[gadget_uk]

Hi everyone,

I am just wondering when I get a new phone (sim-free) - What would be a good phone insurance provider to go with?

Are there any good/reliable insures that are also not overly expensive?

Thanks in advance.

[johnathome]

Quote:

Originally Posted by gadget_uk

Hi everyone,

I am just wondering when I get a new phone (sim-free) - What would be a good phone insurance provider to go with?

Are there any good/reliable insures that are also not overly expensive?

Thanks in advance.

Not sure how old you are but normally phones can be covered on your house contents insurance if you have it. Premium bank accounts cover them as well. As your asking i'm assuming you don't have either?

I've heard bad things about protectyourbubble.com. I can't give any other advice as i've never insured my phone separately before.

[Aye Up]

Quote:

Originally Posted by johnathome

I've heard bad things about protectyourbubble.com. I can't give any other advice as i've never insured my phone separately before.

I have to agree wholeheartedly with that statement, just because the guy from the gadget show is in the adverts, it doesn't mean anything.

Following on from what the previous post has said, check with your bank, all of the banks use the same company for the insurance anyway (CCP), I wouldn't bother about putting it on your home insurance as the cost of the claim would probably not make it worthwhile given the detriment it may have on your house cover. When you claim on mobile phone insurance it doesn't affect your cover going forward, versus using that of the household insurance and it would potentially wipe out all of your no claims and end up with a cost that is 5 times as much.

There are two ways to approach this, if you want convenience then pay for the network cover (gets you a phone out within 48hr of an approved claim). Check with your bank, most of them have an account that offers cover for about £5 quid a month (which is more or less the same as protect your bubble).

[Chris1973]

Quote:

As your asking i'm assuming you don't have either?

On some home contents insurance policies you can add portable items to the policy which don't actually belong to you (policyholder), i.e Parents can add their kids' bikes, phones, school laptops etc, usually there is a per item maximum value applied, usually £1000 and the person owning it has to reside in the household. So even if they don't have an actual insurance policy held in their own name, if they live in the same household with parents who do have a contents policy, then they should be able to add it under "portable items taken out of the household" or similar.

It's wise to read the policy document small print very carefully as all policies and conditions are different, but i've got a tablet, laptop and phone all added as individual items on mine, and it only added about £16 to the annual premium.

Losing the phone or having it stolen aside, sometimes the best 'insurance', is just investing in a decent case for it.

[Aye Up]

Quote:

Originally Posted by Chris1973

On some home contents insurance policies you can add portable items to the policy which don't actually belong to you (policyholder), i.e Parents can add their kids' bikes, phones, school laptops etc, usually there is a per item maximum value applied, usually £1000 and the person owning it has to reside in the household. So even if they don't have an actual insurance policy held in their own name, if they live in the same household with parents who do have a contents policy, then they should be able to add it under "portable items taken out of the household" or similar.

It's wise to read the policy document small print very carefully as all policies and conditions are different, but i've got a tablet, laptop and phone all added as individual items on mine, and it only added about £16 to the annual premium.

Most insurance policies have that "personal possessions" cover, its just not worth while even claiming given the average excess is around £150 for most people. To some extent you are correct about away from home cover, most insurers off this and any losses experienced would be the same if it were at home.

But again don't insure your phone with the standard home policy, any claim will have detrimental affect to the person holding the policy.

It is better that the OP speaks to there bank or mobile network to find out the costs.

For instance Barclays does a tech pack which covers the phone, gadget like an iPad or Laptop for roughly a fiver a month. I believe even Lloyds offers a free premium account with similar propositions.

[Graeme89]

Stay clear of Protect your bubble, I signed up but called there customer service but could never get a hold of them to cancel so just cancelled direct debit so would seem there cs is non existant