Weakening "Carefree Packages" and High Costs: Glasses and Mobile Phone Insurance in the AK Check

Between November 2024 and March 2025, the AK examined the insurance offerings of five mobile network providers – A1, Magenta, Samsung, Drei, and Apple. The result shows: mobile phone insurance is often more expensive and less comprehensive than assumed.

Incomplete Protection and High Deductibles with Smartphone Providers

Although the monthly premiums for a smartphone worth 600 euros range from 7.99 euros (Magenta basic protection) to 11.49 euros (Apple, including theft/loss), high deductibles of up to 129 euros are common. This makes a true comparison of the tariffs difficult. Particularly critical: the frequently advertised "all-risk coverage" turns out to be incomplete.

"Theft and loss often need to be insured additionally, while damage to wear parts or superficial scratches are usually excluded," explains AK consumer protection advocate Christian Prantner. Gross negligence or lack of care can also lead to the loss of insurance claims in the event of damage. In one tariff, insurance coverage even ends after two damage incidents per year. The AK regularly reports complaints where insurers refuse services after damage incidents.

"Carefree Packages" Are Not So Carefree: Loss or Theft Often Not Included

The AK check also shows weaknesses in glasses insurance. Four domestic opticians – Fielmann, Wutscher, Hartlauer, and Pearle – were examined between November 2024 and January 2025. In addition to classic insurance, these providers also offer additional products such as carefree packages or rental models.

The annual premiums vary greatly: for glasses with single vision lenses, they range from ten euros (Fielmann, Pearle) to 19 euros (Wutscher, free in the first year). For multifocal lenses, they range from 49 euros (Wutscher) to 60 euros (Pearle). Here too, there are often deductibles of 25 to 50 percent. Additionally, some providers exclude important risks such as loss or theft.

AK's Conclusion: Critically Compare, Read Carefully with Mobile Phone and Glasses Insurance

"Device insurance does not offer comprehensive coverage," says Prantner. Attractive monthly contributions mask the actual costs. Deductibles and exclusions in the fine print significantly reduce the benefit for consumers.

(Red)

This article has been automatically translated, read the original article here.