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* Family Plans
* Education
* Businesses
* Partners
* Menu
* Phone Protection
* Switch to AKKO
* Partner with us
* Business Devices
* Blog
* FAQs
* Contact
Menu
* Family Plans
* Education
* Businesses
* Partners
* Menu
* Phone Protection
* Switch to AKKO
* Partner with us
* Business Devices
* Blog
* FAQs
* Contact
FILE CLAIM | LOG IN
Sign Up
* Family Plans
* Education
* Businesses
* Partners
* Menu
* Phone Protection
* Switch to AKKO
* Partner with us
* Business Devices
* Blog
* FAQs
* Contact
Menu
* Family Plans
* Education
* Businesses
* Partners
* Menu
* Phone Protection
* Switch to AKKO
* Partner with us
* Business Devices
* Blog
* FAQs
* Contact
FILE CLAIM | LOG IN
Sign Up
Sign Up
Sign Up
THE LAST PROTECTION PLAN YOU'LL EVER NEED
COVER YOUR PHONE, LAPTOP, ELECTRONICS, AND OTHER VITAL PERSONAL ITEMS AGAINST
COSTLY DAMAGE AND THEFT – ALL FOR JUST $15 A MONTH.
Sign Up Now
– only $15/month
THE LAST PROTECTION PLAN YOU'LL EVER NEED
RANKED #1 PROTECTION PLAN BY GADGETREVIEW.COM - 2020 (READ REVIEW >>)
LOVE FROM OUR AKKO COMMUNITY
Sean
See review
Read More
Go ahead and buy this plan; it’s just that good. The claim was painless to do
online, a rep emailed me the same day, and the next day I had the money sent to
paypal directly so I could replace my handset.
Chelsea
See review
Read More
My Apple Pencil broke suddenly and I was able to get payment for it within 24
hours.
Kaycee
See review
Read More
Very quick response and got my repair scheduled quickly! Thanks guys you are
amazing!
Michael
See review
Read More
This insurance is awesome!! Took 4 hours and i was paid for the claim!! The
best!!
Sean
See review
Read More
Go ahead and buy this plan; it’s just that good. The claim was painless to do
online, a rep emailed me the same day, and the next day I had the money sent to
paypal directly so I could replace my handset.
Chelsea
See review
Read More
My Apple Pencil broke suddenly and I was able to get payment for it within 24
hours.
Kaycee
See review
Read More
Very quick response and got my repair scheduled quickly! Thanks guys you are
amazing!
Michael
See review
Read More
This insurance is awesome!! Took 4 hours and i was paid for the claim!! The
best!!
Sean
See review
Read More
Go ahead and buy this plan; it’s just that good. The claim was painless to do
online, a rep emailed me the same day, and the next day I had the money sent to
paypal directly so I could replace my handset.
Chelsea
See review
Read More
My Apple Pencil broke suddenly and I was able to get payment for it within 24
hours.
Previous
Next
Evan
5/5
See review
“AKKO’s service is the most convenient and BEST – especially for a creative like
me with a ton of gear to protect.”
Michael
5/5
See review
“The support and customer service was amazing! They were very helpful. Their
prices we very reasonable! chose to get AKKO protection over any other company!
Awesome value!”
Eric
5/5
See review
“Support was very friendly, better deal than Verizon, and I could add all my
electronics”
Robert
5/5
See review
I’m so thrilled by this service. For only a couple dollars more than I’d been
paying Verizon just for phone insurance, now all my devices are covered. I just
completed a claim of my 6 year old MacBook Pro- which I’d spilled ramen all
over. Service was super rapid… I’d highly recommend AKKO.
Michael
5/5
See review
This insurance is awesome!! Took 4 hours and i was paid for the claim!! The
best!!
Sean
5/5
See review
Go ahead and buy this plan; it’s just that good.
The claim was painless to do online, a rep emailed me the same day, and the next
day I had the money sent to paypal directly so I could replace my handset.
Cinny
5/5
See review
I had to file a claim for the first time and I had so many questions. My
questions were answered in a timely manner and the answers were elaborated on so
I had clear information.
Jamie
5/5
See review
Made my claim Wednesday night or Thurs morning. Funds to replace my item were in
my account Fri morning, even with me exchanging a few emails with the claims
dept. Fantastic!
Gerl
5/5
See review
Love, Love AKKO – very responsive, fast, reliable! Get company
Ryan
5/5
See review
My cracked phone screen repair was a seamless experience with AKKO. They far
exceeded my expectations and provided reimbursement funds the very next day.
Ray
5/5
See review
AKKO took care of me with fast customer service… Smoothest transaction for
insurance ever.
Frederic
5/5
See review
Very professional. Followed up and resolved the issue immediately highly
recommend this company.
Mallory
5/5
See review
The easiest, fastest, & best insurance company I’ve ever used! … I truly love
how easy AKKO is and the agents are honestly so nice.
Clare
5/5
See review
Service received was great and helpful and fast
Jeff
5/5
See review
Super easy claims process. I broke the screen on my iPhone and the day after
submitting my claim online I had the funds in my account to bring my phone to
Apple for repair. Couldn’t be happier with this company.
Holly
5/5
See review
“This company is amazing! I am able to cover all of my items for such a good
price”
Chelsea
5/5
See review
“My Apple Pencil broke suddenly and I was able to get payment for it within 24
hours.”
Brady
5/5
See review
“I’ve never had an easier repair for any product, cell phone etc. AKKO responded
very quickly, send in the information and pictures needed, and just as simple as
that my cell phone dilemmas where gone. Thanks. Appreciate you.”
Ryan
5/5
See review
“Great customer service, cheap and affordable, would totally recommend for
anyone shopping for electronic insurance, I can protect all my devices”
Jason
5/5
See review
“Very impressed with their customer service. I appreciate that they are always
accessible and feel like real people, not some faceless corporate structure. I
just bought a new iPhone and didn’t want to pay the steep price for AppleCare+.
AKKO turned out to be a great alternative. I’ve already told my friends about
it!”
Evan
5/5
See review
“AKKO’s service is the most convenient and BEST – especially for a creative like
me with a ton of gear to protect.”
Michael
5/5
See review
“The support and customer service was amazing! They were very helpful. Their
prices we very reasonable! chose to get AKKO protection over any other company!
Awesome value!”
Eric
5/5
See review
“Support was very friendly, better deal than Verizon, and I could add all my
electronics”
Robert
5/5
See review
I’m so thrilled by this service. For only a couple dollars more than I’d been
paying Verizon just for phone insurance, now all my devices are covered. I just
completed a claim of my 6 year old MacBook Pro- which I’d spilled ramen all
over. Service was super rapid… I’d highly recommend AKKO.
Michael
5/5
See review
This insurance is awesome!! Took 4 hours and i was paid for the claim!! The
best!!
Sean
5/5
See review
Go ahead and buy this plan; it’s just that good.
The claim was painless to do online, a rep emailed me the same day, and the next
day I had the money sent to paypal directly so I could replace my handset.
Cinny
5/5
See review
I had to file a claim for the first time and I had so many questions. My
questions were answered in a timely manner and the answers were elaborated on so
I had clear information.
Jamie
5/5
See review
Made my claim Wednesday night or Thurs morning. Funds to replace my item were in
my account Fri morning, even with me exchanging a few emails with the claims
dept. Fantastic!
Gerl
5/5
See review
Love, Love AKKO – very responsive, fast, reliable! Get company
Ryan
5/5
See review
My cracked phone screen repair was a seamless experience with AKKO. They far
exceeded my expectations and provided reimbursement funds the very next day.
Ray
5/5
See review
AKKO took care of me with fast customer service… Smoothest transaction for
insurance ever.
Frederic
5/5
See review
Very professional. Followed up and resolved the issue immediately highly
recommend this company.
Mallory
5/5
See review
The easiest, fastest, & best insurance company I’ve ever used! … I truly love
how easy AKKO is and the agents are honestly so nice.
Clare
5/5
See review
Service received was great and helpful and fast
Jeff
5/5
See review
Super easy claims process. I broke the screen on my iPhone and the day after
submitting my claim online I had the funds in my account to bring my phone to
Apple for repair. Couldn’t be happier with this company.
Holly
5/5
See review
“This company is amazing! I am able to cover all of my items for such a good
price”
Chelsea
5/5
See review
“My Apple Pencil broke suddenly and I was able to get payment for it within 24
hours.”
Brady
5/5
See review
“I’ve never had an easier repair for any product, cell phone etc. AKKO responded
very quickly, send in the information and pictures needed, and just as simple as
that my cell phone dilemmas where gone. Thanks. Appreciate you.”
Ryan
5/5
See review
“Great customer service, cheap and affordable, would totally recommend for
anyone shopping for electronic insurance, I can protect all my devices”
Jason
5/5
See review
“Very impressed with their customer service. I appreciate that they are always
accessible and feel like real people, not some faceless corporate structure. I
just bought a new iPhone and didn’t want to pay the steep price for AppleCare+.
AKKO turned out to be a great alternative. I’ve already told my friends about
it!”
Evan
5/5
See review
“AKKO’s service is the most convenient and BEST – especially for a creative like
me with a ton of gear to protect.”
Michael
5/5
See review
“The support and customer service was amazing! They were very helpful. Their
prices we very reasonable! chose to get AKKO protection over any other company!
Awesome value!”
Eric
5/5
See review
“Support was very friendly, better deal than Verizon, and I could add all my
electronics”
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See more reviews
Need multiple plans? Save 5-15% when you bundle.
PHONE ONLY
PROTECTION
PROTECT ANY PHONE AGAINST DAMAGE, BREAKDOWNS, AND THEFT
$5-12per month
Protect any phone¹
$29 - $99 deductibles
Accidental damage
Parts & battery failures
Theft
Replacement cost of your phone
Unlimited claims²
Save up to 15% paying annually!
Protect Your Phone
"EVERYTHING PROTECTED"
THE AKKO PLAN
PROTECT 1 PHONE + ALL YOUR ELECTRONIC DEVICES AND MORE (25 ITEMS TOTAL)
$15per month
Protect 1 phone + 25 items
$29 - $99 deductibles
Accidental damage
Phone parts & battery failures
Theft
Up to $2,000 per claim
Unlimited claims²
Students save up to 33%!
Protect Phone + 25 Items
"EVERYTHING PROTECTED"
AKKO PLAN
PROTECT 1 PHONE + ALL YOUR ELECTRONIC DEVICES AND MORE (25 ITEMS TOTAL)
$15per month
Protect 1 phone + 25 items
$29 - $99 deductibles
Accidental Damage
Parts/battery failures (phones)
Theft
$2,000 per claim limit (no annual limit)
Unlimited Claims²
Save up to 33% as a Student!
Protect Phone + 25 items
PHONE ONLY
PROTECTION
PROTECT ANY PHONE AGAINST DAMAGE, BREAKDOWNS, AND THEFT
$5-12per month
Protect Any Phone¹
$29 - $99 deductibles
Accidental Damage
Parts/Battery failures
Theft
Replacement Cost of Your Phone
Unlimited Claims²
Save up to 15% paying annually!
Protect Your Phone
Need multiple plans? Save 5-15% when you bundle.
Compare Our Plans
Items Protected:
Phone Only
Protection Plan
"Everything Protected"
AKKO Plan
Protect 1 Phone
Protect Laptops, Tablets, and all your other electronics
Protect TVs, speakers, gaming consoles and more
Protect photography gear
Protect music instruments and audio gear
Protect sports equipment
Cost & Deductibles:
Cost
$6 – $12 /month
($5 – 11 /month if paid annually)
$15 /month
($14 /month if paid annually)
Student Rate: $14 /month
($13 /month if paid annually)
Phone damage deductibles
$29 – $99
(based on model)
$29 – $99
(based on model)
Phone theft/replacement deductibles
$75 – $99
(based on model)
$75 – $99
(based on model)
Damage Deductibles
(other items)
N/A
$99
Theft Deductibles
(other items)
N/A
$99
Phone Only
Protection Plan
Select Model
"Everything Protected"
AKKO Plan
Sign Up Now
Bundle Multiple Plans and Save 5%!
Build a Family / Multi Plan
Items Protected:
Protect 1 Phone
Phone Only Plan
AKKO Plan
Protect Laptops, Tablets, and all your other electronics
Phone Only Plan
AKKO Plan
Protect TVs, speakers, gaming consoles and more
Phone Only Plan
AKKO Plan
Protect photography gear
Phone Only Plan
AKKO Plan
Protect music instruments and audio gear
Phone Only Plan
AKKO Plan
Protect sports equipment
Phone Only Plan
AKKO Plan
Cost & Deductibles:
Cost
Phone Only Plan
$6 – $12 /month
AKKO Plan
$15 /month
AKKO Plan (student)
$14 /month
Phone damage deductibles
Phone Only Plan
$29 – $99
(based on model)
AKKO Plan
$29 – $99
(based on model)
Phone theft/replacement deductibles
Phone Only Plan
$75 – $99
(based on model)
AKKO Plan
$75 – $99
(based on model)
Damage Deductibles (other items)
Phone Only Plan
N/A
AKKO Plan
$99
Theft Deductibles (other items)
Phone Only Plan
N/A
AKKO Plan
$99
CHOOSE YOUR PLAN:
Phone Only Plan
Sign Up
AKKO Plan
Sign Up
AKKO Plan (student)
Sign Up
Bundle Multiple Plans and Save 5%!
Build a Family / Multi Plan
AKKO BEATS OUT SQUARETRADE, APPLECARE, AND GEEK SQUAD FOR BEST PHONE PROTECTION!
read more
COVERAGE, SIMPLIFIED.
™
AKKO MAKES PROTECTING YOUR STUFF EASIER AND MORE AFFORDABLE.
1.
QUICK REGISTRATION
Choose our phone-only or “Everything Protected” AKKO Plan. Upgrade or downgrade
anytime.
Save 5-15% by bundling plans or paying annually.
Register Now
2.
FULL PROTECTION
Input your items’ info and snap a few photos. Done! Now they’re fully protected.
Then simply add/remove items anytime you get new stuff.
See What's Covered
3.
EASY REPAIRS & REPLACEMENTS
Get repairs done quick – often same day for phones! We pay the store or can pay
you by PayPal or wire immediately upon claim approval.
Claims Info
WE PROTECT WHAT
YOU RELY ON
Keep your stuff protected without worry about cost and complexity.
Choose to protect just your phone, or cover all your stuff with our “Everything
Protected” AKKO Plan.
Swap items in your account when you upgrade or buy/sell stuff, and Never Buy
Another Protection Plan Again.™
WE PROTECT WHAT
YOU RELY ON
Keep your stuff protected without worry about cost and complexity.
Choose to protect just your phone, or all your stuff with our “Everything
Protected” AKKO Plan.
Swap items in your account when you upgrade or buy/sell stuff and Never Buy
Another Protection Plan Again.™
WHAT DOES MY PLAN PROTECT ME FROM?
* Cracked screens
* Spills & liquid submersion
* Accidental damage (like drops)
* Damage & malfunctions from accidental damage/drops
* Mechanical/electrical component failures (for phones)
* Theft
* Theft of items from an unattended vehicle via forced entry (car break-ins)
WHAT ITEMS ARE COVERED?
Your AKKO Plan covers just about any of your everyday personal items, from
electronics to clothes to sports gear. Once registered, you can select one (1)
phone + any 25 of your eligible belongings to load into your AKKO account for
protection. Your items can be swapped out whenever you’d like.
Electronics
Phones (limit of 1 per account), laptops, tablets, smartwatches, TVs, desktop
computers, monitors, etc.
Photography & Video Equipment
Cameras, lenses, accessories, tripods, gimbals, etc.
Audio & Music Gear
Speakers, electronic music instruments, DJ equipment, headphones, musical
instruments, etc.
Gaming
Video game consoles, controllers, peripherals, VR, etc.
Personal Transportation (Non-Motorized)
Bicycles, scooters, skateboards, hoverboards, unicycles
Sports & Recreational Gear
Skis, snowboards, golf clubs, tennis rackets, camping/climbing equipment, etc.
Clothing & Accessories
Clothes, jackets, shoes, sunglasses, watches, jewelry, etc.
Appliances (counter-top)
Blenders, coffee makers, microwaves (counter-top), etc.
School Supplies
Textbooks, backpacks, calculators, etc.
NOTE: All plans are per individual and will only cover items owned by the
plan-holder. Plans cannot be shared with family or friends.
Adult and Student Plan accounts protect a maximum of one (1) phone. To cover
additional phones, purchase additional adult or student plans. There are no
quantity limits for other personal electronics and eligible items you want to
add to your account.
Multiple plans may be purchased at a discount with billing bundled together!
WHY IS THIS SUCH A GREAT DEAL?
In short, it’s because AKKO’s technology makes facilitating and managing
protection for your stuff more efficient and less expensive. Typical insurers
charge high fees on insurance and protection plans because of the work involved
in processing policies and claims, plus the cost of advertising and marketing.
AKKO is changing the game by providing reliable and affordable protection that’s
simple and all-inclusive. We’ve eliminated the need for you to spend money on
the protection plans, extended warranties and insurance add-ons that retailers,
phone companies and others use to pad their bottom lines. And because all your
protection is in one place instead of being spread across multiple plans from
multiple companies, the process of making a claim is drastically simpler.
DOESN'T MY EXISTING RENTERS OR HOMEOWNERS INSURANCE PROTECT ME ALREADY?
Renters or homeowners insurance will not protect your items against:
* Accidental damage (like drops)
* Cracked screens
* Spills & liquid submersion
Of course, accidents like these happen. If you drop your phone without a
protection plan, you’ll be on your own for the screen replacement, which could
cost up to $250. But with an AKKO plan, your coverage would nearly pay for
itself within the first year!
Renters and homeowners policies do cover theft; however, your policy will
typically have a $250 – $1,000 deductible. Furthermore, if you make a claim
through those policies, your rates may increase because the claim gets reported
and added to the equivalent of your “credit score” for insurance.
So would it ever really be worth it to make a renters insurance claim if your
$800 smartphone got stolen? Probably not. But with a low-deductible AKKO plan
(deductibles as low as $29 and never more than $99), the entire cost of
repairing or replacing your device will be covered! Equally importantly, your
rates will never go up, no matter how many claims you make.
Finally, as many people learn the hard way, auto insurance does not cover items
stolen during vehicle break-ins; it will only cover damage to the vehicle
itself. However, an AKKO plan will cover your items if they’re stolen or damaged
in a break-in, and you’ll still only pay your deductible.
Note: Integrated car accessories or audio equipment like speakers and decks are
not covered; see What’s Not Covered in our FAQ for the full list of exclusions.
PLAN INFO & FAQS
RECENT POSTS
WHAT’S THE BEST PHONE INSURANCE? – 2022 COMPARISON
Read More »
AKKO RANKED #1 BUDGET PHONE INSURANCE BY INVESTOPEDIA
Read More »
AKKO RANKED BEST ALTERNATIVE PHONE INSURANCE BY ANDROID CENTRAL
Read More »
INFO & FAQ
Don’t worry, a lot of people sometimes think this sounds “too good to be true”
so we get asked a lot
of questions. Below are the answers to most of them. If you have any others,
just ask us!
Don’t worry, a lot of people sometimes think this sounds “too good to be true”
so we get asked a lot of questions.
Below are the answers to most of them. If you have any others, just ask us!
Most Popular
Coverage Basics
Phones
Claims Info
Account & Billing
WHAT ITEMS ARE COVERED BY AN AKKO PLAN?
Here is the key differences between our “Phone-Only” plans and our “Everything
Protected” AKKO Plan:
* “Phone-Only” plans cover just your 1 phone
* “Everything Protected” AKKO plans covers 1 phone PLUS 25 additional items.
The “Everything Protected” AKKO allows you to select, add, and protect one (1)
phone + any 25 of your eligible belongings into your AKKO account. You can swap
items in and out of your AKKO plan whenever you’d like!
Here is are the current eligible items:
ELECTRONICS
* Laptops
* Tablets
* Smartwatches
* TVs
* Desktop computers
* Monitors
* Pen displays (i.e. Cintiq)
* Phones disconnected from cell service are only covered if you purchase a
Phone-Only or AKKO Everything Protected plan for the device
PHOTOGRAPHY & VIDEO EQUIPMENT
* Cameras
* Lenses
* Accessories
* Tripods
* Gimbals
AUDIO & MUSIC GEAR
* Speakers
* Electronic music instruments
* DJ equipment
* Headphones
* Musical instruments
GAMING
* Video game consoles
* Video game controllers
* Peripherals
* VR sets
* Custom built gaming computers are covered, but all pieces of the device must
be listed as individual items within an AKKO Everything Protected plan
PERSONAL TRANSPORTATION (NON-MOTORIZED)
* Bikes
* Scooters
* Skateboards
* Unicycles
* Property in a personally owned automobile is protected, provided that the
vehicle was locked and windows are fully closed at the time of theft and
there was visible evidence of forced entry into the vehicle.
*
Sports & Recreational Gear
* Skis
* Snowboards (only from theft and accidental damage due to mishandling from
airline transportation)
* Surfboards (only from theft and accidental damage due to mishandling from
airline transportation)
* Golf clubs
* Tennis rackets
* Camping/climbing equipment
* Workout equipment (only from accidental damage and theft)
Clothing & Accessories
* Clothes
* Jackets
* Shoes
* Sunglasses
* Watches
* Jewelry
Appliances (only counter-top):
* Blenders
* Coffee makers
* Microwaves
* Juicers
* Mini fridges (if not built into cabinets)
Handheld/Portable Electronic Power Tools – (only covered from accidental damage
and theft)
* Robot vacuums
* Handheld drills
* Circular saws
* Jigsaws
* Sanders
* Routers
School Supplies
* Textbooks
* Backpacks
* Calculators
NOTE: All plans are per individual and will only cover items owned by the plan
holder. Individual plans cannot be shared with family or friends.
Adult and Student Plan accounts protect a maximum of one (1) phone. To cover
additional phones, please purchase additional adult or student plans. There are
no quantity limits on electronics and eligible items you want to add to your
account.
Multiple plans may be purchased at a discount with billing bundled together!
Click here for the list of items not eligible for coverage.
link
WHAT DOES AN AKKO PLAN PROTECT ME FROM?
* Cracked Screens
* Spills & Liquid Submersion
* Accidental Damage (like drops)
* Damage & Malfunctions from Accidental Damage/Drops
* Mechanical/Electrical Failures of components (see terms)
* Theft
* Theft of items from an unattended vehicle via forced entry (car break-ins)
*
link
WHAT IS THE DEDUCTIBLE ON AN AKKO PLAN?
The deductibles for phones on our phone-only protection plans or our “Everything
Protected” AKKO Plan ranges from $29 – $99 per claim based on the phone’s model.
$99 is also the max deductible even for Theft or total replacement claims! (less
than half the cost of most other protection providers.) Click here to view the
deductibles for repairs/replacements on your specific phone make/model.
If you have one of our “Everything Protected” AKKO Plans which protects 1 phone
+ 25 other items, all other items besides your phone are subject to a $99
deductible for any incident of Accidental Damage or Theft.
This amount that is “deducted” from any reimbursement payout you receive exists
so that individuals are still motivated to be careful with their stuff.
But with all of AKKO’s protection plans, we made sure to have the deductibles at
least be set at easily affordable amounts for incidents of accidental damages,
breakdowns, and theft, rather than the $150 – $400 deductibles seen on many
other protections plans for phones, laptops, and other electronics and personal
items.
--------------------------------------------------------------------------------
Note: Deductibles for lost or unrecoverable phones are equal to the deductible
for theft on the same phone model, but there is a limit of only 1
lost/unrecoverable phone claim covered per 12 months. Location tracking must be
enabled in the AKKO Mobile App and set to “Always allow” on both iPhones and
Android phones to be eligible for coverage for phones that are stolen, lost, or
unrecoverable.
link
WHAT IS THE COVERAGE LIMIT?
Phone-only Protection Plan Limits:
If you have a phone-only protection plan ($6-$12/mo), the limit of protection is
capped at the replacement cost value of your phone at the time of your claim for
each claim you file. But there is no limit on how many claims you may file or
any lifetime limit that AKKO will pay out!
This means that no matter what, you will always be covered to get an exact
replacement of your phone (down to the same make, model, color, technical specs,
and carrier) anytime the device is damaged or stolen, no matter how many times
it may be. There is no limit on the number of claims you may file and our plans
are a subscription, so there is no “term length” (unlike a warranty which may be
1-3yrs). So your phone can be covered forever!
“Everything Protected” AKKO Plan Limits:
For our “Everything Protected” AKKO Plans ($15/month for adults, $14 for
students) there is a protection limit of $2,000 PER INCIDENT** for any item.
There are no annual protection limits or a limit on the number of claims you may
file. Additionally, all protection is still based on replacement cost value of
your damaged/stolen items determined at the time of the claim. This means that
if your laptop is stolen and costs $1,200 to replace at the time of the claim,
you’ll be reimbursed $1,200 (plus any applicable sales tax or shipping) less
your deductible. You would not be reimbursed $2,000.
—
**$2,000 of protection PER INCIDENT means that if next week on Monday your
laptop is stolen, up to the replacement value of your laptop is covered as long
as that amount is less than $2,000.
If at another point in the same year you drop your tablet and the screen is
smashed, up to the repair or replacement value cost of the tablet is covered as
well as long as it’s less than $2,000.
But, there is not an annual limit of $2,000 which would be exhausted in case
replacing your laptop cost $1,800 and replacing your tablet had cost $500.
This demonstrates PER INCIDENT protection and the per incident limit with an
AKKO Plan is $2,000. There is not an annual limit.
HOWEVER, if during a single incident someone steals your entire backpack, filled
with your laptop, and tablet, up to $2,000 total is covered to replace those
items and any other contents of your backpack, plus the backpack itself. So if
the combined replacement cost was above $2,000 for all these items, you would
only have coverage up to $2,000 to be reimbursed.
Higher PER INCIDENT protection limits are available!
Once you’re registered, you can upgrade your plan to a PER INCIDENT limit as
high as $10,000. But for a more common $3,000 – $5,000 PER INCIDENT protection
limit upgrade, it’s only a few more dollars per month
The $2,000 of PER INCIDENT protection is more than enough for the majority of
users based on our studies and the claims rates of currently protected AKKO
users nationwide. But for those with more expensive items like a high-end
laptop, or specialty gear like photography or music/audio equipment, the option
to upgrade your limit is easily available. Simply contact us via the “billing”
section of your account and we can upgrade your limit.
—
Other Limitations:
1. Coverage for jewelry, watches, rings, and other items consisting of gold,
silver, or platinum or furs is limited $1,000.00 for any one Loss.
2. Coverage for bicycles is limited to $1,000.00.
3. Property in a personally owned automobile is covered, provided that the
vehicle was locked and windows are fully closed at the time of theft and there
was visible evidence of forced entry into the vehicle.
—
We re-state all this information under this separate Frequently Asked Question
because sometimes users don’t click through all questions/answers and we want to
make sure all prospective customers are fully informed
link
DO I NEED MY ITEM RECEIPTS FOR COVERAGE? WHAT IF I DON'T HAVE THEM?
It is not a requirement to have receipts for the items you want to cover on your
plan. While preferred, you can establish “proof of ownership” of your items
through other means.
For example, the pictures we have you take of your items when you add them to
your account work great for providing this “proof of ownership”!
Especially, for claims of accidental damage, copies of your purchase receipts
are typically not requested.
For theft claims, the insurance company prefers to have you show a copy of your
stolen items’ purchase receipts. This is the quickest way for them to establish
that you did in fact “own” the items you’ve claimed have been stolen.
However, if you no longer have copies of your receipts, your photos of the items
uploaded to your account can usually suffice. As a best practice, keep track of
your receipts! Have copies emailed to you when you purchase items, or take
pictures of receipts and email them to yourself or make a habit of immediately
uploading them to your AKKO account.
You can also try to contact the original seller/retailer you purchased items
from as often they will have records going back a year or two of past
transactions. You can try providing your name, phone number, email, or credit
card number to try and track down a receipt for something you purchased.
For items you purchased used or through a 3rd party marketplace platform such as
Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to
you by a seller stating the date you purchased an item, the amount paid, and
what the item was. This can suffice as a purchase receipt! Including if you paid
for items in cash.
link
WHAT ITEMS ARE NOT COVERED BY AN AKKO PLAN?
We do not cover furniture.
We do not cover drones, automobile, motorcycle, boat, motor, aircraft or
aircraft parts.
We do not cover any type of motorized land vehicle or other conveyances.
ELECTRONICS
AKKO does not cover:
* Car electronics, including car stereos, GPS navigation devices, keyless entry
* Drones
ACCESSORIES
AKKO does not cover:
* Jewelry, including watches, rings, and other items consisting of gold,
silver, platinum, or furs limited to $1,000 for any one incident of loss
* Money (currency or coin), evidences of debt, letters of credit
* Forms of identification, including student ID’s, driver’s licenses, passport
documents, notes, securities, transportation tickets or other tickets
* Pharmaceuticals (prescription or over-the-counter)
* Artwork (professional or amateur), antiques, collectables
* Animals
* Firearms or ammunition
* Salesman samples
* Contact lenses
* Keys
* Artificial teeth or limbs
* Merchandise for sale
TRANSPORTATION
AKKO does not cover:
* Motorized transportation vehicles, including e-bikes.
* Bicycles costing over $1,000
* Property from personally owned vehicle (unless stolen with evidence)
SMALL APPLIANCES
AKKO does not cover:
* Wall-mounted appliances
* Appliances integrated into cabinetry
* Appliances with Utility Hookup (Gas, water)
* Gas-powered Tools
* Electronic Power Tools are only covered against accidental damage/theft
SPORTS
AKKO does not cover:
* Surfboards from general use/handling, accidental damage from non-airline
transportation)
* Workout equipment from general use/handling)
link
DOES MY AKKO PLAN COVER LOST ITEMS AND LOST PHONES?
If you lose one of your belongings, you’ll need to evaluate the situation to
determine whether it qualifies as theft or what’s called “mysterious
disappearance” (i.e., you simply misplaced your belonging and have no idea where
it went, or it is unrecoverable such as falling into a lake).
Use tools like Find My iPhone or Google’s Find My Device to try and recover your
phone; similar services exist to track down a missing laptop or tablet. Take
screenshots or record evidence of your attempts to recover your phone to provide
the most complete set of evidence you can with your claims.
To receive reimbursement for a stolen phone or other item, you must have
location tracking fully enabled in the AKKO Mobile App. You will be prompted to
enable all settings when you iniitally setup your account and add your phone to
your plan. Ensure location tracking is set to “Always allow” in your settings.
If you have an Android device:
Make sure Find My Device is also working and enabled. Go to your web browser,
search for “Find My Device” and click the first result. Make sure you can see
the device on a map displaying “last known location” along with the device name,
make, and model.
If you have an iPhone:
The “Find My” app on iOS does not provide a history of your device’s location,
which can help provide proof of theft for your claim or help you try and recover
it. Instead, download the Google Maps app and be sure it is set to allow
location access at all times. You can verify that your Google Maps timeline is
available by checking here: https://www.google.com/maps/timeline
You will have to have location tracking fully enabled in the AKKO Mobile App if
your phone or another item is stolen and you wish to seek reimbursement for a
replacement under your plan’s reimbursement benefits.
The protection you get with one of AKKO’s protection plans will cover theft of
any item if indicated in your plan overview and inclusions, but it will only
cover one (1) incident of “mysterious disappearance” of a phone per 12 month
period and be subject to the same replacement/theft deductible for your phone
model as indicated in your account or on AKKO’s website under all other phone
deductibles.
link
CAN I ADD MULTIPLE PHONES TO MY AKKO PLAN?
Plans cannot be shared with friends, family members, or anyone else. All plans
are per individual and will only cover items that the account holder owns.
All accounts may have up to one (1) phone on them. To add more phones, you must
purchase additional plans – either phone-only or an “Everything Protected” AKKO
Plan.
New Customers:
– Purchase “Everything Protected” AKKO Plans for your family/group: CLICK HERE
– Purchase multiple Phone-only protection plans: CLICK HERE
Current Members:
– Contact our billing team via Chat or email billing@getAKKO.com to add
additional plans for new members/devices
– Did you already register multiple plans? Remember, each phone has its own
login. Be sure to have each member of your group/family login to their own
account using their own cell phone number to activate and register their
protection. (more info)
link
WHEN DOES MY COVERAGE TAKE EFFECT?
Your protection begins at 12:01 a.m. Standard Time at the location of your
property the day after your account is created and payment is current and
activation is completed.
There is a waiting period of 30 days before any coverage under your membership
plan begins (including protection against accidental damages, device
malfunctions/failures, theft, or lost phones). In situations where ample
photo/video evidence is available, and all photo verification steps have been
completed for your item, this waiting period may be waived for cracked screen
damages, but no other type of accidental damages, malfunctions, theft, or
lost/unrecoverable phones.
Be sure to follow all instructions within your account for adding photos and
information for your items.
Photos of phones should be uploaded using the phone’s own cameras (front and
rear) to provide pictures of the front (screen) and back sides of the device by
taking the photos in front of a mirror. Follow all instructions and examples
provided in the AKKO Mobile or Web App. For tablets, a photo of the tablet’s
“About” page in settings should also be provided by using another device (do not
provide a screenshot) and the serial # of the device should be visible on the
screen, as well as the entire front of the tablet being visible.
Photos of laptops and computers should be taken by including a photo of the
device with the screen powered on and also displaying the “about” page showing
the specs and serial # of the computer. The entire screen should be visible in
this photo.
Photos of TVs should also be taken where the screen is powered on and displaying
video/image. It is required to provide a photo of the serial # displayed on the
TV’s screen which can be accessed in the TV’s settings.
For gaming consoles, be sure to include photos that show the device powered on
with image/video visible on a display. It is required to provide a photo of the
serial # of the gaming device displayed on its own screen, or an external
TV/display. This can be found in the gaming device’s settings. Do not just
include photos of the gaming console itself if it has no screen, it must be
plugged into a TV/display.
link
CAN I ADD ITEMS THAT ARE OLDER OR USED TO MY PROTECTION PLAN?
YES!
The age or place you purchased your items does not matter. As long as an item is
eligible for protection, regardless of its age or if you purchased it used from
a store or individual, you can add it to your plan and have it protected through
AKKO against accidental damages and theft.
See what items are eligible for protection here.
NOTE: for electronics, parts failures are only covered for devices that were
purchased new and within 120 days after you enroll with AKKO (except for
phones). Older items ARE still covered for accidental damage and theft as long
as they are undamaged and fully functional! (see more info here)
RECEIPTS:
For items you purchased used or through a 3rd party marketplace platform such as
Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to
you by a seller stating the date you purchased an item, the amount paid, and
what the item was.
This can suffice as a receipt should you be asked to provide one during a claim.
However, for any claim of theft, you must also be able to provide proof of
purchase (such as a record of a PayPal or Venmo payment, or a copy of your
credit card or bank statement showing the date and amount paid). Read more here
about how purchase receipts are not required for coverage.
link
HOW DOES MECHANICAL/ELECTRICAL COVERAGE WORK FOR MY PERSONAL ELECTRONICS
Our AKKO Plan ( $15/month plan that protects 1 phone + 25 items) includes a
mechanical/electrical components failure protection guarantee for all your
portable electronic devices and TVs that lasts for 36 months from the date of
purchase of each device.
Portable electronic devices and TVs you add to your AKKO account for this
protection must have been purchased “new” by you either within the 120 days
prior to your registration, or anytime after you registered your plan. You must
upload your purchase receipt with each device you wish to have this protection
to your AKKO account.
It’s basically like having FREE 3-year warranties on all of your portable
electronic devices and TVs!
Terms:
For any of your portable electronic devices or TVs which already have an active
warranty which covers mechanical/electrical component failures (either provided
by the manufacturer of the device, a retailer/reseller, or third party) any
claims pertaining to mechanical/electrical component failures would first go
through your existing/included warranty.
After any existing warranty expires covering mechanical/electrical failures for
your eligible devices, AKKO would take over for the remainder of the 36 month
period starting from the date of purchase of the eligible portable electronic
device or TV.
A portable electronic device is defined as any device which requires either an
internal, or external battery to operate. In addition to portable electronics,
this protection and these terms also apply to TVs. All claims are still subject
to your plan’s standard service fees/deductibles.
This special protection ends for your devices if you cancel your plan with AKKO
and cannot be resumed even if you choose to then re-enroll with AKKO at a later
point in time.
link
WHAT ITEMS ARE COVERED BY AN AKKO PLAN?
Here is the key differences between our “Phone-Only” plans and our “Everything
Protected” AKKO Plan:
* “Phone-Only” plans cover just your 1 phone
* “Everything Protected” AKKO plans covers 1 phone PLUS 25 additional items.
The “Everything Protected” AKKO allows you to select, add, and protect one (1)
phone + any 25 of your eligible belongings into your AKKO account. You can swap
items in and out of your AKKO plan whenever you’d like!
Here is are the current eligible items:
ELECTRONICS
* Laptops
* Tablets
* Smartwatches
* TVs
* Desktop computers
* Monitors
* Pen displays (i.e. Cintiq)
* Phones disconnected from cell service are only covered if you purchase a
Phone-Only or AKKO Everything Protected plan for the device
PHOTOGRAPHY & VIDEO EQUIPMENT
* Cameras
* Lenses
* Accessories
* Tripods
* Gimbals
AUDIO & MUSIC GEAR
* Speakers
* Electronic music instruments
* DJ equipment
* Headphones
* Musical instruments
GAMING
* Video game consoles
* Video game controllers
* Peripherals
* VR sets
* Custom built gaming computers are covered, but all pieces of the device must
be listed as individual items within an AKKO Everything Protected plan
PERSONAL TRANSPORTATION (NON-MOTORIZED)
* Bikes
* Scooters
* Skateboards
* Unicycles
* Property in a personally owned automobile is protected, provided that the
vehicle was locked and windows are fully closed at the time of theft and
there was visible evidence of forced entry into the vehicle.
*
Sports & Recreational Gear
* Skis
* Snowboards (only from theft and accidental damage due to mishandling from
airline transportation)
* Surfboards (only from theft and accidental damage due to mishandling from
airline transportation)
* Golf clubs
* Tennis rackets
* Camping/climbing equipment
* Workout equipment (only from accidental damage and theft)
Clothing & Accessories
* Clothes
* Jackets
* Shoes
* Sunglasses
* Watches
* Jewelry
Appliances (only counter-top):
* Blenders
* Coffee makers
* Microwaves
* Juicers
* Mini fridges (if not built into cabinets)
Handheld/Portable Electronic Power Tools – (only covered from accidental damage
and theft)
* Robot vacuums
* Handheld drills
* Circular saws
* Jigsaws
* Sanders
* Routers
School Supplies
* Textbooks
* Backpacks
* Calculators
NOTE: All plans are per individual and will only cover items owned by the plan
holder. Individual plans cannot be shared with family or friends.
Adult and Student Plan accounts protect a maximum of one (1) phone. To cover
additional phones, please purchase additional adult or student plans. There are
no quantity limits on electronics and eligible items you want to add to your
account.
Multiple plans may be purchased at a discount with billing bundled together!
Click here for the list of items not eligible for coverage.
link
WHAT DOES AN AKKO PLAN PROTECT ME FROM?
* Cracked Screens
* Spills & Liquid Submersion
* Accidental Damage (like drops)
* Damage & Malfunctions from Accidental Damage/Drops
* Mechanical/Electrical Failures of components (see terms)
* Theft
* Theft of items from an unattended vehicle via forced entry (car break-ins)
*
link
WHAT IS THE DEDUCTIBLE ON AN AKKO PLAN?
The deductibles for phones on our phone-only protection plans or our “Everything
Protected” AKKO Plan ranges from $29 – $99 per claim based on the phone’s model.
$99 is also the max deductible even for Theft or total replacement claims! (less
than half the cost of most other protection providers.) Click here to view the
deductibles for repairs/replacements on your specific phone make/model.
If you have one of our “Everything Protected” AKKO Plans which protects 1 phone
+ 25 other items, all other items besides your phone are subject to a $99
deductible for any incident of Accidental Damage or Theft.
This amount that is “deducted” from any reimbursement payout you receive exists
so that individuals are still motivated to be careful with their stuff.
But with all of AKKO’s protection plans, we made sure to have the deductibles at
least be set at easily affordable amounts for incidents of accidental damages,
breakdowns, and theft, rather than the $150 – $400 deductibles seen on many
other protections plans for phones, laptops, and other electronics and personal
items.
--------------------------------------------------------------------------------
Note: Deductibles for lost or unrecoverable phones are equal to the deductible
for theft on the same phone model, but there is a limit of only 1
lost/unrecoverable phone claim covered per 12 months. Location tracking must be
enabled in the AKKO Mobile App and set to “Always allow” on both iPhones and
Android phones to be eligible for coverage for phones that are stolen, lost, or
unrecoverable.
link
WHAT IS THE COVERAGE LIMIT?
Phone-only Protection Plan Limits:
If you have a phone-only protection plan ($6-$12/mo), the limit of protection is
capped at the replacement cost value of your phone at the time of your claim for
each claim you file. But there is no limit on how many claims you may file or
any lifetime limit that AKKO will pay out!
This means that no matter what, you will always be covered to get an exact
replacement of your phone (down to the same make, model, color, technical specs,
and carrier) anytime the device is damaged or stolen, no matter how many times
it may be. There is no limit on the number of claims you may file and our plans
are a subscription, so there is no “term length” (unlike a warranty which may be
1-3yrs). So your phone can be covered forever!
“Everything Protected” AKKO Plan Limits:
For our “Everything Protected” AKKO Plans ($15/month for adults, $14 for
students) there is a protection limit of $2,000 PER INCIDENT** for any item.
There are no annual protection limits or a limit on the number of claims you may
file. Additionally, all protection is still based on replacement cost value of
your damaged/stolen items determined at the time of the claim. This means that
if your laptop is stolen and costs $1,200 to replace at the time of the claim,
you’ll be reimbursed $1,200 (plus any applicable sales tax or shipping) less
your deductible. You would not be reimbursed $2,000.
—
**$2,000 of protection PER INCIDENT means that if next week on Monday your
laptop is stolen, up to the replacement value of your laptop is covered as long
as that amount is less than $2,000.
If at another point in the same year you drop your tablet and the screen is
smashed, up to the repair or replacement value cost of the tablet is covered as
well as long as it’s less than $2,000.
But, there is not an annual limit of $2,000 which would be exhausted in case
replacing your laptop cost $1,800 and replacing your tablet had cost $500.
This demonstrates PER INCIDENT protection and the per incident limit with an
AKKO Plan is $2,000. There is not an annual limit.
HOWEVER, if during a single incident someone steals your entire backpack, filled
with your laptop, and tablet, up to $2,000 total is covered to replace those
items and any other contents of your backpack, plus the backpack itself. So if
the combined replacement cost was above $2,000 for all these items, you would
only have coverage up to $2,000 to be reimbursed.
Higher PER INCIDENT protection limits are available!
Once you’re registered, you can upgrade your plan to a PER INCIDENT limit as
high as $10,000. But for a more common $3,000 – $5,000 PER INCIDENT protection
limit upgrade, it’s only a few more dollars per month
The $2,000 of PER INCIDENT protection is more than enough for the majority of
users based on our studies and the claims rates of currently protected AKKO
users nationwide. But for those with more expensive items like a high-end
laptop, or specialty gear like photography or music/audio equipment, the option
to upgrade your limit is easily available. Simply contact us via the “billing”
section of your account and we can upgrade your limit.
—
Other Limitations:
1. Coverage for jewelry, watches, rings, and other items consisting of gold,
silver, or platinum or furs is limited $1,000.00 for any one Loss.
2. Coverage for bicycles is limited to $1,000.00.
3. Property in a personally owned automobile is covered, provided that the
vehicle was locked and windows are fully closed at the time of theft and there
was visible evidence of forced entry into the vehicle.
—
We re-state all this information under this separate Frequently Asked Question
because sometimes users don’t click through all questions/answers and we want to
make sure all prospective customers are fully informed
link
DO I NEED MY ITEM RECEIPTS FOR COVERAGE? WHAT IF I DON'T HAVE THEM?
It is not a requirement to have receipts for the items you want to cover on your
plan. While preferred, you can establish “proof of ownership” of your items
through other means.
For example, the pictures we have you take of your items when you add them to
your account work great for providing this “proof of ownership”!
Especially, for claims of accidental damage, copies of your purchase receipts
are typically not requested.
For theft claims, the insurance company prefers to have you show a copy of your
stolen items’ purchase receipts. This is the quickest way for them to establish
that you did in fact “own” the items you’ve claimed have been stolen.
However, if you no longer have copies of your receipts, your photos of the items
uploaded to your account can usually suffice. As a best practice, keep track of
your receipts! Have copies emailed to you when you purchase items, or take
pictures of receipts and email them to yourself or make a habit of immediately
uploading them to your AKKO account.
You can also try to contact the original seller/retailer you purchased items
from as often they will have records going back a year or two of past
transactions. You can try providing your name, phone number, email, or credit
card number to try and track down a receipt for something you purchased.
For items you purchased used or through a 3rd party marketplace platform such as
Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to
you by a seller stating the date you purchased an item, the amount paid, and
what the item was. This can suffice as a purchase receipt! Including if you paid
for items in cash.
link
WHAT ITEMS ARE NOT COVERED BY AN AKKO PLAN?
We do not cover furniture.
We do not cover drones, automobile, motorcycle, boat, motor, aircraft or
aircraft parts.
We do not cover any type of motorized land vehicle or other conveyances.
ELECTRONICS
AKKO does not cover:
* Car electronics, including car stereos, GPS navigation devices, keyless entry
* Drones
ACCESSORIES
AKKO does not cover:
* Jewelry, including watches, rings, and other items consisting of gold,
silver, platinum, or furs limited to $1,000 for any one incident of loss
* Money (currency or coin), evidences of debt, letters of credit
* Forms of identification, including student ID’s, driver’s licenses, passport
documents, notes, securities, transportation tickets or other tickets
* Pharmaceuticals (prescription or over-the-counter)
* Artwork (professional or amateur), antiques, collectables
* Animals
* Firearms or ammunition
* Salesman samples
* Contact lenses
* Keys
* Artificial teeth or limbs
* Merchandise for sale
TRANSPORTATION
AKKO does not cover:
* Motorized transportation vehicles, including e-bikes.
* Bicycles costing over $1,000
* Property from personally owned vehicle (unless stolen with evidence)
SMALL APPLIANCES
AKKO does not cover:
* Wall-mounted appliances
* Appliances integrated into cabinetry
* Appliances with Utility Hookup (Gas, water)
* Gas-powered Tools
* Electronic Power Tools are only covered against accidental damage/theft
SPORTS
AKKO does not cover:
* Surfboards from general use/handling, accidental damage from non-airline
transportation)
* Workout equipment from general use/handling)
link
DOES AKKO COVER DAMAGE TO MY CAR OR MOTOR VEHICLE? WHAT ABOUT ITEMS INSIDE MY
CAR OR MOTOR VEHICLE?
NO. This coverage does not apply to any damage or theft or loss that affects
your car or motor vehicle (such as a street scooter or motorcycle) or any items
incorporated or mounted/installed on to the exterior/interior of your vehicle
(like cameras/GPS devices). You’d have to go through your Auto-Insurance for
recovering losses.
However, your protection with AKKO does apply to items inside your car that are
Damaged or Stolen so long as you provide proof of forced entry into the vehicle
indicating that your doors/windows/trunk/cargo bags were closed and locked on
the vehicle (such as damaged/broken doors or windows).
Just as with any other claims for Theft, you must also provide a copy of your
filed police report if items are stolen from your vehicle during a break-in and
your phone must have location tracking fully enabled in the AKKO Mobile App with
location tracking set to “Always allow” in your settings.
link
DOES MY AKKO PLAN COVER LOST ITEMS AND LOST PHONES?
If you lose one of your belongings, you’ll need to evaluate the situation to
determine whether it qualifies as theft or what’s called “mysterious
disappearance” (i.e., you simply misplaced your belonging and have no idea where
it went, or it is unrecoverable such as falling into a lake).
Use tools like Find My iPhone or Google’s Find My Device to try and recover your
phone; similar services exist to track down a missing laptop or tablet. Take
screenshots or record evidence of your attempts to recover your phone to provide
the most complete set of evidence you can with your claims.
To receive reimbursement for a stolen phone or other item, you must have
location tracking fully enabled in the AKKO Mobile App. You will be prompted to
enable all settings when you iniitally setup your account and add your phone to
your plan. Ensure location tracking is set to “Always allow” in your settings.
If you have an Android device:
Make sure Find My Device is also working and enabled. Go to your web browser,
search for “Find My Device” and click the first result. Make sure you can see
the device on a map displaying “last known location” along with the device name,
make, and model.
If you have an iPhone:
The “Find My” app on iOS does not provide a history of your device’s location,
which can help provide proof of theft for your claim or help you try and recover
it. Instead, download the Google Maps app and be sure it is set to allow
location access at all times. You can verify that your Google Maps timeline is
available by checking here: https://www.google.com/maps/timeline
You will have to have location tracking fully enabled in the AKKO Mobile App if
your phone or another item is stolen and you wish to seek reimbursement for a
replacement under your plan’s reimbursement benefits.
The protection you get with one of AKKO’s protection plans will cover theft of
any item if indicated in your plan overview and inclusions, but it will only
cover one (1) incident of “mysterious disappearance” of a phone per 12 month
period and be subject to the same replacement/theft deductible for your phone
model as indicated in your account or on AKKO’s website under all other phone
deductibles.
link
WHY IS AN AKKO PLAN BETTER THAN RENTERS' OR HOMEOWNERS' INSURANCE?
Renter’s insurance (from Lemonade, Jetty, or other established insurance
providers) typically covers losses to your property from damage or theft ONLY
when you’re at home and DOES NOT cover Accidental Damage like a dropped phone or
spilling coffee on your laptop.
Accidental Damage like Cracked Screens, Spills, and Drops are more than 12x as
likely to happen than the losses that occur which Renter’s Policies will even
cover…
Additionally, the deductibles on a Renter’s Policy for losses from damage like
fires, floods, or a break-in are usually $250-$1,000…
That’s WAY higher than our $99 deductibles for ANY claim filed. Whether it’s
Accidental Damage, or Theft, Vandalism, or even a Fire/Flood, or natural
disaster.
Plus, the cost of your renter’s or homeowners insurance coverage may also
increase when you do file a claim…
Whereas the coverage you get when signing up with AKKO will never increase
because you file a claim!
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WHY IS AN AKKO PLAN SUCH A GREAT DEAL?
The short answer: because AKKO is using technology to make facilitating and
managing protection for your stuff more efficient and less costly. Typical
insurers charge really high fees on the insurance and protection plans you buy
because of the work involved in processing policies and claims.
At AKKO, we’re changing that – enabling our customers to get comprehensive,
affordable and straightforward protection. We’re ending the need to buy
protection plans or insurance at the point of sale every time you get something
new. Just add it to your AKKO plan, and you’re covered!
link
WHY HAVE I NEVER HEARD OF AKKO BEFORE? ARE YOU LEGIT?
AKKO is a startup! But we are indeed a legitimate and insured U.S. corporation
with backing from an “A” Rated insurer.
AKKO was founded in 2018 initially approved for covering college students only
with our unique protection plan that protects all of your eligible personal
items for only one simple and affordable monthly fee.
After working with a few large college organizations, AKKO began the process to
get the same amazing protection plan approved to sell to anyone.
At the start of 2020, we soft-launched our “Everything Protected” AKKO Plan! And
now we’re trying to spread the word fast so people can start protecting the
stuff they care about and rely on in an affordable and easy way.
We also added our Phone-only protection plans in November 2020 for those who are
only looking for phone protection that’s simple and affordable.
AKKO’s primary focus is on making protection easy and pleasant for our members.
When accidents or theft happens, the last thing you as the customer should have
to deal with is MORE negativity and frustration…
With AKKO, there are:
* No hidden fees
* No long lists of protection exclusions
* No restrictions on how old the stuff is you want to protect (or whether you
purchased it used)
* No long phone waits when you file a claim or need assistance
* and no weeks or months long waits to actually get reimbursement for your
losses…
We’re doing things different and are excited for you to try out our platform,
get to know our company and team, and be able to say “Thank goodness I had
AKKO…” when life’s bad and “oops” moments happen to you.
Learn more about us or reach out to chat or ask questions!
link
CAN I SIGN UP FOR AN AKKO PLAN TO COVER REPAIRS FOR PHONES OR ELECTRONICS THAT
ARE ALREADY DAMAGED?
No.
Unfortunately, that’s not how protection plans work. If you have any items that
are currently broken (cracked phone screen, water-damaged laptop, etc.), they
are not eligible to be added to an AKKO Plan and will not be repaired or
replaced by us.
For an item to be eligible for protection, you must:
1. Have an active plan with AKKO
2. Have the item’s information uploaded to your account along with pictures of
it in working and undamaged condition. This means that you’ve taken photos of
the item in accordance with all the instructions we provide when you’re adding
an item to your account.
Then, if something happens to any of your items in the future, they’re
protected!
If you do have an item that’s already damaged in any way, it will need to be
repaired fully to be eligible for protection under our plans.
Even though it may be too late for the items you’ve damaged already, signing up
for an AKKO plan today will ensure that you’re covered in case misfortune (or
clumsiness) strikes again!
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DOES AN AKKO PLAN PROTECT MY PHONE AND OTHER ITEMS WHEN I TRAVEL OR STUDY
ABROAD?
YES! As long as you’re a U.S. or Canadian resident with our protection, your
items are fully protected when you travel or are living/staying abroad. ANYWHERE
IN THE WORLD!
The same procedures apply for filing claims if any of your items are affected by
accidental damage or theft while you are abroad. Check our article here on how
claims work.
AKKO will send you the funds for your claim payout electronically so you can get
a repair or replacement where you are.
Please note that if your claim requires an item replacement, funds will be sent
to you equal to the cost of replacement for your item based upon U.S. prices.
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HOW CAN I UPGRADE MY COVERAGE TO A HIGHER LIMIT?
To upgrade your coverage, just email us at billing@getAKKO.com for help with
changing your coverage plan. We’ll update your plan and confirm the changes with
the insurance company so that your plan can have a higher coverage limit to
accommodate your more expensive items, or a higher per incident limit for your
stuff.
For Student Plans, we have coverage limits that range from $2,000 to $6,000 per
incident in increments of $1,000, all with a $99 deductible.
For Adult Plans, we currently offer plans with per incident coverage limits of
$2,000 – $6,000 in increments of $1,000, all with a $99 deductible.
If you want to protect multiple phones on a single plan, you may need to upgrade
your coverage with an add-on or purchase additional AKKO Plans.
link
WHEN DOES MY COVERAGE TAKE EFFECT?
Your protection begins at 12:01 a.m. Standard Time at the location of your
property the day after your account is created and payment is current and
activation is completed.
There is a waiting period of 30 days before any coverage under your membership
plan begins (including protection against accidental damages, device
malfunctions/failures, theft, or lost phones). In situations where ample
photo/video evidence is available, and all photo verification steps have been
completed for your item, this waiting period may be waived for cracked screen
damages, but no other type of accidental damages, malfunctions, theft, or
lost/unrecoverable phones.
Be sure to follow all instructions within your account for adding photos and
information for your items.
Photos of phones should be uploaded using the phone’s own cameras (front and
rear) to provide pictures of the front (screen) and back sides of the device by
taking the photos in front of a mirror. Follow all instructions and examples
provided in the AKKO Mobile or Web App. For tablets, a photo of the tablet’s
“About” page in settings should also be provided by using another device (do not
provide a screenshot) and the serial # of the device should be visible on the
screen, as well as the entire front of the tablet being visible.
Photos of laptops and computers should be taken by including a photo of the
device with the screen powered on and also displaying the “about” page showing
the specs and serial # of the computer. The entire screen should be visible in
this photo.
Photos of TVs should also be taken where the screen is powered on and displaying
video/image. It is required to provide a photo of the serial # displayed on the
TV’s screen which can be accessed in the TV’s settings.
For gaming consoles, be sure to include photos that show the device powered on
with image/video visible on a display. It is required to provide a photo of the
serial # of the gaming device displayed on its own screen, or an external
TV/display. This can be found in the gaming device’s settings. Do not just
include photos of the gaming console itself if it has no screen, it must be
plugged into a TV/display.
link
CAN I ADD ITEMS THAT ARE OLDER OR USED TO MY PROTECTION PLAN?
YES!
The age or place you purchased your items does not matter. As long as an item is
eligible for protection, regardless of its age or if you purchased it used from
a store or individual, you can add it to your plan and have it protected through
AKKO against accidental damages and theft.
See what items are eligible for protection here.
NOTE: for electronics, parts failures are only covered for devices that were
purchased new and within 120 days after you enroll with AKKO (except for
phones). Older items ARE still covered for accidental damage and theft as long
as they are undamaged and fully functional! (see more info here)
RECEIPTS:
For items you purchased used or through a 3rd party marketplace platform such as
Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to
you by a seller stating the date you purchased an item, the amount paid, and
what the item was.
This can suffice as a receipt should you be asked to provide one during a claim.
However, for any claim of theft, you must also be able to provide proof of
purchase (such as a record of a PayPal or Venmo payment, or a copy of your
credit card or bank statement showing the date and amount paid). Read more here
about how purchase receipts are not required for coverage.
link
CAN I COVER A PHONE THAT IS LEASED OR FINANCED?
Yes! You may cover any phone which is yours and in your possession. You do not
need to have your phone paid-in-full.
Many of our customers have phones paid for on installment plans through their
cellular carriers or other retailers.
When you register, the same process applies for adding your phone to your
account. For uploading a receipt, just download a PDF or take a screenshot of
your most recent bill/statement from the cellular carrier or retailer showing
your installment payment and the type of device.
Please note that for any claim on a leased/financed phone that requires
replacement of the device, the remaining balance you owe for the device will
have to be fully paid off before you can receive your remaining claim
reimbursement.
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WHAT DOES AN AKKO PLAN PROTECT ME FROM?
* Cracked Screens
* Spills & Liquid Submersion
* Accidental Damage (like drops)
* Damage & Malfunctions from Accidental Damage/Drops
* Mechanical/Electrical Failures of components (see terms)
* Theft
* Theft of items from an unattended vehicle via forced entry (car break-ins)
*
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WHAT IS THE DEDUCTIBLE ON AN AKKO PLAN?
The deductibles for phones on our phone-only protection plans or our “Everything
Protected” AKKO Plan ranges from $29 – $99 per claim based on the phone’s model.
$99 is also the max deductible even for Theft or total replacement claims! (less
than half the cost of most other protection providers.) Click here to view the
deductibles for repairs/replacements on your specific phone make/model.
If you have one of our “Everything Protected” AKKO Plans which protects 1 phone
+ 25 other items, all other items besides your phone are subject to a $99
deductible for any incident of Accidental Damage or Theft.
This amount that is “deducted” from any reimbursement payout you receive exists
so that individuals are still motivated to be careful with their stuff.
But with all of AKKO’s protection plans, we made sure to have the deductibles at
least be set at easily affordable amounts for incidents of accidental damages,
breakdowns, and theft, rather than the $150 – $400 deductibles seen on many
other protections plans for phones, laptops, and other electronics and personal
items.
--------------------------------------------------------------------------------
Note: Deductibles for lost or unrecoverable phones are equal to the deductible
for theft on the same phone model, but there is a limit of only 1
lost/unrecoverable phone claim covered per 12 months. Location tracking must be
enabled in the AKKO Mobile App and set to “Always allow” on both iPhones and
Android phones to be eligible for coverage for phones that are stolen, lost, or
unrecoverable.
link
DOES MY AKKO PLAN COVER LOST ITEMS AND LOST PHONES?
If you lose one of your belongings, you’ll need to evaluate the situation to
determine whether it qualifies as theft or what’s called “mysterious
disappearance” (i.e., you simply misplaced your belonging and have no idea where
it went, or it is unrecoverable such as falling into a lake).
Use tools like Find My iPhone or Google’s Find My Device to try and recover your
phone; similar services exist to track down a missing laptop or tablet. Take
screenshots or record evidence of your attempts to recover your phone to provide
the most complete set of evidence you can with your claims.
To receive reimbursement for a stolen phone or other item, you must have
location tracking fully enabled in the AKKO Mobile App. You will be prompted to
enable all settings when you iniitally setup your account and add your phone to
your plan. Ensure location tracking is set to “Always allow” in your settings.
If you have an Android device:
Make sure Find My Device is also working and enabled. Go to your web browser,
search for “Find My Device” and click the first result. Make sure you can see
the device on a map displaying “last known location” along with the device name,
make, and model.
If you have an iPhone:
The “Find My” app on iOS does not provide a history of your device’s location,
which can help provide proof of theft for your claim or help you try and recover
it. Instead, download the Google Maps app and be sure it is set to allow
location access at all times. You can verify that your Google Maps timeline is
available by checking here: https://www.google.com/maps/timeline
You will have to have location tracking fully enabled in the AKKO Mobile App if
your phone or another item is stolen and you wish to seek reimbursement for a
replacement under your plan’s reimbursement benefits.
The protection you get with one of AKKO’s protection plans will cover theft of
any item if indicated in your plan overview and inclusions, but it will only
cover one (1) incident of “mysterious disappearance” of a phone per 12 month
period and be subject to the same replacement/theft deductible for your phone
model as indicated in your account or on AKKO’s website under all other phone
deductibles.
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CAN I ADD MULTIPLE PHONES TO MY AKKO PLAN?
Plans cannot be shared with friends, family members, or anyone else. All plans
are per individual and will only cover items that the account holder owns.
All accounts may have up to one (1) phone on them. To add more phones, you must
purchase additional plans – either phone-only or an “Everything Protected” AKKO
Plan.
New Customers:
– Purchase “Everything Protected” AKKO Plans for your family/group: CLICK HERE
– Purchase multiple Phone-only protection plans: CLICK HERE
Current Members:
– Contact our billing team via Chat or email billing@getAKKO.com to add
additional plans for new members/devices
– Did you already register multiple plans? Remember, each phone has its own
login. Be sure to have each member of your group/family login to their own
account using their own cell phone number to activate and register their
protection. (more info)
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WHAT'S THE PROCESS FOR FILING A CLAIM? HOW LONG WILL IT TAKE FOR MY REPAIR OR
REPLACEMENT?
AKKO is all about making claims easy and fast for you!
Here is the process for claims:
1. Login to your AKKO account and file your claim from your phone or the web.
2. A team member will reach out to you the same or next day to collect any
applicable extra information, or to direct you to a nearby repair provider.
3. Repairs: If your item is in need of repairs, AKKO will either pay you or a
repair shop for repairs for your item(s). If funds are paid to you directly,
you can receive funds via PayPal, or a wire transfer initiated the same-day
as claim approval. (many of our repair claims, such as cracked phone
screens, get fully resolved within 24hrs!)
4. Replacements: If your item is in need of total replacement (unrepairable or
stolen), AKKO will send you a payout equal to the replacement value, or can
also have a replacement item sent straight to you.
Notes:
* Your deductible is subtracted from any claim payouts. (for example, if your
screen repair is $158 after tax, and the repair deductible for your phone is
$49, you would receive a payout of $109)
* Claims of theft will take longer to resolve than damage claims. Police
reports and proof of purchase are required and copies must be submitted to
our team, the time to receive a report may vary based on where you live.
* If you have Apple devices which a local repair provider is not able to
service, then you can get them taken care of at an Apple Store, we WILL NOT
force you to send us your Apple devices to get repaired. Our goal is to get
your items fixed/replaced ASAP
How do we determine the replacement value of your items?
If your item(s) are too extensively damaged (or were stolen) and you require a
replacement device or item, our team member will find the replacement value of
the item by looking at the cost of an available refurbished replacement of the
same make/model/year/specs then send you a reimbursement payout.
For example, if your iPhone X was stolen or completely destroyed, we would find
the value of a refurbished iPhone X and your payout would be the cost of the
replacement, plus sales tax if applicable, then subtracting your plan’s
deductible ($29-$99 based on your phone, or for non-phone items $99 on our
“Everything Protected” AKKO Plan for adults and students.
AKKO will not determine the value of your item based on what used iPhone X
phones or other items are being sold for by random individuals online.
Replacement values are only determined based off items sold by businesses. You
also will not receive a payout based on the value you initially paid for your
phone or any other affected item when it was new.
The same process applies to claims for other electronics and personal items on
your plan which are eligible for protection.
THEFT: For the theft of a phone or any of your items to be eligible for
reimbursement, you must have device location tracking enabled in the AKKO Mobile
App.
link
IF MY PHONE OR OTHER ITEMS NEED TO BE COMPLETELY REPLACED, HOW MUCH MONEY DO I
GET TO DO SO?
Replacements:
If your items are too extensively damaged (or were stolen) and you require a
replacement device or item, we offer a few flexible options to best suit your
preference!
1) We can send you instant cash (via PayPal, Zelle, or Check) for a refurbished
replacement of your device.
2) If no replacement value can be found for your item, we would send you the
funds for the value of a newer model/available.
3) Instead of cash, we can send you a refurbished device listed in very good
condition.
4) Instead of cash, we can send you a newer/different device model and you pay
the difference for any upgraded model.
As a general note, we find the replacement value of the item by looking at the
cost of refurbished items of the same make/model/year. Check out Backmarket.com
and Swappa.com to see the present value of your phone model or other devices.
For example, if your iPhone X was stolen or completely destroyed, we would find
the value of a refurbished iPhone X and your payout would be the cost of the
replacement, plus sales tax if applicable, then subtracting your plan’s
deductible ($29-$99 based upon your plan and item). This is in reference to
option “1)” above if you wanted instant cash.
We will not base the value of your item off of what used iPhone X phones are
being sold for by random individuals on a site like OfferUp or Craigslist. You
also will not receive a payout based on the value you initially paid for the
phone when it was new, unless no replacement can be found.
The same process applies to claims for other electronics and personal items on
your plan which are eligible for coverage.
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WHEN DOES MY COVERAGE TAKE EFFECT?
Your protection begins at 12:01 a.m. Standard Time at the location of your
property the day after your account is created and payment is current and
activation is completed.
There is a waiting period of 30 days before any coverage under your membership
plan begins (including protection against accidental damages, device
malfunctions/failures, theft, or lost phones). In situations where ample
photo/video evidence is available, and all photo verification steps have been
completed for your item, this waiting period may be waived for cracked screen
damages, but no other type of accidental damages, malfunctions, theft, or
lost/unrecoverable phones.
Be sure to follow all instructions within your account for adding photos and
information for your items.
Photos of phones should be uploaded using the phone’s own cameras (front and
rear) to provide pictures of the front (screen) and back sides of the device by
taking the photos in front of a mirror. Follow all instructions and examples
provided in the AKKO Mobile or Web App. For tablets, a photo of the tablet’s
“About” page in settings should also be provided by using another device (do not
provide a screenshot) and the serial # of the device should be visible on the
screen, as well as the entire front of the tablet being visible.
Photos of laptops and computers should be taken by including a photo of the
device with the screen powered on and also displaying the “about” page showing
the specs and serial # of the computer. The entire screen should be visible in
this photo.
Photos of TVs should also be taken where the screen is powered on and displaying
video/image. It is required to provide a photo of the serial # displayed on the
TV’s screen which can be accessed in the TV’s settings.
For gaming consoles, be sure to include photos that show the device powered on
with image/video visible on a display. It is required to provide a photo of the
serial # of the gaming device displayed on its own screen, or an external
TV/display. This can be found in the gaming device’s settings. Do not just
include photos of the gaming console itself if it has no screen, it must be
plugged into a TV/display.
link
CAN I ADD ITEMS THAT ARE OLDER OR USED TO MY PROTECTION PLAN?
YES!
The age or place you purchased your items does not matter. As long as an item is
eligible for protection, regardless of its age or if you purchased it used from
a store or individual, you can add it to your plan and have it protected through
AKKO against accidental damages and theft.
See what items are eligible for protection here.
NOTE: for electronics, parts failures are only covered for devices that were
purchased new and within 120 days after you enroll with AKKO (except for
phones). Older items ARE still covered for accidental damage and theft as long
as they are undamaged and fully functional! (see more info here)
RECEIPTS:
For items you purchased used or through a 3rd party marketplace platform such as
Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to
you by a seller stating the date you purchased an item, the amount paid, and
what the item was.
This can suffice as a receipt should you be asked to provide one during a claim.
However, for any claim of theft, you must also be able to provide proof of
purchase (such as a record of a PayPal or Venmo payment, or a copy of your
credit card or bank statement showing the date and amount paid). Read more here
about how purchase receipts are not required for coverage.
link
CAN I COVER A PHONE THAT IS LEASED OR FINANCED?
Yes! You may cover any phone which is yours and in your possession. You do not
need to have your phone paid-in-full.
Many of our customers have phones paid for on installment plans through their
cellular carriers or other retailers.
When you register, the same process applies for adding your phone to your
account. For uploading a receipt, just download a PDF or take a screenshot of
your most recent bill/statement from the cellular carrier or retailer showing
your installment payment and the type of device.
Please note that for any claim on a leased/financed phone that requires
replacement of the device, the remaining balance you owe for the device will
have to be fully paid off before you can receive your remaining claim
reimbursement.
link
ARE UNLOCKED PHONES COVERED?
Yes! It does not matter what carrier you use or if your phone is unlocked or
financed.
No matter which plan you choose, your unlocked phone will be protected against
Accidental Damage & Theft.
When you register, the same process applies for adding your phone to your
account. You will take pictures of its front and back to verify its working and
undamaged condition.
Learn more about coverage on phones here.
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WHAT IF I WANT TO SIGN UP FOR AKKO BUT MY PHONE IS ALREADY BROKEN?
NO. Unfortunately that’s not how protection plans work…
If you have any items that are currently broken (cracked phone screen, water
damaged laptop, etc.) then you CAN NOT sign up and then file a claim to have
those items fixed.
For an item to be eligible for protection, you must:
1) have an active plan with AKKO
2) have the item’s information uploaded to your account along with pictures of
it in working and un-damaged condition. This means that you’ve taken photos of
the item in accordance with all instructions within your account based on the
item you are adding.
Then, if something happens to any of your items in the future, they’re
protected!
If you do have an item that’s currently already damaged, it will need to be
repaired fully to be eligible for protection under our plans. If you do have any
items currently damaged, get them fixed and then be sure to sign up for either
our Phone-only protection plan or our “Everything Protected” AKKO Plan now so
that the next time some mishap happens, we’ll cover it!
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WHAT IS THE DEDUCTIBLE ON AN AKKO PLAN?
The deductibles for phones on our phone-only protection plans or our “Everything
Protected” AKKO Plan ranges from $29 – $99 per claim based on the phone’s model.
$99 is also the max deductible even for Theft or total replacement claims! (less
than half the cost of most other protection providers.) Click here to view the
deductibles for repairs/replacements on your specific phone make/model.
If you have one of our “Everything Protected” AKKO Plans which protects 1 phone
+ 25 other items, all other items besides your phone are subject to a $99
deductible for any incident of Accidental Damage or Theft.
This amount that is “deducted” from any reimbursement payout you receive exists
so that individuals are still motivated to be careful with their stuff.
But with all of AKKO’s protection plans, we made sure to have the deductibles at
least be set at easily affordable amounts for incidents of accidental damages,
breakdowns, and theft, rather than the $150 – $400 deductibles seen on many
other protections plans for phones, laptops, and other electronics and personal
items.
--------------------------------------------------------------------------------
Note: Deductibles for lost or unrecoverable phones are equal to the deductible
for theft on the same phone model, but there is a limit of only 1
lost/unrecoverable phone claim covered per 12 months. Location tracking must be
enabled in the AKKO Mobile App and set to “Always allow” on both iPhones and
Android phones to be eligible for coverage for phones that are stolen, lost, or
unrecoverable.
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WHAT IS THE COVERAGE LIMIT?
Phone-only Protection Plan Limits:
If you have a phone-only protection plan ($6-$12/mo), the limit of protection is
capped at the replacement cost value of your phone at the time of your claim for
each claim you file. But there is no limit on how many claims you may file or
any lifetime limit that AKKO will pay out!
This means that no matter what, you will always be covered to get an exact
replacement of your phone (down to the same make, model, color, technical specs,
and carrier) anytime the device is damaged or stolen, no matter how many times
it may be. There is no limit on the number of claims you may file and our plans
are a subscription, so there is no “term length” (unlike a warranty which may be
1-3yrs). So your phone can be covered forever!
“Everything Protected” AKKO Plan Limits:
For our “Everything Protected” AKKO Plans ($15/month for adults, $14 for
students) there is a protection limit of $2,000 PER INCIDENT** for any item.
There are no annual protection limits or a limit on the number of claims you may
file. Additionally, all protection is still based on replacement cost value of
your damaged/stolen items determined at the time of the claim. This means that
if your laptop is stolen and costs $1,200 to replace at the time of the claim,
you’ll be reimbursed $1,200 (plus any applicable sales tax or shipping) less
your deductible. You would not be reimbursed $2,000.
—
**$2,000 of protection PER INCIDENT means that if next week on Monday your
laptop is stolen, up to the replacement value of your laptop is covered as long
as that amount is less than $2,000.
If at another point in the same year you drop your tablet and the screen is
smashed, up to the repair or replacement value cost of the tablet is covered as
well as long as it’s less than $2,000.
But, there is not an annual limit of $2,000 which would be exhausted in case
replacing your laptop cost $1,800 and replacing your tablet had cost $500.
This demonstrates PER INCIDENT protection and the per incident limit with an
AKKO Plan is $2,000. There is not an annual limit.
HOWEVER, if during a single incident someone steals your entire backpack, filled
with your laptop, and tablet, up to $2,000 total is covered to replace those
items and any other contents of your backpack, plus the backpack itself. So if
the combined replacement cost was above $2,000 for all these items, you would
only have coverage up to $2,000 to be reimbursed.
Higher PER INCIDENT protection limits are available!
Once you’re registered, you can upgrade your plan to a PER INCIDENT limit as
high as $10,000. But for a more common $3,000 – $5,000 PER INCIDENT protection
limit upgrade, it’s only a few more dollars per month
The $2,000 of PER INCIDENT protection is more than enough for the majority of
users based on our studies and the claims rates of currently protected AKKO
users nationwide. But for those with more expensive items like a high-end
laptop, or specialty gear like photography or music/audio equipment, the option
to upgrade your limit is easily available. Simply contact us via the “billing”
section of your account and we can upgrade your limit.
—
Other Limitations:
1. Coverage for jewelry, watches, rings, and other items consisting of gold,
silver, or platinum or furs is limited $1,000.00 for any one Loss.
2. Coverage for bicycles is limited to $1,000.00.
3. Property in a personally owned automobile is covered, provided that the
vehicle was locked and windows are fully closed at the time of theft and there
was visible evidence of forced entry into the vehicle.
—
We re-state all this information under this separate Frequently Asked Question
because sometimes users don’t click through all questions/answers and we want to
make sure all prospective customers are fully informed
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DO I NEED MY ITEM RECEIPTS FOR COVERAGE? WHAT IF I DON'T HAVE THEM?
It is not a requirement to have receipts for the items you want to cover on your
plan. While preferred, you can establish “proof of ownership” of your items
through other means.
For example, the pictures we have you take of your items when you add them to
your account work great for providing this “proof of ownership”!
Especially, for claims of accidental damage, copies of your purchase receipts
are typically not requested.
For theft claims, the insurance company prefers to have you show a copy of your
stolen items’ purchase receipts. This is the quickest way for them to establish
that you did in fact “own” the items you’ve claimed have been stolen.
However, if you no longer have copies of your receipts, your photos of the items
uploaded to your account can usually suffice. As a best practice, keep track of
your receipts! Have copies emailed to you when you purchase items, or take
pictures of receipts and email them to yourself or make a habit of immediately
uploading them to your AKKO account.
You can also try to contact the original seller/retailer you purchased items
from as often they will have records going back a year or two of past
transactions. You can try providing your name, phone number, email, or credit
card number to try and track down a receipt for something you purchased.
For items you purchased used or through a 3rd party marketplace platform such as
Craigslist, eBay, Facebook Marketplace, or OfferUp, request an email be sent to
you by a seller stating the date you purchased an item, the amount paid, and
what the item was. This can suffice as a purchase receipt! Including if you paid
for items in cash.
link
WHEN MY ITEMS ARE DAMAGED OR STOLEN, WHAT DO I DO?
AKKO is all about making claims easy and fast for you!
Here is the process for claims:
1. Login to your AKKO account and file your claim from your phone or the web.
2. A team member will reach out to you the same or next day to collect any
applicable extra information, or to direct you to a nearby repair provider.
3. Repairs: If your item is in need of repairs, AKKO will either pay you or a
repair shop for repairs for your item(s). If funds are paid to you directly,
you can receive funds via PayPal, or a wire transfer initiated the same-day
as claim approval. (many of our repair claims, such as cracked phone
screens, get fully resolved within 24hrs!)
4. Replacements: If your item is in need of total replacement (unrepairable or
stolen), AKKO will send you a payout equal to the replacement value, or can
also have a replacement item sent straight to you.
Notes:
* Your deductible is subtracted from any claim payouts. (for example, if your
screen repair is $158 after tax, and the repair deductible for your phone is
$49, you would receive a payout of $109)
* Claims of theft will take longer to resolve than damage claims. Police
reports and proof of purchase are required and copies must be submitted to
our team, the time to receive a report may vary based on where you live.
* If you have Apple devices which a local repair provider is not able to
service, then you can get them taken care of at an Apple Store, we WILL NOT
force you to send us your Apple devices to get repaired. Our goal is to get
your items fixed/replaced ASAP
How do we determine the replacement value of your items?
If your item(s) are too extensively damaged (or were stolen) and you require a
replacement device or item, our team member will find the replacement value of
the item by looking at the cost of an available refurbished replacement of the
same make/model/year/specs then send you a reimbursement payout.
For example, if your iPhone X was stolen or completely destroyed, we would find
the value of a refurbished iPhone X and your payout would be the cost of the
replacement, plus sales tax if applicable, then subtracting your plan’s
deductible ($29-$99 based on your phone, or for non-phone items $99 on our
“Everything Protected” AKKO Plan for adults and students.
AKKO will not determine the value of your item based on what used iPhone X
phones or other items are being sold for by random individuals online.
Replacement values are only determined based off items sold by businesses. You
also will not receive a payout based on the value you initially paid for your
phone or any other affected item when it was new.
The same process applies to claims for other electronics and personal items on
your plan which are eligible for protection.
THEFT: For the theft of a phone or any of your items to be eligible for
reimbursement, you must have device location tracking enabled in the AKKO Mobile
App.
link
CAN I SIGN UP FOR AN AKKO PLAN TO COVER REPAIRS FOR PHONES OR ELECTRONICS THAT
ARE ALREADY DAMAGED?
No.
Unfortunately, that’s not how protection plans work. If you have any items that
are currently broken (cracked phone screen, water-damaged laptop, etc.), they
are not eligible to be added to an AKKO Plan and will not be repaired or
replaced by us.
For an item to be eligible for protection, you must:
1. Have an active plan with AKKO
2. Have the item’s information uploaded to your account along with pictures of
it in working and undamaged condition. This means that you’ve taken photos of
the item in accordance with all the instructions we provide when you’re adding
an item to your account.
Then, if something happens to any of your items in the future, they’re
protected!
If you do have an item that’s already damaged in any way, it will need to be
repaired fully to be eligible for protection under our plans.
Even though it may be too late for the items you’ve damaged already, signing up
for an AKKO plan today will ensure that you’re covered in case misfortune (or
clumsiness) strikes again!
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HOW LONG DOES IT TAKE TO RECEIVE PAYMENT FOR MY REPAIRS/REPLACEMENT ONCE MY
CLAIM IS APPROVED?
After your claim is approved, we’ll transfer you funds to reimburse you for your
repairs/replacement, less your deductible same-day!
link
WHAT'S THE PROCESS FOR FILING A CLAIM? HOW LONG WILL IT TAKE FOR MY REPAIR OR
REPLACEMENT?
AKKO is all about making claims easy and fast for you!
Here is the process for claims:
1. Login to your AKKO account and file your claim from your phone or the web.
2. A team member will reach out to you the same or next day to collect any
applicable extra information, or to direct you to a nearby repair provider.
3. Repairs: If your item is in need of repairs, AKKO will either pay you or a
repair shop for repairs for your item(s). If funds are paid to you directly,
you can receive funds via PayPal, or a wire transfer initiated the same-day
as claim approval. (many of our repair claims, such as cracked phone
screens, get fully resolved within 24hrs!)
4. Replacements: If your item is in need of total replacement (unrepairable or
stolen), AKKO will send you a payout equal to the replacement value, or can
also have a replacement item sent straight to you.
Notes:
* Your deductible is subtracted from any claim payouts. (for example, if your
screen repair is $158 after tax, and the repair deductible for your phone is
$49, you would receive a payout of $109)
* Claims of theft will take longer to resolve than damage claims. Police
reports and proof of purchase are required and copies must be submitted to
our team, the time to receive a report may vary based on where you live.
* If you have Apple devices which a local repair provider is not able to
service, then you can get them taken care of at an Apple Store, we WILL NOT
force you to send us your Apple devices to get repaired. Our goal is to get
your items fixed/replaced ASAP
How do we determine the replacement value of your items?
If your item(s) are too extensively damaged (or were stolen) and you require a
replacement device or item, our team member will find the replacement value of
the item by looking at the cost of an available refurbished replacement of the
same make/model/year/specs then send you a reimbursement payout.
For example, if your iPhone X was stolen or completely destroyed, we would find
the value of a refurbished iPhone X and your payout would be the cost of the
replacement, plus sales tax if applicable, then subtracting your plan’s
deductible ($29-$99 based on your phone, or for non-phone items $99 on our
“Everything Protected” AKKO Plan for adults and students.
AKKO will not determine the value of your item based on what used iPhone X
phones or other items are being sold for by random individuals online.
Replacement values are only determined based off items sold by businesses. You
also will not receive a payout based on the value you initially paid for your
phone or any other affected item when it was new.
The same process applies to claims for other electronics and personal items on
your plan which are eligible for protection.
THEFT: For the theft of a phone or any of your items to be eligible for
reimbursement, you must have device location tracking enabled in the AKKO Mobile
App.
link
IF MY PHONE OR OTHER ITEMS NEED TO BE COMPLETELY REPLACED, HOW MUCH MONEY DO I
GET TO DO SO?
Replacements:
If your items are too extensively damaged (or were stolen) and you require a
replacement device or item, we offer a few flexible options to best suit your
preference!
1) We can send you instant cash (via PayPal, Zelle, or Check) for a refurbished
replacement of your device.
2) If no replacement value can be found for your item, we would send you the
funds for the value of a newer model/available.
3) Instead of cash, we can send you a refurbished device listed in very good
condition.
4) Instead of cash, we can send you a newer/different device model and you pay
the difference for any upgraded model.
As a general note, we find the replacement value of the item by looking at the
cost of refurbished items of the same make/model/year. Check out Backmarket.com
and Swappa.com to see the present value of your phone model or other devices.
For example, if your iPhone X was stolen or completely destroyed, we would find
the value of a refurbished iPhone X and your payout would be the cost of the
replacement, plus sales tax if applicable, then subtracting your plan’s
deductible ($29-$99 based upon your plan and item). This is in reference to
option “1)” above if you wanted instant cash.
We will not base the value of your item off of what used iPhone X phones are
being sold for by random individuals on a site like OfferUp or Craigslist. You
also will not receive a payout based on the value you initially paid for the
phone when it was new, unless no replacement can be found.
The same process applies to claims for other electronics and personal items on
your plan which are eligible for coverage.
link
ARE APPLE STORE REPAIRS COVERED?
After you file a claim for your Apple devices, we’ll direct you to the closest
repair provider able to handle your claim and provide repairs for your item.
If no nearby repair provider is able to service your Apple devices, you can go
directly to an Apple Store or use Apple’s mail-in services for repairs. We’ll
never require you to ship us your Apple devices!
We want your items fixed ASAP.
All repairs that are completed through your claims with AKKO at any repair
provider are also backed by a 12 month warranty!
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HOW CAN I UPGRADE MY COVERAGE TO A HIGHER LIMIT?
To upgrade your coverage, just email us at billing@getAKKO.com for help with
changing your coverage plan. We’ll update your plan and confirm the changes with
the insurance company so that your plan can have a higher coverage limit to
accommodate your more expensive items, or a higher per incident limit for your
stuff.
For Student Plans, we have coverage limits that range from $2,000 to $6,000 per
incident in increments of $1,000, all with a $99 deductible.
For Adult Plans, we currently offer plans with per incident coverage limits of
$2,000 – $6,000 in increments of $1,000, all with a $99 deductible.
If you want to protect multiple phones on a single plan, you may need to upgrade
your coverage with an add-on or purchase additional AKKO Plans.
link
WHAT IF I WANT TO SIGN UP FOR AKKO BUT MY PHONE IS ALREADY BROKEN?
NO. Unfortunately that’s not how protection plans work…
If you have any items that are currently broken (cracked phone screen, water
damaged laptop, etc.) then you CAN NOT sign up and then file a claim to have
those items fixed.
For an item to be eligible for protection, you must:
1) have an active plan with AKKO
2) have the item’s information uploaded to your account along with pictures of
it in working and un-damaged condition. This means that you’ve taken photos of
the item in accordance with all instructions within your account based on the
item you are adding.
Then, if something happens to any of your items in the future, they’re
protected!
If you do have an item that’s currently already damaged, it will need to be
repaired fully to be eligible for protection under our plans. If you do have any
items currently damaged, get them fixed and then be sure to sign up for either
our Phone-only protection plan or our “Everything Protected” AKKO Plan now so
that the next time some mishap happens, we’ll cover it!
link
HOW DOES MECHANICAL/ELECTRICAL COVERAGE WORK FOR MY PERSONAL ELECTRONICS
Our AKKO Plan ( $15/month plan that protects 1 phone + 25 items) includes a
mechanical/electrical components failure protection guarantee for all your
portable electronic devices and TVs that lasts for 36 months from the date of
purchase of each device.
Portable electronic devices and TVs you add to your AKKO account for this
protection must have been purchased “new” by you either within the 120 days
prior to your registration, or anytime after you registered your plan. You must
upload your purchase receipt with each device you wish to have this protection
to your AKKO account.
It’s basically like having FREE 3-year warranties on all of your portable
electronic devices and TVs!
Terms:
For any of your portable electronic devices or TVs which already have an active
warranty which covers mechanical/electrical component failures (either provided
by the manufacturer of the device, a retailer/reseller, or third party) any
claims pertaining to mechanical/electrical component failures would first go
through your existing/included warranty.
After any existing warranty expires covering mechanical/electrical failures for
your eligible devices, AKKO would take over for the remainder of the 36 month
period starting from the date of purchase of the eligible portable electronic
device or TV.
A portable electronic device is defined as any device which requires either an
internal, or external battery to operate. In addition to portable electronics,
this protection and these terms also apply to TVs. All claims are still subject
to your plan’s standard service fees/deductibles.
This special protection ends for your devices if you cancel your plan with AKKO
and cannot be resumed even if you choose to then re-enroll with AKKO at a later
point in time.
link
CAN I GET A GROUP DISCOUNT WHEN BUYING MULTIPLE AKKO PLANS? FOR MY FAMILY,
COMPANY, CLUB, SCHOOL, OR FRATERNITY/SORORITY?
Yes! You can get 5% off when purchasing 2 or more plans. Just CLICK HERE.
If you have a group of 10+, reach out to Billing@getAKKO.com and we’d be happy
to set you up with an even greater discount.
We can also generate a special discount code for a group you’re a part of such
as your company, club, school, or other organization like a fraternity or
sorority.
link
HOW DO I CANCEL MY AKKO PLAN?
From the “support” section in the app, you can choose the link to “cancel my
plan” or email us at billing@getAKKO.com
Your plan can either continue until the end of your billing cycle, or be
terminated immediately and then you will receive an appropriate pro-rated refund
of any balance you’ve already paid. If you cancel within the first 30 days from
having initially registered, we’ll provide a full refund.
link
HOW DO I UPDATE MY ADDRESS ON MY ACCOUNT?
Please email us at billing@getAKKO.com with a message saying “my new mailing
address” and then put your new address. Simple!
link
HOW CAN I CHANGE OR UPDATE MY CREDIT CARD ON MY ACCOUNT?
We have a few options to update your Credit Card on your account. The first and
easiest is to log into your AKKO account and do it from there! You can click
‘Account’, scroll down to ‘Billing’ and update it directly on our site.
Login here: https://app.getAKKO.com/login
If you have any past due bills, a button will also be visible which says “pay
bill.”
If you have any difficulty with updating your card or paying a past due invoice
through your account page, please email us at billing@getAKKO.com.
link
HOW CAN I UPGRADE MY COVERAGE TO A HIGHER LIMIT?
To upgrade your coverage, just email us at billing@getAKKO.com for help with
changing your coverage plan. We’ll update your plan and confirm the changes with
the insurance company so that your plan can have a higher coverage limit to
accommodate your more expensive items, or a higher per incident limit for your
stuff.
For Student Plans, we have coverage limits that range from $2,000 to $6,000 per
incident in increments of $1,000, all with a $99 deductible.
For Adult Plans, we currently offer plans with per incident coverage limits of
$2,000 – $6,000 in increments of $1,000, all with a $99 deductible.
If you want to protect multiple phones on a single plan, you may need to upgrade
your coverage with an add-on or purchase additional AKKO Plans.
link
Contact Us
CONTACT
* contact@getAKKO.com
* billing@getAKKO.com
* partners@getAKKO.com
* business@getAKKO.com
* PR@getAKKO.com
LINKS
* Phone Insurance
* Family Plans
* Business Device Protection
* Partner with AKKO
* Join the Team
RESOURCES
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* Why every student needs an AKKO plan
* How to switch to AKKO
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© 2023 AKKO LLC
READ LEGAL DISCLAIMERS & OUTLINED INFORMATION ON MEMBERSHIP PLANS & PLAN
COVERAGES
READ TERMS OF USE & PRIVACY POLICY FOR WEBSITE & WEB-APP
AKKO LLC is not a licensed insurance broker, agent, underwriter, nor receives
any broker/agent commissions on insurance coverage products provided with or
through our memberships. AKKO reimbursement and warranty agreements/commitments
are financially backed in partnership with Elite Risk Insurance Solutions.
Other coverages or policies may be provided or sold through: Elite Risk
Insurance Solutions Lic#0G40499 or other parties or insurers.
¹Phones must be fully functional and without damage to be eligible for coverage.
Phones with foldable screens cost up to $15 per month.
²Subject to applicable terms and limitations, you may file unlimited claims for
eligible device breakdowns and accidental damage from handling.
³Subject to applicable terms and limitations, you may file unlimited requests
for benefits for the theft of eligible devices, but you may only file one
request for benefits for any Lost phone per 12 months on eligible plans.
Ranked #1 by GadgetReview.com and Top Rated by Investopedia!
FAQ
Ranked #1 by GadgetReview.com and Top Rated by Investopedia!
FAQ
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