• 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)

The deductibles for phones on our phone-only protection plans or our “Everything Protected” AKKO Plan range 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 as much as 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 protect one (1) phone + 25 other items, all other items besides your phone are subject to a $99 deductible ($49 for students) for any incident of accidental damage or theft.

This amount that is "deducted" from any reimbursement payout you receive exists so that you're still motivated to be careful with your stuff.

But with all of AKKO's protection plans, we've made sure to offer easily affordable deductibles for incidents of accidental damages, breakdowns, and theft, rather than the $150 - $500 deductibles you'll encounter with many other protection plans for phones, laptops, and other electronics and personal items.

Note: Deductibles for lost phones on annually paid plans are equal to the deductible for theft on the same phone model, but there is a limit of only 1 Lost phone claim covered per 12 months. Lost phone protection is not included on phone-only plans or AKKO Plans that are paid monthly.

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).

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 be able to share your location timeline and/or the location timeline of the device.

If you have an Android device:

Make sure Find My Device is 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. 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 only need to show AKKO your location history if your phone or another item is stolen. Your location data will not be used for any purpose other than to verify your claim.

The protection you get with an AKKO Plan will cover theft of any item, but it will only cover "mysterious disappearance" of phones for customers who have signed up for an annual payment plan. Deductibles for lost phones on annually paid plans are equal to the deductible for theft on the same phone model, but there is a limit of only 1 Lost phone claim covered per 12 months. Lost phone protection is not included on phone-only plans or AKKO Plans that are paid monthly.

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)

AKKO's mission is to make claims fast and easy for you!

The Claims Process:

1. Login to your AKKO account from your phone or computer and file your claim. 2. A team member will reach out to you within one day to collect any necessary further information or to direct you to a nearby repair provider. 3. Repairs: If your item(s) can be repaired, AKKO will either pay the repair shop directly or send you the money for repairs. If funds are paid to you directly, you can choose to receive them via PayPal, Zelle, 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 24 hours!) 4. Replacements: If your item is in need of total replacement (i.e., it's unrepairable or stolen), AKKO will send you a payout equal to the replacement value; we can also have a replacement item sent straight to you, if preferred.

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 generally take longer to resolve than damage claims. Police reports and proof of purchase are required to be submitted to our team, and the time to receive the police report may vary depending on where the incident occurred.
• 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 away your Apple devices for repair. Our goal is to get your items fixed or replaced ASAP.

For accidental damage claims, we do not require the original purchase receipts for the items you want to protect on your plan. While the receipt would be preferred, you can establish proof of ownership through other means.

For items purchased used or through a third-party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, you may request an email be sent to you by the seller stating what you bought, when you bought it, and how much you paid for it. If an item was gifted to you, you may need to ask the gift giver for a statement that says as much.

For theft claims, proof of purchase will need to be provided. If you don't have the original receipt of your purchase, you can try to contact the original seller or retailer, as they typically have records 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.

You can also provide our team a record of your credit card or bank statement showing the date and amount paid for an item. Finally, if you purchased an item through a marketplace or from a private seller, you can provide a record of, for instance, a PayPal or Venmo transaction.

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.

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 phones.

Be sure to follow all instructions within your account for adding photos and information for your items.

Photos of phones and tablets 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. A photo of the phone'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 phone 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.

Photos of TVs should also be taken where the screen is powered on and displaying video/image. Also include photo of the serial #. For gaming consoles, be sure to include photos that show the device powered on with image/video visible on a display. Do not just include photos of the gaming console itself if it has no screen.

Yes!

Your items are eligible for coverage through AKKO regardless of their age, where they were purchased, or whether they were purchased new or used.

See the list of eligible items here.

For items purchased used or through a third-party marketplace platform such as Craigslist, eBay, Facebook Marketplace, or OfferUp, you will need to contact the seller and request an emailed statement that identifies the item, the date it was purchased, and the amount paid. This can suffice as a purchase receipt if you need to provide one during a claim. This also applies to items that you paid for in cash. If you paid for the item via Venmo, PayPal or another payment app, you can take a screenshot of the payment.

Read more here about how purchase receipts are not required for coverage.

Yes!

You may cover any phone that is yours and in your possession. It does not need to have been paid for in full.

Many of our customers buy phones on installment plans through their cellular carriers or other retailers.

When you register for AKKO, you'll go through essentially the normal process to add a financed phone to your account. The only difference is that instead of uploading a receipt, you'll just need to 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 device replacement, the balance you owe for the device will have to be paid off fully before you can receive your remaining claim reimbursement.

With an AKKO Plan, you may cover any phone which is yours and in your possession. It does not matter what carrier you use or if your phone is unlocked or financed. Our AKKO Plan is only $15 per month and protects your unlocked phone against Accidental Damage & Theft along with nearly all your other personal electronics and gear at no extra cost!

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.

We require that your phone be in undamaged and in full working condition at the time you sign up for one of
our plans. However, we understand that life happens and things don't always work out that way.

That's why we're offering $20 toward your repair when you sign up for AKKO with a phone that's already
broken - and once your phone is fixed, we'll cover it moving forward.

Once you sign up (using the promo code BREAK1), we'll help you find a local repair shop that'll get your phone
shipshape. Once you're all fixed up, just show us your receipt and we'll PayPal you $20! It's that easy.

In a word, yes! AKKO is a legitimate and insured U.S. corporation with backing from an "A" Rated insurer, and we're rated "Excellent" on TrustPilot.

AKKO was founded in 2019, initially covering college students only with our unique protection plan that protects all of your eligible personal items for one simple, affordable monthly fee.

After working with a few large college organizations, we began the process of getting the same amazing protection plan approved to sell to anyone.

At the start of 2020, we soft-launched our “Everything Protected” AKKO Plan! Now we're trying to spread the word so people can start protecting the stuff they care about and rely upon in an affordable and easy way. Think of us as the Spotify of protection plans - just as Spotify bundled together all the songs people wanted to hear in one convenient package, we're bundling together protection for all your most valuable personal possessions - starting with your phone, but including up to 25 other items, including laptops, TVs, audio equipment, sports gear, and much more.

(We also added simple, affordable phone-only protection plans in November 2020.)

With AKKO, you'll have:

• No hidden fees
• No long lists of protection exclusions
• No restrictions on how old your stuff is
• No restrictions on protecting preowned items
• No long phone waits when you file a claim or need assistance
• And no need to wait weeks or months to actually get reimbursed!
• We're excited for you to discover AKKO: the last protection plan you'll ever need.

Any questions? Check out our FAQ or contact us!