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Shop Protect Insurance
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Shop Protect Coverage
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What do “accidental” and “malicious” damage mean?
What do accidental and malicious damage mean?
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Accidental Damage: sudden, unexpected events like drops, water spills, or fire that make the item unusable.
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Malicious Damage: intentional or deliberate damage caused by someone other than yourself.
Here are some examples of what is looks like in real scenarios:
|
Scenario |
Does the claim get approved? |
Why? |
|---|---|---|
|
I accidentally dropped my new tablet |
Yes, so long as its within 60 days from purchase date |
It’s accidental damage |
|
My neighbor smashed my CCTV camera during a fight |
Yes, so long as its within 60 days from purchase date |
It’s malicious damage |
|
My new phone got stolen from my locked vehicle |
Yes, so long as there is proof of forced entry (such as broken glass) and within 60 days from purchase date |
It’s considered stolen |
|
I accidentally misplace my newly bought headphones during my commute |
No |
Lost/misplaced items are not covered |
Important Reminder: As a best practice, if your item is damaged do not attempt to fix it before you make a claim. For example, gadgets are covered—but if they’ve been tampered with, they lose coverage. That includes unauthorized repairs, jailbreaking or rooting, and use of unofficial parts.