Unlimited Gadget Insurance 30 days free trial then £9.99/month after + £15 Quidco Cashback @ HelpUCover.co.uk
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Unlimited Gadget Insurance 30 days free trial then £9.99/month after + £15 Quidco Cashback @ HelpUCover.co.uk

20
Found 25th Jul 2012
I've got a new contract phone and wants to insure it. My dad and sister got the same contract phone. So when I found this from quidco that it can insure unlimited gadget. I thought it's a good deal. Also they are having 30 days free trial + £15 quidco. Although I have no previous experience with the company and this is my first insurance policy ever. So if anyone found any catch on this policy or can suggest a better insurance for 3 mobile phones, please comment below.

Some info
Gadget and Mobile Phone Insurance

We'll help you protect your gadgets and mobile phone for just £9.99 per month



Great value Gadget and Mobile Phone insurance

With helpucover Gadget and Mobile Phone Insurance you can relax safe in the knowledge that your electronic items and mobile phones are protected against loss and theft, accidental damage and mechanical breakdown.

Not only do we cover electronic items purchased and owned by you and household family members but we also include desktop PCs and scanners, laptops, iPads and even iPhones. And best of all, there's no excess to pay if you need to make a claim.


At a Glance Benefits

Register unlimited number of items with up to £1,500 cover per incident
No registration required for items worth less than £150
No excess to pay
Cover includes items owned by you and members of your family living at your address
Cover for all portable electronic devices such as MP3/4, games players, satellite navigation equipment, Mobile phones including iPhones, laptops, PDAs, cameras and camcorders
Cover for desktop computer, base unit, keyboard and mouse, desktop printers and scanners
Cover for gifts received by you and for electrical items bought outside the UK
Worldwide cover for up to 90 days
Cover against airtime abuse on mobile phones (up to £2,000 contract and £500 pay as you go)
Mobile phone blocking
Repair or replacement cover for mechanical or electrical breakdown of your items following expiry of a manufacturer's warranty or guarantee
Your no claims bonus on other insurance not affected

One call does it all - 24/7, 365 days a year

We like to make things simple. Just one number gives you access to all our services whether to ask advice, register items over £150, report lost items, block your mobile phone with your airtime provider or make a claim.

20 Comments

This actually sounds pretty good. I'm paying quite a bit already to have just my iPhone insured

Original Poster

ewen1605

This actually sounds pretty good. I'm paying quite a bit already to have … This actually sounds pretty good. I'm paying quite a bit already to have just my iPhone insured



thanks for at least commenting. not sure why people voting this cold. i mean if they found some catch on it at least let me know. so i can cancel it after my free trial.

You can make up to two claims within a rolling 12 month period.

We will only pay claims over £50.

But all looks pretty good if thats your thing!

Original Poster

gary_rip

You can make up to two claims within a rolling 12 month period.We will … You can make up to two claims within a rolling 12 month period.We will only pay claims over £50.But all looks pretty good if thats your thing!



Thanks for pointing out making up to two claims per 12 month period. What's the rules for other insurance? Can you claim more per 12 months? Sorry i'm curious as it was my first insurance policy.

"We will only pay claims over £50"
Any reason why there's a need to claim a gadget worth £50 and below? Most gadget worth more than £50 anyway?

Thanks for comments.

Original Poster

Thanks people. Whether you're voting hot or cold. Kindly post your comments so we can have a discussion. If you found a good point of the deal share it with other people to encourage them. For people who voted cold. Please comment as well. If you found bad point of the deal, share it to warn people, including me.

That's quiet good, companys such as three try and make you buy it for 7.99 per month but that's only for one phone.
Hot

Phones are generally covered by your home contents insurance. There's no point paying again for cover you already have
forums.moneysavingexpert.com/sho…642

Sounds a lot better than what I am paying at the moment + it also covers my wife's gadgets,

unless you want to protect your home insurance, i can't see the point of separate insurance for individual items: bikes, phones, laptops can all be covered by home insurance for pretty much the same price, unless you've got a history of scamming... sorry, i meant 'claiming' for items regularly.

Original Poster

pete_l

Phones are generally covered by your home contents insurance. There's no … Phones are generally covered by your home contents insurance. There's no point paying again for cover you already havehttp://forums.moneysavingexpert.com/showthread.php?t=2739642



Like what i've said before. This is my first insurance so I'm quite clueless. Just a question for home insurance, will it be covered even if the phone was stolen outside home? or just the gadgets lost or damaged inside home? and do you need to pay excess if you claim from home insurance? thanks.

Original Poster

marineville

unless you want to protect your home insurance, i can't see the point of … unless you want to protect your home insurance, i can't see the point of separate insurance for individual items: bikes, phones, laptops can all be covered by home insurance for pretty much the same price, unless you've got a history of scamming... sorry, i meant 'claiming' for items regularly.



good point. just a question again. we are just renting the house, are we qualified to get a home content insurance? or just for home owners? i haven't tried searching for info so if you could enlighten me with that since it seems you've got a home insurance yourself. thanks.

marineville

unless you want to protect your home insurance, i can't see the point of … unless you want to protect your home insurance, i can't see the point of separate insurance for individual items: bikes, phones, laptops can all be covered by home insurance for pretty much the same price, unless you've got a history of scamming... sorry, i meant 'claiming' for items regularly.

You may be making life difficult for yourself if you try that.
Insurance companies are so "hot" on fraud these days that if it turns out that you have 2 separate policies covering the same items, then each insurance company will look to the other to pay out - and won't feel the need to pay you, themselves. Obviously it's to stop you making two claims, but unless you can find a way to resolve it, you'd be in a standoff. Remember, neither insurance company would have anything to gain from paying you, and any argument you have as to why ONE company should pay out could be used against you (by the that company) as to why the other lot should pay, instead.

Sempai106 - yes you can and should have contents insurance. Easy way to think of it is if you moved what would you take? That's what you risk losing if you have a fire etc.

As for mobiles covered on home insurance, some may well be but normally just for theft. Some for loss, even less for accidental damage and even less than that will cover claims unless you damage or have it stolen from the home.
Added to that claiming on home insurance tends to have an excess of £100 and would lose you any no claims meaning the possibility of increased prices anything like £100-200 per year after for a few years doesn't really make sense even for a £400 mobile.

Personally for mobile insurance I would either pay through the teeth for a good cover from your operator or in my opinion do a policy that are sold by near on every bank as a package on an account. Will normally be about £5 per month, £7.50 to include gadgets, will possibly get other things covered, will have a smallish excess and at least you know your with a big company who you can complain to if you have issues rather than someone you've never heard of from the Internet.

Just my 2ps worth.

Original Poster

A2DY_

Sempai106 - yes you can and should have contents insurance. Easy way to … Sempai106 - yes you can and should have contents insurance. Easy way to think of it is if you moved what would you take? That's what you risk losing if you have a fire etc. As for mobiles covered on home insurance, some may well be but normally just for theft. Some for loss, even less for accidental damage and even less than that will cover claims unless you damage or have it stolen from the home. Added to that claiming on home insurance tends to have an excess of £100 and would lose you any no claims meaning the possibility of increased prices anything like £100-200 per year after for a few years doesn't really make sense even for a £400 mobile. Personally for mobile insurance I would either pay through the teeth for a good cover from your operator or in my opinion do a policy that are sold by near on every bank as a package on an account. Will normally be about £5 per month, £7.50 to include gadgets, will possibly get other things covered, will have a smallish excess and at least you know your with a big company who you can complain to if you have issues rather than someone you've never heard of from the Internet. Just my 2ps worth.



thanks A2DY, a really good explanation. Yeah I would consider then looking at my bank if they have a good gadget policy I could take. Thanks for taking the time to comment.

I got my mobile covered through my home insurance for £6 per annum. The only exclusion is they wont cover water damage so dont drop it down the loo! Most home insurance companies offer this extra, just ask

Almost identical to American Express "my essentials" only Amex allow 3 claims per rolling 12 months. Claimed a couple of months back for broken screen on Galaxy Nexus S. Very smooth claim.

americanexpress.com/uk/…als

Original Poster

18nine04

Almost identical to American Express "my essentials" only Amex allow 3 … Almost identical to American Express "my essentials" only Amex allow 3 claims per rolling 12 months. Claimed a couple of months back for broken screen on Galaxy Nexus S. Very smooth claim. https://www.americanexpress.com/uk/personal/insurance/my_essentials/myessentials.shtml?inav=gb_menu_insurance_pi_essentials



yeah i saw that deal before. i want to take it except that i'm not amex customer.

The company behind the site does not have great reviews. My insurance after quidco was just £40 for the year which i felt was good.

I want to warn on this service provider, My essential insurance under Amex.

This will be long story I’m afraid, sorry.

My Macbook air laptop has been water damaged causing partial keyboards weird pressing feeling and noise, dimmed backlight while I was in overseas.

My essential team asked me to get estimation from Apple authorized store and I did then given go ahead with repair but unfortunately they didn’t have UK keyboard to replace entre top case quoted just £175.

So I got back to My essential then they gave me two options :

1. Take laptop to Apple store
2. Use their repairer

Given that urgency and jet lag, I chose the option 2 then they arrange career service to pick it up and returned back to me after couple of days with letter stating that it’s been fully tested and repaired.

However the keyboards had same problem (no backlight, weird sounds/feelings) with only slight level of improvement (less noisy keyboard). While they’re closed, I consulted with Apple engineer and they asked me who’s been handled the repair. It turned out to be they’re NOT Apple Authorised repairer!

I was genuinely shocked and made a claim since I was not advised fully when I was given two repairing choices and had no doubt that they’ll send this to the Unauthorised repairer to fix such a sophisticated gadget (from my subjective view)

Now after spent days with claim managers, customer relations manager, I was only given one option to send my laptop back to this unauthorized repairer again without knowing that whether they’ll be able to fix it or wasting my another time. The claim manager made the poorest excuse this year so far, saying that they sent it to repairer to DIAGNOSE the issue NOT necessary to fix the issue while it came back with confirmation letter saying that it’s been fully tested and fixed. Was he out of mind or is it new trend of joking??

Therefore I’m seeking independent advisor and help on this dispute and protect my consumer right. It would be very appreciated if someone can advise me.

I would not recommend this service provider to Apple owners or Please be aware that their repairer service provider is not Apple authorized one if the carrier pick up service sounds good to you.

I’ve been with My essential for couple of years and it’s a shocking and huge disappointment from Amex in this occasion since I was not given single apologies nor admittance of their mistake, fail to provide full customer information before making decision on their valuable property.

This service used to be £9.99 when I first took this out 3 years ago with no minimum claim & maximum of £2500

Since then it has gone up to £13.99 a month with a minimum claim of £50 & lower maximum of £1500.

This is still great value as I have all my families phones, tablets & gadgets on there but frustrating that the price has increased whilst the benefits decreased.
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