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Phone Insurance |
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#1 |
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Forum Member
Join Date: Mar 2005
Posts: 2,849
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Phone Insurance
Have decided to buy the iPhone 4s directly from Apple, and have chopped my o2 tariff in half. The only issue is insurance.
I've been insuring my 3Gs for 7.99 a month with carphone warehouse which I'll be cancelling very soon. Has anyone had any (good/bad) experience with third-party phone insurance companies? |
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#2 |
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Forum Member
Join Date: Mar 2007
Location: Preston, Lancashire
Posts: 7,255
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Protect my bubble should be avoided if the thread in this section is anything to go off
Probably the best options are to either add it to your home contents insurance if you have it or look at seeing if your bank offer an account with mobile phone insurance |
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#3 |
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Forum Member
Join Date: Mar 2011
Location: Hertfordshire
Posts: 2,938
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Be wary of policies that come with bank accounts. I've heard a few horror stories from friends regarding such policies. They are often cheap policies that can leave you without a phone for over a week while the claim is processed and they often don't provide Apple approved refurbished phones as replacements meaning it can be pot luck what you get back.
If you're considering such a policy then I'd read the terms and conditions carefully and be sure you understand the level of cover you are getting. |
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#4 |
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Forum Member
Join Date: Mar 2005
Posts: 2,849
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#5 |
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Forum Member
Join Date: Mar 2007
Location: Preston, Lancashire
Posts: 7,255
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Quote:
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#6 |
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Forum Member
Join Date: Mar 2005
Posts: 2,849
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I would probably plump for the full amount up front anyway. I have far too many direct debits as it is!
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#7 |
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Forum Member
Join Date: Sep 2007
Location: Planet Mongo.
Posts: 19,548
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My bank offers mobile insurance so, and as was mentioned earlier, I would check with them or your current home insurer first and see what they offer. Might only be a few pounds extra than what you are already paying.
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#8 |
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Forum Member
Join Date: Apr 2008
Posts: 3,636
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Why not just put the money you'd spend each month on insurance into a separate savings account and then use it to replace/repair the phone in the event that it gets broken or lost?
That way, if you don't have to claim, you've got a bit of money put aside for your next phone. |
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#9 |
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Forum Member
Join Date: May 2009
Location: Edinburgh
Posts: 9,468
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Quote:
Why not just put the money you'd spend each month on insurance into a separate savings account and then use it to replace/repair the phone in the event that it gets broken or lost?
That way, if you don't have to claim, you've got a bit of money put aside for your next phone. |
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#10 |
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Forum Member
Join Date: Mar 2011
Location: Hertfordshire
Posts: 2,938
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It depends whether or not you want the peace of mind.
I've had my 3GS replaced three times on my O2 insurance. Total cost paid for insurance premiums over the last 2 and a half years plus the excesses for the claims is around £400. Actually replacing the phone 3 times would have cost me around £1400. In fact, I actually got a free upgrade from a 3G to a 3GS via insurance as they'd stopped supplying the 16 GB 3G when I made my first claim so they gave me a 3GS instead. Whether or not I'd be more careful with the handset if it wasn't insured is a debatable point of course, but one of the incidents was unavoidable so it wouldn't have made a difference how careful I'd been, and even only counting that one claim I'm still up overall versus the cost of replacing it. |
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#11 |
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Forum Member
Join Date: Mar 2005
Posts: 2,849
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Quote:
Why not just put the money you'd spend each month on insurance into a separate savings account and then use it to replace/repair the phone in the event that it gets broken or lost?
That way, if you don't have to claim, you've got a bit of money put aside for your next phone. Insurance is peace of mind, not an excuse to act irresponsibly. I don't expect to break or lose my phone, but you never know what will happen. I don't make a habit of losing/breaking phones but I'd had my 3GS for two years and had paid about £160 when it developed a charging fault. With insurance it was replaced with a brand new phone in 48 hours. |
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#12 |
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Forum Member
Join Date: Jul 2006
Location: Merseyside
Posts: 1,068
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I started the thread of Protect Your Bubble.com - Think Twice
http://forums.digitalspy.co.uk/showthread.php?t=1472768 Read the posts from other Iphone users you will see non have been succesful when claiming. Myself, * have had 3x£25.00 payments given back to me as compensation. *All phone costs of phone calls to them were refunded. *Postage costs also returned as the replacement Nokia Handset was faulty even though they claimed otherwise and Nokia proved it was faulty |
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