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Anyone had Mobile phone insurance from Lloyds Bank?

Posted 20th May 2014
As stated in question. I am thinking of upgrading my Classic Account so Silver Account for around £10 at Lloyds Bank. Silver Account includes Mobile Phone insurance (excess for iPhone £100 and Other £50), and few other benefits.
But I am after phone insurance.

Has anyone made a claim for their phone? How efficient was the claim process? How long did you had to wait to get your phone?

Thanks in advance.
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