phone insurance

[surfdude]

been paying it for nearly 2 years on my sons phone . go to make a claim today as he lost his phone and they deny the claim saying he should have reported within 72 hours . we have been looking for it on and off longer than that as it not the top of my list of thing to do . bloody waste of money .

 

[ianrauk]

I think it's a fair point they are making. Probably in the T&C's too.

 

[Roadrider48]

I lost an an iphone5 last year. Infact I put it down and walked off and forgot about it.
It was an incredibly complicated process to claim. But I did get the money for a new phone after 6 weeks.
Ian is right, you should've reported it ASAP. I think that is pretty standard.

 

[paul04]

You could have told them a little white lie, like you was away and your son did not have the insurance details, so he had to wait till you got back home.

 

[surfdude]

having a busy life the phone was not the top of my to do list . funny thing was she seemed surprised when i asked to cancel the insurance and she said i might need it again , so i did point out that i didn't have a phone now that needed it .

 

[Retribution03]

Never had phone insurance and I've always had top of the range phones they are covered on my house insurance but I could imagine the ball ache of trying to claim on that.

 

[byegad]

I worked for a well known firm, let's call it Tangerine, and their Ts&Cs used to say report within 24hrs. Having dealt with too many claims over my nearly 8 years there I have to say the insurance was fair but firm. Break the Ts&Cs and you don't get anything. Stay in them and you get your claim dealt with quickly, with replacement usually reaching you the next day.

The classic call was phones stolen from pub tables, or the bar, when the customer went to the loo. No chance of a replacement, the insurer demanded you take reasonable care and you wouldn't leave £100-£300 in notes there so why leave a phone costing the same?

 

[marknotgeorge]

I've never had a problem with @byegad's company's service, including the time I lost my phone in a taxi, when it took me a couple of days to track down the driver and establish the phone hadn't been found. The only issue I had was potentially paying an excess for a two-week old faulty handset.

 

[PlymSlimCyclist]

Having worked for two major networks, the insurance is fair, you need to uphold your end of the bargain.
Reporting the phone lost/stolen is the first thing you should do, as @byegad will agree with me here, it means the SIM card can not be used to make calls/texts etc at your expense, the phone and SIM are barred from the network, and then, in the instance you do find it (which fortunately I had a customer who did), the bar can be lifted without any costs to you.

Ok, it may not be on the top of your list of priorities, but it means you don't get a shocking bill at the end of the month, claiming for calls you never made. I'd rather have the inconvenience of making two calls than one about a high bill.

 

[welsh dragon]

having a busy life the phone was not the top of my to do list . funny thing was she seemed surprised when i asked to cancel the insurance and she said i might need it again , so i did point out that i didn't have a phone now that needed it .

Have a look at your terms and conditions. Normally it says you have to report the loss within a reasonable amount of time, but you can argue that you were looking for it, so you may be able to argue that point with them. You could also contact the insurance ombudsman and state your case. If you tell your insurance company that you are contacting the ombudsman, they may, just may reconsider. Good luck

 

[twentysix by twentyfive]

Phone Insurance? Crikey. Just have el cheapo phone. No need to insure as nobody will nick it and loosing it won't be such a b*mm*r