Insure the phoneyou live on.
V-DeviceCare covers phones, laptops and tablets in Ghana, fully in the app. Pay with mobile money or card; claims end in a repair or a replacement device.
- MTN MoMo
- Telecel Cash
- AirtelTigo Money
- Card
- Bank transfer
Covered
Galaxy A15 · since 29 Oct
Swap offer ready
Graded Good · holds 14 days
01 / 06
Show us your Ghana Card.
The app checks who you are once, before your first device.
02 / 06
Add the phone you rely on.
Its model, its IMEI and a few photos. That's the paperwork.
03 / 06
Pay the way Ghana pays.
MoMo, card or bank transfer. The price is on screen before you pay.
04 / 06
Covered, the moment it's paid.
Cover starts when payment is confirmed. Claims open after the waiting period.
05 / 06
Something broke? Watch it get fixed.
Our staff check the claim, then a partner centre repairs it or you get a replacement. Never cash.
06 / 06
Trade up when you're ready.
Staff grade your phone on a published scale. You pay only the difference.
What’s covered
Accidents, liquid, theft and breakdown. The app shows the full policy wording before you pay.
Accidental damage
Cracked screens, drops, broken buttons or ports.
Liquid
Water, rain and spills.
Theft and robbery
By force or threat. Report it to the police within 48 hours.
Breakdown
Faults after the warranty ends.
Waiting period
Claims open 14 days after cover starts, today.
Not covered
- Loss or misplacement
- Theft of a device left unattended
- Cosmetic scratches
- Wear and tear
- Accessories
- Software and data loss
- Repairs at unapproved workshops
- Anything inside the waiting period
Claims end in a repair or a new device
Something broke? File it in the app , follow each step , then collect a repair or a new device . Never cash.
- Repair at a partner centre
- Book a slot in the app and collect it from an approved service centre.
- Or a replacement device
- When a repair won’t do, a replacement of the same kind is handed over.
- Nobody approves their own
- Whoever proposes a claim decision never approves it, and every decision is recorded.
- File within 30 days
- Of the incident. For a theft, the police report comes within 48 hours.
Cracked screen
CLM-2026-004817
Galaxy A15 · handled by Esi, Assessor
- Submitted
- Evidence checked
- Assessment
- Manager approvalIn progress now
- Repair or replacement
- Settled
Swap and upgrade
Trade in your device and our staff grade it on this published scale. The app shows your offer; you pay only the difference for a newer device.
Swap offer ready
Holds 14 days
0%
off the trade-in value
No visible marks, fully working, battery health 90 percent or above.
Swap offer ready
Holds 14 days
−15%
off the trade-in value
Light scratches, fully working, battery health 80 percent or above.
Swap offer ready
Holds 14 days
−35%
off the trade-in value
Noticeable wear, small chips or dents, fully working, or battery below 80 percent.
Swap offer ready
Holds 14 days
−60%
off the trade-in value
Cracked screen or back, or a faulty part, but it still powers on.
Cover your people as a group
Employers, telcos, ministries, security services, schools and associations can cover everyone through one scheme, paid by payroll deduction with a statement each month.
Cover for institutionsGroup scheme
Accra Teachers’ Association
312
members covered
- devices
- 401
- joined in October
- 18
- claims in progress
- 4
Questions, answered
The ones we hear most. The Help page answers the rest, from renewal to group schemes.
Still unsure?
Our support team answers Monday to Friday, Ghana time. In the app, Help keeps your case together.
Talk to a personWhat can I insure?
Smartphones, laptops and tablets, new or used, up to 36 months old when you register them (this limit may change). You add the device in the app with its IMEI or serial number and a few photos.
How do I pay?
With MTN MoMo, Telecel Cash, AirtelTigo Money, a card or a bank transfer. Approve a mobile money payment only in your network's own prompt; we never ask for your PIN.
When does my cover start?
The moment your payment is confirmed. Claims open after a waiting period, 14 days today. Our staff also review each new device within 2 business days.
How do I make a claim?
In the app. Choose the device, say what happened and add photos. File within 30 days of the incident. The claim tracker shows each step and who is handling your claim.
Do you pay claims in cash?
No. Every claim is settled by a repair at a partner service centre or by a replacement device, never in cash.
Is a stolen phone covered?
Yes, for theft by force or threat, or from a locked home, office or vehicle with signs of forced entry. Report it to the police within 48 hours. Before a replacement is handed over, the stolen phone's IMEI is blocked and its ownership passes to the insurer.
Built to be checked
The safeguards institutions ask about, in place for every customer.
Underwriter-backed
Every policy names the insurer that stands behind it.
Ghana Card on every account
Each customer's identity is checked before cover.
No self-approval
Nobody approves a settlement they proposed, and every decision is recorded.
A complete record
Every change is written to an audit trail as it happens.
Stolen-device check
Each device is checked against lost and stolen lists.
Rules before you pay
Price, excess, exclusions and claim rules come first.
Get covered in the app
Download V-DeviceCare, confirm who you are with your Ghana Card, and add your first device. Purchase opens at launch.