pimmo2000

iTrader: (6)

Does anyone bother with phone insurance ?

O2 want £10 a month .. which I think is a bit steep ..

I got the iPhone so its not cheap to replace ..

Any suggestions ?

Snazy

I pay a fiver a month on the main ones, and have the other one covered with my bank account.

Well worth it IMO, always nice to have a phone the next day.

RJM25R

iTrader: (1)

Put the tenner a month into a little piggy bank and put it towards a new phone if you lose/break it.

How much is the excess for a claim? £25 I think????

Look at your household insurance. May cover you.

pimmo2000

iTrader: (6)

oo never thought of that..

Snazy

lol and see if you can resist spending it, or trust yourself to save it.
How much is an offline replacement ? 3-400? its gonna take you 3 years to cover the cost..... so you have to go 3 years without losing/damaging it.... By which time you will have upgraded 2-3 times lol

Boro

iTrader: (1)

Depends on the quality of the insurance too. Some policies are so hard to claim on that theyre not worth anything anyway.

Mobile phone crime is up, almost certainly because saying it was stolen is alot easier than trying to think up another valid reason you have to claim.

pimmo2000

iTrader: (6)

I was talking about the house hold insurance

Snazy

lol you love that smilie dont ya

My reply was to the whole thing, inc the original reply suggesting the £10 a month.
There is no way I would claim on household insurance for a phone!
Orange's insurance is spot on, never had an issue with it, and 24 hour replacement inc SIM card, which most other insurances wont cover. So that in itself is £10-15 with most providers

Aaron1978

iTrader: (12)

i agree with orange insurance, claimed twice in the last 3 years. Once it was a known fault with the phone they wavered the excess( i think it was £15) next day delivery to anywhere that i wanted it sent to. The last time i was moving house and i knelt down and cracked the screen on my phone, i was only a month from an upgrade so thought they might try and drag their heels in but i got another phone the next day no problems.

Defo worth £6.99 for a £250+ phone.

Aaron

Snazy

lol you say about a month from an upgrade.. I claimed 6 days before upgrading last year.
Both phones ruined up Snowdon in a rain storm. 2 new phones delivered the next morning. Thats what insurance is all about.

Never had a problem with their insurance, and had some wierd and wonderful claims.

fitzscoob

I had phone insurance before - lost my mobile and they wouldnt pay out because I couldnt tell them where I lost my phone....I did point out that if I knew where I lost it then it wouldnt be lost, however it wasnt happening.

I had to buy myself out of the contract, 5 months worth.

Since then I have never had insurance. If I lose my iphone I'll buy another, or use my old phone until im out of contract and get a free upgrade.

Snazy

Random, lost is just that, they should cover it. Who was that with ?

mad555

iTrader: (1)

Mate I got the iPhone from O2 and I only pay £6.95/month for their premium insurance.

fitzscoob

it was a few years ago now snazy, had about 5 years worth of phones since.

maybe the service has changed since?

O2 I think

pimmo2000

iTrader: (6)

Snazy

lol nutta

mart360

I had insurance on the N95

Absobludy usless

when voda couldnt fix it, they told me to claim on my insurance....


yeah right !!!


the insurance is only for lost or stolen or broken / unusable.


part of the phone not working..... not covered.


i canceled the insurance after that


Mart

Snazy

Sod that !
Speaker crackle is a valid reason for a replacement on Orange, phone freezing, rebooting etc.

Sounds like nancies insurance to me.

Ant

I've got my iPhone covered through my lloyds Tsb , it comes with the bank account I have.

I did have orange and my k810 buttons stopped working replaced it next day and no excess to pay

Tiggs

IPhone 3G 16gb is hundreads to replace...i pay £7 a month - bargain.

Devildog

Covered via Bank account, as is Mrs DD's phone, and other items. Makes the service charge cheap at the price