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Mobile Phone Insurance

djstrobe4real Avatar
7y, 4m agoPosted 7 years, 4 months ago
I know i have asked this in a different thread but i was hoping someone may be able to answer my question a little quicker. Basically I have bought an Iphone 3GS and i want to insure it so i dont have to deal with the heartbreak of having to fork out hundreds of pounds to get a replacement. I have checked with my bank and they do not offer insurance, so at the moment i am torn between o2 and talkcover. Any iphone owners out there, what is the best mobile insurnace provider at the moment?

Rep for all answers!

Thanks
djstrobe4real Avatar
7y, 4m agoPosted 7 years, 4 months ago
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Comments/page:
#1
This may sound a bit lame, but look after it and get Applecare instead, or get contents insurance + Applecare.
1 Like #2
iCodd
This may sound a bit lame, but look after it and get Applecare instead, or get contents insurance + Applecare.


Isnt Applecare a load of pants as it mainly just gives you an extended warrenty against faults but according to European law everything has at least a 2 year warrenty anyway

[url]www.talkcover.co.uk[/url] which works out at £70 for 12 months cover if you pay up front or you can pay monthly but works out an extra £23 a year.

I am probably going to use them for my insurance and pay for 12 months up front then pay monthly for the final 6 months if I feel like carrying the insurance on. Have not bothered with insurance on mobiles in the past but dont want to risk it n my iphone 3GS
#3
NFS;5741274
Isnt Applecare a load of pants as it mainly just gives you an extended warrenty against faults but according to European law everything has at least a 2 year warrenty anyway

www.talkcover.co.uk which works out at £70 for 12 months cover if you pay up front or you can pay monthly but works out an extra £23 a year.

I am probably going to use them for my insurance and pay for 12 months up front then pay monthly for the final 6 months if I feel like carrying the insurance on. Have not bothered with insurance on mobiles in the past but dont want to risk it n my iphone 3GS


This is exactly my point of view, I have not bothered to take out insurance on my mobiles as i took the attitude if i lose it its my fault and i have to live with it. However having a shiny new iphone has made me change my mind completely, i think i too will be going with talk cover.

Oh and DCX -Tomm went with his bank (lloyds tsb) as that was his best option, ive already settled all of my accounts down from 3 to one as i am now graduating so paying off overdrafts and closed accounts. Barclays dont seem to do any kind of mobile insurnace until after I graduate.

Thanks for all the help guys! :thumbsup:
#4
djstrobe4real
This is exactly my point of view, I have not bothered to take out insurance on my mobiles as i took the attitude if i lose it its my fault and i have to live with it. However having a shiny new iphone has made me change my mind completely, i think i too will be going with talk cover.

Oh and DCX -Tomm went with his bank (lloyds tsb) as that was his best option, ive already settled all of my accounts down from 3 to one as i am now graduating so paying off overdrafts and closed accounts. Barclays dont seem to do any kind of mobile insurnace until after I graduate.

Thanks for all the help guys! :thumbsup:


Too much of a risk for me not having insurance on it...lol

Seen another insurance company mentioned on money saving expert (cant remember the company) but noticed in their T&C's that if the phone is stolen they will only pay out if you have been assaulted so you would need to make sure you got a punch if it was nicked
#5
NFS;5741413
Too much of a risk for me not having insurance on it...lol

Seen another insurance company mentioned on money saving expert (cant remember the company) but noticed in their T&C's that if the phone is stolen they will only pay out if you have been assaulted so you would need to make sure you got a punch if it was nicked


See this is why I am getting users opinions as I dont want to be paying for a service that when it comes to using it doesnt do what I intially thought as its hidden in the small print lol... Its to much to risk
#6
Hey dude, I did spend a lot of time looking into this for mine. I ended up going with getting a Lloyds TSB Silver current account.

It costs £3 for the first two months, then £7 a month after. Here is what you get:

Cover for a mobile phone up to £2000 inc. Accidental damage and liquid damage. (Internationally)
Up to £1500 of unauthorised calls.

And you can claim twice in a year.
£30 Excess (£5 more then o2 but its a lot cheaper and I don't think o2 cover you internationally).

You also get AA Breakdown cover, European travel insurance (for you and one other person) for up to 22 days in europe.
You can also collect airmiles at 1 Airmile per £1 spent.

And you also get Sentinel card protection.

Personally I think all that for £7 a month is a bargain.


http://www.lloydstsb.com/current_accounts/added_value_accounts/silver_current_account.asp

If you want to look into it more, its all there.
#7
NFS;5741274
Isnt Applecare a load of pants as it mainly just gives you an extended warrenty against faults but according to European law everything has at least a 2 year warrenty anyway

www.talkcover.co.uk which works out at £70 for 12 months cover if you pay up front or you can pay monthly but works out an extra £23 a year.

I am probably going to use them for my insurance and pay for 12 months up front then pay monthly for the final 6 months if I feel like carrying the insurance on. Have not bothered with insurance on mobiles in the past but dont want to risk it n my iphone 3GS

Their excess is really expensive dude, please read my post :).
#8
djstrobe4real
See this is why I am getting users opinions as I dont want to be paying for a service that when it comes to using it doesnt do what I intially thought as its hidden in the small print lol... Its to much to risk


Yeah defo worth going through the small print
From memory the talkcover excess on the policy was £50 & £75 but hopefully you will not do anything to the phone to need a claim and you can take the policy out upto 6 months after you have the phone

o2 will only supply you with their premium insurance for the iphone which costs £10 a month and the excess is £25 per claim
#9
t0mm;5741524
Hey dude, I did spend a lot of time looking into this for mine. I ended up going with getting a Lloyds TSB Silver current account.

It costs £3 for the first two months, then £7 a month after. Here is what you get:

Cover for a mobile phone up to £2000 inc. Accidental damage and liquid damage. (Internationally)
Up to £1500 of unauthorised calls.

And you can claim twice in a year.
£30 Excess (£5 more then o2 but its a lot cheaper and I don't think o2 cover you internationally).

You also get AA Breakdown cover, European travel insurance (for you and one other person) for up to 22 days in europe.
You can also collect airmiles at 1 Airmile per £1 spent.

And you also get Sentinel card protection.

Personally I think all that for £7 a month is a bargain.


http://www.lloydstsb.com/current_accounts/added_value_accounts/silver_current_account.asp

If you want to look into it more, its all there.


Did you take this account out specifically for the iphone or was it just an account youve previously had. Was it easy enough to open a new account etc
#10
I had an under 19 acc I never used. I had to go through the whole application process again though because aparebtly they can't upgrade the U19 account. But I took it out only for the iPhone I'll never use it really.
#11
It was really easy yes. You need your mobile number and imei numer with you.
#12
It’s all well and good having cover through your bank or a cheap policy. Just wait till you try and claim though. I’ve got a Barclays Additions Plus account, which is there top add-on and one of the features is meant to be comprehensive phone insurance.

I was using my C905 when it was raining, didn’t think anything of it. A week later the speaker stopped working.
I had to ring Barclays within 48hrs report the phone as damaged and give them a description of how it happened, then they sent out a claims form which took a week to get to me, on the claims form I had to answer 4 pages of questions which were pretty much the same as what I was asked on the phone.
Eventually I got a letter back and I was allowed to pay the £25 excess and send the phone back to be repaired. A few weeks later I got a letter to say the phone was water damaged! My policy covered water damage, but because they could see it was beginning to rust they said the damage must of occurred more than 48hours before I reported it, which made the policy invalid.
Seriously, how am I meant to know the phone is damaged when it’s still working properly!? I wrote several letters, but they wouldn’t have any of it.
My £400 C905 (which I bought sim free in October) is now sat at the bottom of a draw gathering dust.

I’ve just bought an Iphone 3GS and I’m not making the mistake of getting crappy phone insurance again. I recommend going with ether an O2 or a Carphone Warehouse policy.
If you don’t your likely to be doing what I did, filling out endless forms, waiting for over a month for everything to be sorted, and watching them do everything in there power to find an excuse not to pay out.
There not cheap, but with a lot of these other policies they only seem worth having if you never have to use them.

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