Cheapest iPhone insurance including loss protection only £43.03 per year, just £3.59/month
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Cheapest iPhone insurance including loss protection only £43.03 per year, just £3.59/month

26
Found 10th Oct 2011
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

26 Comments

Before you take out anything like this check your home contents insurance. Recently claimed on our contents insurance for one of my kids phones and it was hassle free. Insurance was with Tesco and they were brilliant about it all.

Is u not got home insurance use a friends policy works fine for me

Household insurance generally isn't equivalent to a specialist mobile policy. For example, our mobile policy includes accidental damage and breakdown cover and what you will most likely find is that after reporting a loss or making a claim on your household policy your no claims bonus and/or premium will be affected.

ZOLA_OT

Is u not got home insurance use a friends policy works fine for me


Is that not fraud and illegal?

ZOLA_OT

Is u not got home insurance use a friends policy works fine for me



"is u not got" an English teacher? (innit)....

Another example of anything iPhone getting cold, this is a good deal for insurance.

This cover is only valid for phones up to £500 which means you need to get the "Black" level of insurance at £67.39 for phones over £500 like the iPhone 4s 32GB and 64GB.

I've been looking for iphone insurance.Has anybody used these?? I'm always worried about hidden terms & conditions etc

how much is iPhone 3GS 32gb worth insurance wise?

You will be able to get applecare+ soon not sure on prices might be worth a look.
tuaw.com/201…ge/
Edited by: "SilverBlack" 10th Oct 2011

Looking at the terms, this actually looks like a pretty good deal, can't understand the coldness unless I'm missing out on something?

Is it a good deal generally? not saying though that this isn't cheap for iphone insurance.

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

valmiki

Looking at the terms, this actually looks like a pretty good deal, can't … Looking at the terms, this actually looks like a pretty good deal, can't understand the coldness unless I'm missing out on something?




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,

SilverBlack

You will be able to get applecare+ soon not sure on prices might be worth … You will be able to get applecare+ soon not sure on prices might be worth a look.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?

Hi jaypr, Point taken, thanks, but these look pretty standard in mobile phone insurance?
Edited by: "valmiki" 10th Oct 2011

i took out the square trade warranty via amazon for my iphone4 cost £50, it does not cover loss or theft but all accidental damage for 3 years. If i lose it or it gets stolen then i have household insurance but as others have said it will increase your policy if you claim on it, i believed i got more chance of damage to it then losing it, so felt £50 for 3 years was worth it

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" 10th Oct 2011

valmiki

Hi jaypr, Point taken, thanks, but these look pretty standard in mobile … Hi jaypr, Point taken, thanks, but these look pretty standard in mobile phone insurance?



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.

My Samsung B130 cost me £7.99 in 2007,it has a PAYG sim with £7 of credit on it. The phone has a trade in value of £1 in Cex. Would this policy be suitable for me?

This one's dodgy.

whilst in any form of public transport or public place otherthan when the … whilst in any form of public transport or public place otherthan when the Product is taken by actual or threatenedforce;


Why wouldn't this come under "loss"?

whitbyfish

My Samsung B130 cost me £7.99 in 2007,it has a PAYG sim with £7 of credit … My Samsung B130 cost me £7.99 in 2007,it has a PAYG sim with £7 of credit on it. The phone has a trade in value of £1 in Cex. Would this policy be suitable for me?


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

davelfc

Not sure on details i would imagine it will come to the UK too but no … Not sure on details i would imagine it will come to the UK too but no info as yet.UK t&c's say it does not cover accidental damage, is this just a US thing?


If it doesn't cover theft or loss then i'd say the policy was next to useless. £40 a year or taking care of your things, its a no brainer

Original Poster

This includes loss unlike most policies - the cheapest equiv I have found is £55 (with worse terms and conditions) so this looks like a good deal to me - and as far as putting your phone on the household insurance goes I bet your excess is more than £50 and it will affect your future no claims if you claim so seperate mobile insurance seems the sensible option for this price.

Original Poster

Ok so they dont seem the best!.... reviewcentre.com/rev…tml A very poor review ahs changed my mind to betterbuyinsurance.co.uk at £59.99 plus £2.70 Quidco - much better reviews even if £6 a month

Thanks for sharing

seems good price for less hassle if you lose it
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