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Phone + home insurance |
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#1 |
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Forum Member
Join Date: Oct 2007
Posts: 400
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Phone + home insurance
Our insurance have said my phone will be covered outside of our house, but do I need to register my IMEI number with them?
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#2 |
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Forum Member
Join Date: Jul 2007
Location: on her ivory tower
Posts: 2,065
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I would hazard a guess at yes.
Also a proof of purchase may be required. |
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#3 |
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Forum Member
Join Date: Dec 2002
Location: UK
Posts: 11,539
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I would suggest the answer to your question lies with your insurance company. Call them and ask them.
My contents are insured with my insurer, however I've not had to give them serials for my PS3, TV, Wii, laptops, phone or anything else unless it's over a set value. I'd guess the answer's no, however that's based on my own experience and I'd suggest the best way to be on the safe side is to call your insurer and confirm either way. I must say how chuffed I am to meet a fellow 'mobile insured through the house insurance' person, instead of the usual people who pay rip off prices for specialised mobile insurance when they've already got cover most of the time and just don't realise it! |
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#4 |
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Forum Member
Join Date: Sep 2003
Location: London
Posts: 3,638
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The only downside (and I'm another mobile insured via home insurance) is you do have an excess to pay, perhaps £100. Still, as mine's a 16GB iPhone 3G, the equivalent replacement now is a 16GB 3GS at over £400, it's still worth it.
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#5 |
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Forum Member
Join Date: Sep 2003
Location: London
Posts: 3,638
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I've got a database with all my items listed with serial numbers, and replacement values, and a copy of the database is stored off-site, in case my PC is stolen.
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#6 |
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Forum Member
Join Date: Dec 2002
Location: UK
Posts: 11,539
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I'm lucky in that I don't have an excess with my home insurance, so it's always worth reading the small print.
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#7 |
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Forum Member
Join Date: Oct 2007
Posts: 400
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Quote:
The only downside (and I'm another mobile insured via home insurance) is you do have an excess to pay, perhaps £100. Still, as mine's a 16GB iPhone 3G, the equivalent replacement now is a 16GB 3GS at over £400, it's still worth it.
Anyway, I'll ask the insurance tomorrow about the IMEI thing. Thanks for the answers everyone
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#8 |
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Forum Member
Join Date: Jul 2006
Location: Scotland
Posts: 15,714
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Never heard of having to register the IMEI before, I have made various claims over the years and only ever had to provide proof of purchase. If in any doubt just give your insurance company a call and i'm sure they will be happy to help. Excess tends to be either £50 or £100 depending on who you are with, you tend to find the less you pay the higher the excess.
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#9 |
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Forum Member
Join Date: Oct 2007
Posts: 400
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If you get a free phone on contract, will that still be valid as proof of purchase? They go by the current value of the phone new right, not what you paid for it?
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#10 |
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Forum Member
Join Date: Sep 2003
Location: London
Posts: 3,638
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Depends on your policy, a "new-for-old" policy will give you items either the same or equivalent specification.
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