Cheapest iPhone insurance including loss protection only £43.03 per year, just £3.59/month
I have been looking at mobile insurance for the new iPhone 4S. Cheapest including loss cover seems to be Insure and Go at only £43.03 a year
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All Comments (26)
Jump to unread Post a CommentIs that not fraud and illegal?
"is u not got" an English teacher? (innit)....
http://www.tuaw.com/2011/10/04/applecare-for-iphone-covers-accidental-damage/
Edited By: SilverBlack on Oct 10, 2011 09:16
You can probably get an iphone for about £500, is it really worth paying that amount of money to insure the thing? My house insurance is £200 and covers my house falling down and all the contents up to £15,000. My car insurance is admittedly £800 but covers me up to millions of pounds of damage.
Yet you'd pay 10% of the value of a product each year to insure it.
There is a reason companies like you to take out insurance on inexpensive products like washing machines and mobiles, they charge what seems like a small premium to insure something inexpensive
Yes you are missing something. Read the Exclusions in the terms and conditions. 2G could be and issue if you don’t report ant loss or theft within 24 hours they wont pay out.
Seems like there’s a whole host of reasons why they wont pay out.
EXCLUSIONS
This Certificate does not cover:
1. Wear and tear or gradual deterioration, corrosion, rust,
condensation, dampness, dust or change in temperature,
gradually developing defects, cracks, flaws or fractures,
scratching, chipping, abrasion, change of colour, texture or
finish.
2. Theft, loss or damage to the Product
a) whilst kept in an unattended motor vehicle unless the
vehicle is locked and all protections are in operation and
the Product is concealed in a locked glove box (all
vehicles) or the boot of the vehicle (saloon cars), under the
rear parcel shelf (hatchback cars and 4x4 vehicles) or in the
spare wheel compartment (estate cars) so that forced and
violent entry into the car is required. A copy of the repairer’s
account for such damage to the vehicle must be supplied
with any claim. Theft or damage from side pockets and any
other interior space of the vehicle other than those specified
will not be covered;
b) from any commercially registered vehicle;
c) whilst left on any motor vehicle roof, bonnet or boot;
d) from any property, place or premises unless such theft or
damage has occurred through forced and violent entry or
exit;
e) whilst in any form of public transport or public place other
than when the Product is taken by actual or threatened
force;
f) unless accompanied by a Crime or Lost Property
Reference number. Lost Property numbers are not
acceptable in support of a Theft claim;
g) unless reported to the appropriate local Police authorities
within 24 hours of discovering the incident;
h) unless reported to the Network within 24 hours of discovery
of the incident.
i) arising from abuse, misuse or neglect;
j) whilst the Product is in the possession of any third party
other than Your Immediate Family;
k) or malfunction of the Product caused by or related in any
way to a software virus or any other software malfunction;
3. Theft or loss of the SIM or memory card/stick or datacard other
than in respect of valid theft or loss claims where this was
stolen or lost with the Product;
4. Theft, loss or accidental damage to any accessories that were
not attached to Your Product at the time of the incident
occurring and subject to the Limit of Liability in respect of any
claim for accessories.
5. The first £25.00 of each and every claim
6. Any claim within a 12 month (annual) period where the Insurer
has already authorised 2 successful claims within that same 12
month (annual) period being the 12 month (annual) period
commencing at insurance purchase or renewal date.
7. Loss where the circumstances of the loss cannot be clearly
identified, i.e. where You are unable to confirm the time and
place of the loss.
8. Computers or portable computers such as laptops, netbooks
and notebooks.
9. Routine maintenance, adjustment, modification or servicing.
10. The VAT element of any claim if You are registered for VAT
11. Any other costs that are indirectly caused by the event which
led to Your claim, unless specifically stated in this Certificate,
including but not limited to the loss or corruption of data,
http://www.tuaw.com/2011/10/04/applecare-for-iphone-covers-accidental-damage/
UK t&c's say it does not cover accidental damage, is this just a US thing?
Edited By: valmiki on Oct 10, 2011 10:03
Has to be taken out with 60 days of purchasing phone, and also phone has to be purchased new for a retailer, rather than somewhere like ebay
Edited By: secretwoman123 on Oct 10, 2011 10:11
Agreed, which is why you really need to read the T&C's to make sure that when something happens your covered.
I did actually loose my 32GB iPhone 4 whilst on holiday in the US back in May. It fell out my pocket when i was on a roller coaster, needless to say it never got handed in. I'm pretty sure it got smashed when it hit the ground as i couldn't locate it using the find my iPhone app on my wifes phone.
Anyway my home insurance covered it and it was all very easy, so you might want to check to see if your already covered.
than when the Product is taken by actual or threatened
force;
Why wouldn't this come under "loss"?
I personally would not got for a cheap bog standard policy like this for something so valuable, i would make sure it is completely covered for everything