It broke within two years: what does the law give me, and is an extended warranty or phone insurance worth it?

For the first two years you already have the legal guarantee against the seller, at no cost. An extension is worth it only for what it adds beyond that, for example accidental damage or year three onwards. Ask in writing what exactly it covers, who issues it and the exclusions, and compare with the cost of a possible repair.

Two years from delivery, against the seller, at no extra cost (Law 154(I)/2021, for contracts from 1 January 2022, according to a law firm’s summary). Notify the seller within two months of noticing the defect.

Yes, very probably. The one-year commercial warranty does not take away the 2-year legal guarantee against the seller, if the defect is not damage you caused. Ask in writing for a free repair or replacement under Law 154(I)/2021, within two months of noticing it. If they refuse, turn to the Consumer Protection Service.

Usually only if the policy has “accidental damage” cover for portable devices or an “away from home” extension. Basic contents cover often does not include it. Check the terms and the excess, which may be close to the cost of a screen.

It may be real insurance from an insurer or just a service or promise by the provider. The difference matters for where you complain. Ask in writing for the name of the company that issues it and the full terms; the Financial Ombudsman examines complaints against insurers supervised by the Superintendent of Insurance.

Many such policies have a cancellation clause, and some give a period to change your mind with a refund. We found no single rule for all of them. Ask in writing for cancellation and a refund for the period you will not use, and keep proof of the date.

Possibly contents insurance, if it has an extension for portable devices away from home, or a gadget policy. Many policies exclude devices left “unattended” in a public place, and the definition matters. Report the theft to the police, get a reference number and tell the insurer in writing.

Yes. According to a law firm’s summary of Law 154(I)/2021, repair or replacement is free for you and must be done within 25 days at most in Cyprus. If it is not, you are owed a price reduction or termination with a refund.

According to the summary of Law 154(I)/2021, 25 days at most for a repair or replacement in Cyprus. Note the date you handed in the device and ask for a written receipt.

It depends on the policy: many phone policies cover theft and accidental damage, and loss only as extra cover or not at all. Read the definitions of “loss” and “theft” and the conditions, such as reporting to the police quickly.

Not necessarily. A dealer warranty is usually the dealer’s own promise on its own terms, unless it says it is insurance from an insurer. It does not take away the rights the law gives you against the seller. Ask in writing who stands behind it and what it excludes.

First a written complaint to the company that issues the cover, within 6 months of learning of the problem. If it is an insurer supervised by the Superintendent of Insurance, then the Financial Ombudsman (a €20 fee). If it is not insurance but a shop’s promise, the Consumer Protection Service.

Often only up to a per-item limit, and sometimes only inside the home. Expensive bikes or scooters may need to be declared separately. Check the per-item limit and the conditions for theft away from home, such as locking.

Directive (EU) 2019/771 sets a legal guarantee of at least two years across the EU, against the seller. Which law applies to a purchase from another country, and how you enforce it, can depend on the seller. For cross-border purchases within the EU, the European Consumer Centres network helps.

It depends: some extensions cover only breakdowns, like the legal guarantee but for longer, others add accidental damage. Read whether it says “mechanical or electrical breakdown” or “accidental damage”, and the exclusions.

A service contract usually gives visits and repairs on conditions, not insurance for every fault. It is worth it if its cost is reasonable compared with the repairs you would make anyway. Check what it excludes (parts, old appliances) and how it is cancelled.

Usually not automatically: the insurance, if it pays, covers the device on its terms, while the instalment balance is a separate contract. Ask the provider in writing what happens to the instalments after a theft, before you need it.

Usually a police reference number, proof of purchase, the IMEI or serial number, and proof that you blocked the device or the SIM. Some ask for the theft to be reported within a few hours or days. Check the deadline in your policy.

According to the summary of Law 154(I)/2021, repair or replacement must be done within 25 days at most in Cyprus; two months is far longer. Ask the seller in writing to keep to the deadline or give you a price reduction or refund. The responsibility is the seller’s, not the manufacturer’s.

You need proof that you bought from this seller and when. A receipt is safest; a card transaction showing the shop’s name and the date often helps. We found no Cyprus rule listing which proof is accepted, so keep whatever you have.

Usually only if the contents policy has cover for personal items away from home or accidental damage, or if there is a separate policy. Hearing aids and glasses may have a per-item limit. Check the terms and keep the proof of purchase.