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Lost my iPhone yesturday - no insurance! 6 months into contract... Options!?!?

BettyBoo1012BettyBoo1012

Hey guys
I lost my iphone 3g while out shopping yestruday- realised it was missing right away - retraced my steps and its definately 'lost'. I rang it twice - it rang but no answer. The third ring and it was 'Welcome to O2'.....

So with no insurance, I rang up o2 right away to get my phone blocked and ask for a new sim.

Anyone advise me what my options are? Probably nothing I can do - the thing is, while it was my fault I dropped it - it is clear to me now that someone had found it and has decided to keep it, which I feel is now theft! So gutted!

I rang o2 who said if I get another phone, I still have to keep paying my iphone contract until 9months before I can get it lowered to a cheaper tariff, and even then you can only go down to the next cheapest tariff which will probably be £30 a month.

Just sharing my pain......

All Comments (16)

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    magicjay1986
    Usually they would make you buy out your contract. Best thing to do I would say is buy a phone and ride it out.

    Have you tried (long shot) contacting the police station for lost and found?
    Abz
    Abz5 years, 3 months ago #2Show comment tools Reply
    buy a new phone and take out insurance this time! banks normally offer phone insurance etc...
    BettyBoo1012
    hmm no didnt think of contacting police - good idea, because i blocked my phone for use within 20minutes of using it - so you would think the person with it would realise it cant be used and get rid - ideally give to cops, but other people would probably go on the net and unblock it....

    Buying out a contact! omg imagine how much that would set me back :( 35 a month times 11 months
    BettyBoo1012
    oh - so they could use it for the music, and connect to their computer and all that?

    rang the police - no phones handed in but give me a reference number for insurance purposes - lol
    BettyBoo1012
    I said to the security guys about looking at the cctv etc but also mentioned this to the cops and they said it wouldnt be much use as they are not treating it as theft at this point
    cheerleader
    BettyBoo1012;5735423
    oh - so they could use it for the music, and connect to their computer and all that?

    rang the police - no phones handed in but give me a reference number for insurance purposes - lol

    does your household insurance cover items when you are out? as some do i think :?
    BettyBoo1012
    i mentioned that to my sister who works in insurance and she says that it would work out very expensive making a house insurance claim - paying the excess and then it would make the premium much higher the next year :/
    khy86
    I lost my phone once, called up Orange and they said that if i took out insurance for the remainder of my contract and paid an excess i could get the phones replaced, might be worth speaking to them about options
    BettyBoo1012
    I rang o2 up about the phone blocking and they said with the iphone, it blocks the phone as well as the signal - because told him i did not want people accessing my email/photos/phone book - and he confirmed that this would all be blocked on my phone - so it must be different from usual phones
    BettyBoo1012
    no - how do you get that? I could send my brother out to get it!

    no chance of recovering it any other way - getting desperate here!
    cheerleader
    BettyBoo1012;5735476
    i mentioned that to my sister who works in insurance and she says that it would work out very expensive making a house insurance claim - paying the excess and then it would make the premium much higher the next year :/

    even with making the premium higher next year i would have thought it would still be a lot cheaper than buying another iphone surely :?
    krato
    From what I know it does fully block the phone from being used in anyway, however its prety simple to unlock and change the imei using a program (anyone can do it), I doubt they'd be able to get pics and emails and so on.

    I feel for you! I'd hate to lose mine =[ When you rang o2 did they give you any other options?
    If you do get a new phone thats quite expensive you can get insurance to cover it for about £5 a month.
    BettyBoo1012
    i read on an o2 forum about getting a replacement phone which is £352 - but dont want to pay that huge amount - ill just get a cheapish sony ericsson - that point made about Orange offering a replacement phone if they took insurance and paid the excess - that would be great if it was possible for the iphone - doubt it though somehow
    tanzc69
    Can you not claim on your home insurance?
    I also have phone insurance with my bank so it might be worth checking to see if they do it.........
    BettyBoo1012
    Will look into home insurance - although its not my house, my parents house.
    Has anyone claimed this way? Does it cost much?

    Bank does not do phone insurance unfortunately
    Thanks for all the respones!
    t0mm
    BettyBoo1012;5736850
    Will look into home insurance - although its not my house, my parents house.
    Has anyone claimed this way? Does it cost much?

    Bank does not do phone insurance unfortunately
    Thanks for all the respones!

    Depends what your excess is, see if you have personal posessions cover.

    Look into insurance definately next time.

    When I got my 3GS I went straight to Lloyds TSB and insured mine. £7 a month gets me insurance up to £2000. AA breakdown cover, european travel insurance and airmiles.

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