mobile Insurance Claim Procedure in Pakistan
The mobile insurance claim process in Pakistan varies from provider to provider. But here is what you can expect.
Pakistan asks for immediate police. FIR to guard against theft Most providers require this within a certain amount of time. Then reach out to your insurance company through their app, website, or helpline. File an FIR, your CNIC, and proof of purchase. The phone insurance document may also require the blocked IMEI report from PTA for theft claims.
If you’re claiming for accidental damage, contact your provider and take your phone to an authorized service center. In Pakistan, the mobile protection plan provider will check the damage and decide to approve or reject the claim. If it is approved, a repair will be effected or a replacement will be arranged. You might have to pay the deductible first.
A mobile insurance claim in Pakistan for liquid damage cover claims is the same procedure. Before you file, be sure you know what mobile insurance covers, since some providers do not cover liquid damage at all.
Most providers in Pakistan aim to process claims for phone insurance within 3 to 10 working days, depending on the complexity.
Documents Required for Mobile Insurance Claims
Keep these phone insurance document required items ready for filing claims under mobile insurance in Pakistan.
CNIC is required to verify your identity. The purchase receipt or invoice proves where and when you purchased the phone. The IMEI number of the phone is required. The police FIR is mandatory for theft protection in Pakistan. Some providers also ask for the blocked IMEI report from PTA as a phone insurance document required for theft claims. Photographs of the damaged phone may be requested for accidental damage insurance claims.
Having these phone insurance document required items ready speeds up the mobile insurance claim process in Pakistan significantly.
Tips for Choosing Mobile Insurance in Pakistan
Before buying any mobile insurance in Pakistan, ask these questions.
What exactly does the coverage include? Does it cover screen damage insurance, back glass, liquid damage coverage, and theft protection in Pakistan? Some plans exclude important events.
What is the deductible or excess fee under the mobile protection plan in Pakistan? This is what you pay per claim. Lower deductibles mean higher phone insurance premiums in Pakistan.
Mobile Insurance in Pakistan – Where to Get the Phone Repaired? Are there any authorized service centers in your city? This is important if you don’t live in a big city.
How long does it take to process a mobile insurance claim in Pakistan? Read customer reviews to know the real experience of phone insurance in Pakistan.
Do you need a PTA-approved phone for mobile insurance in Pakistan? Most providers require this. If you have a foreign-imported mobile, check if your mobile is eligible for a mobile protection plan in Pakistan.
How much coverage can be taken under mobile insurance in Pakistan? This should be close to the replacement value of your phone.
Frequently Asked Questions About Mobile Insurance in Pakistan
Which mobile insurance provider should I pick in Pakistan?
The right choice depends on two things: which phone you own and what kind of coverage you need. If you have an iPhone, the Mercantile Protection Plan is worth looking at because it covers liquid damage, which many other policies do not offer. For people who buy phones online through Daraz, adding their device insurance at checkout is very convenient.
And if you want a single plan that covers your phone and other things, UBL Omni’s bundled package has health benefits and mobile protection together.
Mobile Insurance Price in Pakistan?
Plans start from as low as Rs 1,200 a month and can go lower if you opt for a bundled package that includes more than just phone coverage. The cost of a stand-alone policy for your mobile device alone is based on the value of your phone. But generally, premiums are still pretty affordable for most people.
Is a cracked screen covered by insurance?
For the most part, yes. One of the major things covered by mobile insurance policies in Pakistan is accidental screen damage. But you need to read your policy documents carefully before signing up. Some plans come with a deductible, meaning you’ll have to pay a small portion of the repair cost when you file a claim.
And theft? Mobile insurance? Is that covered?
Many plans have theft protection. But there is a catch. The insurance company will ask you almost always to provide a copy of the police’s First Information Report (FIR). They also want proof that your phone was PTA-approved and registered in your name. So, before you buy a policy, be sure to understand exactly what the provider needs for theft claims.
How long does it take to get a claim approved?
Every company has its own timeline. But generally, most providers try to process claims within three to ten working days. The process moves faster when you submit all the required documents correctly the first time. Missing paperwork is the main reason claims get delayed.
Does Zong have a mobile insurance plan?
Yes, Zong offers mobile insurance to its customers. You can check your eligibility by calling 9362 or reaching out through their WhatsApp service. Their plan covers accidental screen damage and theft. To qualify, you need to be at least 18 years old, and your phone must have PTA approval.
Is buying phone insurance worth it for a cheaper device?
If your phone costs less than Rs 50,000, insurance probably does not make financial sense. The yearly premium plus the deductible you pay when filing a claim can add up to nearly what it would cost to replace the phone entirely. For expensive phones, the math works out differently.
What paperwork do I need to file a claim?
You will need some documents. Your CNIC is your ID proof. The purchase receipt tells you where you bought the phone and when. IMEI means International Mobile Equipment Identity. For theft claims, police FIR is required. Some companies request a PTA-blocked IMEI report. Keep these papers somewhere safe where you can get to them fast in case something happens.
Final Thoughts:
Mobile insurance is developing rapidly in Pakistan. Prices for smartphones are going up each year, so lots of people think it makes sense to protect their investment.
Understanding what mobile insurance does and doesn’t cover is key. Read the small print. Compare mobile insurance in Pakistan from different providers. Consider the deductible. Keep your phone insurance document handy in case you need to file a claim under the mobile insurance claim process in Pakistan.
Mobile insurance is a valuable piece of mind for premium phone users in Pakistan. If you have a budget phone, you probably don’t need it. You assess your own situation and select the best option for your needs.
