American Express Screen Repair InsuranceAmerican Express Centurion
American Express Platinum Charge
American Express Explorer;
American Express Essential;
The Business versions of four cards do not include this benefit.
To activate the insurance, you must purchase the phone outright in a single transaction and put the cost of the phone onto your card. Alternatively, coverage is also offered for a phone purchased on a monthly contract using the card.
If you obtain this card part way through your smartphone contract, you are still eligible for coverage as long as you change your monthly payments to one of the eligible cards and wait 30 days from the date of the first monthly payment to be covered.
All cards offer the reimbursement of repair cost up to a total of $500, which is hopefully more than sufficient to cover most repair costs.
Make sure to not make a habit of breaking your smartphone screen, however, as you will be limited to two eligible claims per 12-month period.
For the claim to be determined as eligible, the screen breakage must only result from an accidental drop or impact.
Excess and the claims process
uBreakiFix We will provide all you need for process.
The applicable excess is 10% of the repair cost.
There are a number of policy exclusions under this cover, and these are identical for all of the cards.
The main exclusions include:
Cover only applies to the screen and not any other parts of the smartphone
Screen breakage resulting from anything other than an accidental drop or impact, such as:
water damage, corrosion, condensation, rust or dust
wear and tear
breaching manufacturer’s warranty
intentional or reckless misuse of the smartphone
any unlawful act committed or attempted by you or anyone authorised by you
any competitive sports activity