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市场调查报告书
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1963855

行动电话保险市场－全球产业规模、份额、趋势、机会和预测：按手机类型、覆盖范围、地区和竞争格局划分，2021-2031年

Mobile-Phone Insurance Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, Segmented By Phone Type, By Coverage, By Region & Competition, 2021-2031F
出版日期: | 出版商: TechSci Research | 英文 185 Pages | 商品交期: 2-3个工作天内

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简介目录

全球行动电话保险市场预计将从 2025 年的 349.8 亿美元大幅成长至 2031 年的 719.8 亿美元，复合年增长率为 12.78%。

该产业提供关键的风险管理解决方案，为行动装置意外损坏、被盗、遗失或机械故障造成的损失提供经济补偿。市场成长的主要驱动因素是高阶智慧型手机零售价格的上涨，这促使消费者购买保险以避免高昂的更换成本，以及现代手机大量采用玻璃材质设计的脆弱性。根据美国通讯工业协会（CTIA）的数据（该数据显示了需要保护的资产规模），到2024年，美国5G设备的数量将达到2.59亿台，这将推动对综合保险计划的需求。

市场概览
预测期 2027-2031
市场规模：2025年 349.8亿美元
市场规模：2031年 719.8亿美元
复合年增长率：2026-2031年 12.78%
成长最快的细分市场 防盗和防损
最大的市场 北美洲

阻碍市场成长的主要障碍之一是诈欺性索赔的高发。这推高了保费，并需要严格的检验流程。为了缓解这个问题，保险公司必须实施严格的诈欺侦测通讯协定，但这往往会导致复杂的理赔程序，令诚实的客户感到沮丧，并可能降低保单续保率。这种操作上的摩擦疏远了那些优先考虑便利性和价格实惠的消费者，最终限制了市场的广泛渗透。因此，保险业面临着如何在实施强有力的安全措施和提供流畅的用户体验之间保持微妙平衡的挑战，以确保可持续成长。

市场驱动因素

意外损坏（尤其是萤幕故障）的高发生率是推动市场成长的主要因素。现代行动电话的实体结构较为脆弱，导致用户需要承担高昂的自费维修费用。随着製造商采用更大尺寸的全面屏和更复杂的内部组件，手机严重损坏的风险也随之增加，消费者因此要求透过完善的保险计划获得经济保障。这一趋势具有显着的经济影响。根据Allstate Protection Plans发布的2024年3月报告，美国人在2023年光是萤幕维修就花了83亿美元，几乎是2018年的三倍。因此，高成本推动了提供低免赔额和无限次萤幕维修等福利的高端保险计划的普及。

同时，设备窃盗和遗失案件的增加，尤其是在大都会圈，凸显了除机械故障保障之外的其他保障需求。随着有组织犯罪集团越来越多地将目标瞄准高价值智慧型手机进行国际转售，一种风险环境正在形成，促使人们透过保险来防止资产完全损失。根据《精算邮报》（Actuarial Post）2025年1月发布的报告（引用伦敦警察厅的统计数据）显示，2024年伦敦被盗行动电话超过7万部，比前一年增长了34%。此外，保障这些资产剩余价值的市场也不断扩大。根据安盛保险（Assurant）的数据，2024年美国以旧换新市场为消费者返还了创纪录的45亿美元，这凸显了透过保险来维护设备所有权和良好状态的经济必要性。

市场挑战

诈欺性索赔的普遍存在一直是限制全球行动电话保险市场扩张的一大障碍。这个问题直接影响产业的成本结构，迫使保险公司提高保费以弥补经济损失，从而降低了消费者的购买力。此外，严格的诈欺侦测通讯协定也造成了营运上的不便。合法客户必须经历冗长的检验过程和繁琐的文书工作，这损害了用户体验并削弱了信任。因此，潜在用户可能会认为这些保障措施繁琐或高成本，从而限制了整体市场渗透率。

这项挑战的财务规模迫使保险公司优先考虑风险规避而非提供无缝服务，加剧了客户维繫和取得的难度。这种动态造成了营运成本持续高涨的恶性循环，阻碍了价格敏感型消费者进入市场。近期行业数据凸显了问题的严重性。根据通讯诈骗预防协会 (CFCA) 预测，到 2025 年，全球通讯产业的诈骗损失将达到约 398.9 亿美元。虽然如此庞大的资金外流需要采取严格的安全措施（这些措施必不可少），但也直接限制了市场提供便利、低成本保险产品的能力。

市场趋势

人们对永续性和循环经济的日益关注正在重塑保险业，吸引着既注重成本又具有环保意识的消费者。保险公司正在调整产品系列，并扩大二手设备的独立保障计画。由于覆盖范围有限和评估困难，这一领域历来服务不足。这种策略转变使保险公司能够延长设备的生命週期，并透过提供以维修为重点的保险产品而非优先考虑更换，进入不断增长的次市场。这一趋势的经济潜力巨大。 GSMA在2025年3月发布的一份报告预测，到2027年，全球翻新行动电话和维修服务市场规模将超过1500亿美元，成为适应性强的保险公司重要的全新收入来源。

同时，市场正从硬体保险扩展到网路安全和数位钱包保护领域，以满足保护数位身分和金融资产的需求。随着智慧型手机成为银行和支付的主要介面，风险状况也在不断演变，涵盖了身分盗窃和诈欺性转帐等复杂的软体威胁。为此，保险公司正在将软体安全功能和财务赔偿条款纳入其保费计划，以降低这些非物理风险。这种演变是由日益增长的威胁所驱动的。根据 Zimperium 于 2024 年 9 月发布的《2024 年全球行动威胁报告》，82% 的网路钓鱼网站专门针对行动设备，这凸显了在现代保险合约中整合数位安全解决方案的迫切需求。

目录

第一章概述

第二章：调查方法

第三章执行摘要

第四章：客户心声

第五章：全球行动电话保险市场展望

  • 市场规模及预测
    • 按金额
  • 市占率及预测
    • 行动电话类型（低价手机、中高价手机、高阶智慧型手机）
    • 承保范围（物理损坏、内部组件故障、盗窃/遗失赔偿、病毒/资料保护、其他）
    • 按地区
    • 按公司（2025 年）
  • 市场地图

第六章：北美行动电话保险市场展望

  • 市场规模及预测
  • 市占率及预测
  • 北美洲：国别分析
    • 我们
    • 加拿大
    • 墨西哥

第七章：欧洲行动电话保险市场展望

  • 市场规模及预测
  • 市占率及预测
  • 欧洲：国别分析
    • 德国
    • 法国
    • 英国
    • 义大利
    • 西班牙

第八章：亚太地区行动电话保险市场展望

  • 市场规模及预测
  • 市占率及预测
  • 亚太地区：国别分析
    • 中国
    • 印度
    • 日本
    • 韩国
    • 澳洲

第九章：中东和非洲行动电话保险市场展望

  • 市场规模及预测
  • 市占率及预测
  • 中东与非洲：国别分析
    • 沙乌地阿拉伯
    • 阿拉伯聯合大公国
    • 南非

第十章：南美洲行动电话保险市场展望

  • 市场规模及预测
  • 市占率及预测
  • 南美洲：国别分析
    • 巴西
    • 哥伦比亚
    • 阿根廷

第十一章 市场动态

  • 促进因素
  • 任务

第十二章 市场趋势与发展

  • 併购
  • 产品发布
  • 近期趋势

第十三章：全球行动电话保险市场：SWOT分析

第十四章：波特五力分析

  • 产业竞争
  • 新进入者的潜力
  • 供应商的议价能力
  • 顾客权力
  • 替代品的威胁

第十五章 竞争格局

  • Apple Inc.
  • Verizon Communications Inc.
  • Samsung Electronics Co., Ltd.
  • Assurant, Inc.
  • SquareTrade, Inc.
  • Allianz SE
  • Asurion, LLC
  • American International Group, Inc.
  • T-Mobile US, Inc.
  • CPP Assistance Services Pvt Limited

第十六章 策略建议

第十七章：关于研究公司及免责声明

简介目录
Product Code: 27067

The Global Mobile-Phone Insurance Market is projected to expand significantly, growing from USD 34.98 Billion in 2025 to USD 71.98 Billion by 2031, reflecting a Compound Annual Growth Rate (CAGR) of 12.78%. This sector provides essential risk management solutions designed to offer financial reimbursement for costs arising from accidental damage, theft, loss, or mechanical failure of mobile devices. The market's growth is largely fueled by the rising retail prices of premium smartphones, which incentivize consumers to purchase coverage to avoid the heavy financial burden of replacement, alongside the fragility of modern glass-heavy device designs. Highlighting the scale of assets requiring protection, CTIA data reveals that the number of 5G devices in the United States hit 259 million in 2024, driving the demand for comprehensive insurance plans.

Market Overview
Forecast Period2027-2031
Market Size 2025USD 34.98 Billion
Market Size 2031USD 71.98 Billion
CAGR 2026-203112.78%
Fastest Growing SegmentTheft & Loss Protection
Largest MarketNorth America

One major obstacle hampering market growth is the high frequency of fraudulent claims, which inflates premium costs and necessitates strict verification processes. To mitigate this, insurers must enforce rigorous fraud detection protocols that often result in complicated claims procedures, potentially frustrating honest customers and lowering policy renewal rates. This operational friction discourages consumers who value convenience and affordability, thereby restricting broader market penetration. Consequently, the industry faces the challenge of maintaining a delicate balance between enforcing robust security measures and providing a seamless user experience to ensure sustained expansion.

Market Driver

The high incidence of accidental damage, particularly screen failures, acts as a primary catalyst for market growth, as the physical fragility of modern handsets exposes users to substantial out-of-pocket repair costs. As manufacturers increasingly adopt larger, edge-to-edge glass displays and complex internal components, the risk of critical damage has risen, prompting consumers to seek financial protection through robust insurance plans. This trend has significant economic implications; a March 2024 report by Allstate Protection Plans noted that Americans spent $8.3 billion on screen repairs alone in 2023, a figure nearly triple that of 2018. As a result, the high cost of component replacement is driving the adoption of premium insurance tiers that offer benefits like low-deductible or unlimited screen repairs.

Concurrently, the escalating rates of device theft and loss, especially in major urban centers, have reinforced the need for coverage that extends beyond mechanical issues. Organized crime groups are increasingly targeting high-value mobile phones for international resale, creating a risk environment that incentivizes policy enrollment to prevent total asset loss. Data from the Actuarial Post in January 2025, citing Metropolitan Police figures, indicated that over 70,000 phones were stolen in London in 2024, a 34% increase from the previous year. Furthermore, the market is expanding to protect the residual value of these assets; according to Assurant, the U.S. trade-in market returned a record $4.5 billion to consumers in 2024, underscoring the economic necessity of maintaining device possession and condition through insurance.

Market Challenge

The widespread prevalence of fraudulent claims serves as a persistent barrier to the expansion of the Global Mobile-Phone Insurance Market. This issue directly affects the industry's cost structure, forcing insurers to offset financial losses by charging higher premiums, which reduces the affordability of plans for the average consumer. Additionally, the need for strict fraud detection protocols introduces operational friction, as legitimate customers often endure lengthy verification processes and complex documentation requirements, diminishing the user experience and eroding trust. As a result, potential subscribers may perceive these protections as too cumbersome or expensive, limiting overall market penetration.

The financial scale of this challenge compels insurers to prioritize risk mitigation over seamless service delivery, complicating efforts to retain and acquire customers. This dynamic creates a cycle where operational costs remain high, deterring price-sensitive consumers from entering the market. The severity of the issue is highlighted by recent industry data; according to the Communications Fraud Control Association (CFCA), global fraud losses in the telecommunications sector reached approximately $39.89 billion in 2025. This massive financial leakage necessitates rigorous security measures which, while essential, act as a direct constraint on the market's ability to offer frictionless and low-cost coverage options.

Market Trends

The industry is being reshaped by a growing focus on sustainability and the circular economy, appealing to cost-conscious and environmentally aware consumers. Insurers are adjusting their product portfolios to include standalone protection for pre-owned devices, a segment that was previously underserved due to warranty limitations and valuation difficulties. This strategic shift enables providers to tap into the expanding secondary market by offering repair-focused policies that extend the lifecycle of handsets rather than prioritizing replacement. The economic potential of this trend is significant; a March 2025 GSMA report projects that the global market for refurbished phones and repair services will exceed $150 billion by 2027, creating a major new revenue stream for adaptable insurance providers.

Simultaneously, the market is pivoting from solely insuring hardware to encompassing cybersecurity and digital wallet protection, addressing the need to safeguard digital identities and financial assets. As smartphones become the primary interface for banking and payments, the risk profile has evolved to include sophisticated software threats such as identity theft and unauthorized fund transfers. In response, insurers are bundling software security features and financial reimbursement clauses into premium tiers to mitigate these non-physical risks. This evolution is driven by escalating threats; the '2024 Global Mobile Threat Report' by Zimperium in September 2024 revealed that 82% of phishing sites specifically targeted mobile devices, underscoring the critical need for integrated digital security solutions within modern insurance policies.

Key Market Players

  • Apple Inc.
  • Verizon Communications Inc.
  • Samsung Electronics Co., Ltd.
  • Assurant, Inc.
  • SquareTrade, Inc.
  • Allianz SE
  • Asurion, LLC
  • American International Group, Inc.
  • T-Mobile US, Inc.
  • CPP Assistance Services Pvt Limited

Report Scope

In this report, the Global Mobile-Phone Insurance Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Mobile-Phone Insurance Market, By Phone Type

  • Budget Phones
  • Mid & High-end Phones
  • Premium Smartphones

Mobile-Phone Insurance Market, By Coverage

  • Physical Damage
  • Internal Component Failure
  • Theft & Loss Protection
  • Virus & Data Protection
  • Others

Mobile-Phone Insurance Market, By Region

  • North America
    • United States
    • Canada
    • Mexico
  • Europe
    • France
    • United Kingdom
    • Italy
    • Germany
    • Spain
  • Asia Pacific
    • China
    • India
    • Japan
    • Australia
    • South Korea
  • South America
    • Brazil
    • Argentina
    • Colombia
  • Middle East & Africa
    • South Africa
    • Saudi Arabia
    • UAE

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global Mobile-Phone Insurance Market.

Available Customizations:

Global Mobile-Phone Insurance Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

  • Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Product Overview

  • 1.1. Market Definition
  • 1.2. Scope of the Market
    • 1.2.1. Markets Covered
    • 1.2.2. Years Considered for Study
    • 1.2.3. Key Market Segmentations

2. Research Methodology

  • 2.1. Objective of the Study
  • 2.2. Baseline Methodology
  • 2.3. Key Industry Partners
  • 2.4. Major Association and Secondary Sources
  • 2.5. Forecasting Methodology
  • 2.6. Data Triangulation & Validation
  • 2.7. Assumptions and Limitations

3. Executive Summary

  • 3.1. Overview of the Market
  • 3.2. Overview of Key Market Segmentations
  • 3.3. Overview of Key Market Players
  • 3.4. Overview of Key Regions/Countries
  • 3.5. Overview of Market Drivers, Challenges, Trends

4. Voice of Customer

5. Global Mobile-Phone Insurance Market Outlook

  • 5.1. Market Size & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share & Forecast
    • 5.2.1. By Phone Type (Budget Phones, Mid & High-end Phones, Premium Smartphones)
    • 5.2.2. By Coverage (Physical Damage, Internal Component Failure, Theft & Loss Protection, Virus & Data Protection, Others)
    • 5.2.3. By Region
    • 5.2.4. By Company (2025)
  • 5.3. Market Map

6. North America Mobile-Phone Insurance Market Outlook

  • 6.1. Market Size & Forecast
    • 6.1.1. By Value
  • 6.2. Market Share & Forecast
    • 6.2.1. By Phone Type
    • 6.2.2. By Coverage
    • 6.2.3. By Country
  • 6.3. North America: Country Analysis
    • 6.3.1. United States Mobile-Phone Insurance Market Outlook
      • 6.3.1.1. Market Size & Forecast
        • 6.3.1.1.1. By Value
      • 6.3.1.2. Market Share & Forecast
        • 6.3.1.2.1. By Phone Type
        • 6.3.1.2.2. By Coverage
    • 6.3.2. Canada Mobile-Phone Insurance Market Outlook
      • 6.3.2.1. Market Size & Forecast
        • 6.3.2.1.1. By Value
      • 6.3.2.2. Market Share & Forecast
        • 6.3.2.2.1. By Phone Type
        • 6.3.2.2.2. By Coverage
    • 6.3.3. Mexico Mobile-Phone Insurance Market Outlook
      • 6.3.3.1. Market Size & Forecast
        • 6.3.3.1.1. By Value
      • 6.3.3.2. Market Share & Forecast
        • 6.3.3.2.1. By Phone Type
        • 6.3.3.2.2. By Coverage

7. Europe Mobile-Phone Insurance Market Outlook

  • 7.1. Market Size & Forecast
    • 7.1.1. By Value
  • 7.2. Market Share & Forecast
    • 7.2.1. By Phone Type
    • 7.2.2. By Coverage
    • 7.2.3. By Country
  • 7.3. Europe: Country Analysis
    • 7.3.1. Germany Mobile-Phone Insurance Market Outlook
      • 7.3.1.1. Market Size & Forecast
        • 7.3.1.1.1. By Value
      • 7.3.1.2. Market Share & Forecast
        • 7.3.1.2.1. By Phone Type
        • 7.3.1.2.2. By Coverage
    • 7.3.2. France Mobile-Phone Insurance Market Outlook
      • 7.3.2.1. Market Size & Forecast
        • 7.3.2.1.1. By Value
      • 7.3.2.2. Market Share & Forecast
        • 7.3.2.2.1. By Phone Type
        • 7.3.2.2.2. By Coverage
    • 7.3.3. United Kingdom Mobile-Phone Insurance Market Outlook
      • 7.3.3.1. Market Size & Forecast
        • 7.3.3.1.1. By Value
      • 7.3.3.2. Market Share & Forecast
        • 7.3.3.2.1. By Phone Type
        • 7.3.3.2.2. By Coverage
    • 7.3.4. Italy Mobile-Phone Insurance Market Outlook
      • 7.3.4.1. Market Size & Forecast
        • 7.3.4.1.1. By Value
      • 7.3.4.2. Market Share & Forecast
        • 7.3.4.2.1. By Phone Type
        • 7.3.4.2.2. By Coverage
    • 7.3.5. Spain Mobile-Phone Insurance Market Outlook
      • 7.3.5.1. Market Size & Forecast
        • 7.3.5.1.1. By Value
      • 7.3.5.2. Market Share & Forecast
        • 7.3.5.2.1. By Phone Type
        • 7.3.5.2.2. By Coverage

8. Asia Pacific Mobile-Phone Insurance Market Outlook

  • 8.1. Market Size & Forecast
    • 8.1.1. By Value
  • 8.2. Market Share & Forecast
    • 8.2.1. By Phone Type
    • 8.2.2. By Coverage
    • 8.2.3. By Country
  • 8.3. Asia Pacific: Country Analysis
    • 8.3.1. China Mobile-Phone Insurance Market Outlook
      • 8.3.1.1. Market Size & Forecast
        • 8.3.1.1.1. By Value
      • 8.3.1.2. Market Share & Forecast
        • 8.3.1.2.1. By Phone Type
        • 8.3.1.2.2. By Coverage
    • 8.3.2. India Mobile-Phone Insurance Market Outlook
      • 8.3.2.1. Market Size & Forecast
        • 8.3.2.1.1. By Value
      • 8.3.2.2. Market Share & Forecast
        • 8.3.2.2.1. By Phone Type
        • 8.3.2.2.2. By Coverage
    • 8.3.3. Japan Mobile-Phone Insurance Market Outlook
      • 8.3.3.1. Market Size & Forecast
        • 8.3.3.1.1. By Value
      • 8.3.3.2. Market Share & Forecast
        • 8.3.3.2.1. By Phone Type
        • 8.3.3.2.2. By Coverage
    • 8.3.4. South Korea Mobile-Phone Insurance Market Outlook
      • 8.3.4.1. Market Size & Forecast
        • 8.3.4.1.1. By Value
      • 8.3.4.2. Market Share & Forecast
        • 8.3.4.2.1. By Phone Type
        • 8.3.4.2.2. By Coverage
    • 8.3.5. Australia Mobile-Phone Insurance Market Outlook
      • 8.3.5.1. Market Size & Forecast
        • 8.3.5.1.1. By Value
      • 8.3.5.2. Market Share & Forecast
        • 8.3.5.2.1. By Phone Type
        • 8.3.5.2.2. By Coverage

9. Middle East & Africa Mobile-Phone Insurance Market Outlook

  • 9.1. Market Size & Forecast
    • 9.1.1. By Value
  • 9.2. Market Share & Forecast
    • 9.2.1. By Phone Type
    • 9.2.2. By Coverage
    • 9.2.3. By Country
  • 9.3. Middle East & Africa: Country Analysis
    • 9.3.1. Saudi Arabia Mobile-Phone Insurance Market Outlook
      • 9.3.1.1. Market Size & Forecast
        • 9.3.1.1.1. By Value
      • 9.3.1.2. Market Share & Forecast
        • 9.3.1.2.1. By Phone Type
        • 9.3.1.2.2. By Coverage
    • 9.3.2. UAE Mobile-Phone Insurance Market Outlook
      • 9.3.2.1. Market Size & Forecast
        • 9.3.2.1.1. By Value
      • 9.3.2.2. Market Share & Forecast
        • 9.3.2.2.1. By Phone Type
        • 9.3.2.2.2. By Coverage
    • 9.3.3. South Africa Mobile-Phone Insurance Market Outlook
      • 9.3.3.1. Market Size & Forecast
        • 9.3.3.1.1. By Value
      • 9.3.3.2. Market Share & Forecast
        • 9.3.3.2.1. By Phone Type
        • 9.3.3.2.2. By Coverage

10. South America Mobile-Phone Insurance Market Outlook

  • 10.1. Market Size & Forecast
    • 10.1.1. By Value
  • 10.2. Market Share & Forecast
    • 10.2.1. By Phone Type
    • 10.2.2. By Coverage
    • 10.2.3. By Country
  • 10.3. South America: Country Analysis
    • 10.3.1. Brazil Mobile-Phone Insurance Market Outlook
      • 10.3.1.1. Market Size & Forecast
        • 10.3.1.1.1. By Value
      • 10.3.1.2. Market Share & Forecast
        • 10.3.1.2.1. By Phone Type
        • 10.3.1.2.2. By Coverage
    • 10.3.2. Colombia Mobile-Phone Insurance Market Outlook
      • 10.3.2.1. Market Size & Forecast
        • 10.3.2.1.1. By Value
      • 10.3.2.2. Market Share & Forecast
        • 10.3.2.2.1. By Phone Type
        • 10.3.2.2.2. By Coverage
    • 10.3.3. Argentina Mobile-Phone Insurance Market Outlook
      • 10.3.3.1. Market Size & Forecast
        • 10.3.3.1.1. By Value
      • 10.3.3.2. Market Share & Forecast
        • 10.3.3.2.1. By Phone Type
        • 10.3.3.2.2. By Coverage

11. Market Dynamics

  • 11.1. Drivers
  • 11.2. Challenges

12. Market Trends & Developments

  • 12.1. Merger & Acquisition (If Any)
  • 12.2. Product Launches (If Any)
  • 12.3. Recent Developments

13. Global Mobile-Phone Insurance Market: SWOT Analysis

14. Porter's Five Forces Analysis

  • 14.1. Competition in the Industry
  • 14.2. Potential of New Entrants
  • 14.3. Power of Suppliers
  • 14.4. Power of Customers
  • 14.5. Threat of Substitute Products

15. Competitive Landscape

  • 15.1. Apple Inc.
    • 15.1.1. Business Overview
    • 15.1.2. Products & Services
    • 15.1.3. Recent Developments
    • 15.1.4. Key Personnel
    • 15.1.5. SWOT Analysis
  • 15.2. Verizon Communications Inc.
  • 15.3. Samsung Electronics Co., Ltd.
  • 15.4. Assurant, Inc.
  • 15.5. SquareTrade, Inc.
  • 15.6. Allianz SE
  • 15.7. Asurion, LLC
  • 15.8. American International Group, Inc.
  • 15.9. T-Mobile US, Inc.
  • 15.10. CPP Assistance Services Pvt Limited

16. Strategic Recommendations

17. About Us & Disclaimer