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If you your mobile phone gets damged whilst away

9 replies
Found 19th Jun 2014
Hi i wonder if any one has had a problem with a mobile phone, and have made a claim on their insurance? What did they ask for? I assume they want proof you originally had one, but do you need anything else?

9 Comments

my phone got damaged when I was away the other week, when I phoned insurance they asked me to take it to a phone store and get a damage report with value and cost of repair on it then they would give me the funds for either a new phone or repair

Depends who your insurance is with. If the phone is lost then it's easier for a new replacement. Whereas if it's damaged, then you go through lots of hoops for repair etc. Just don't make a backup of all your stuff then loose your phone and have to claim, pay the excess and have a new phone ;-)

redcastle

Depends who your insurance is with. If the phone is lost then it's easier … Depends who your insurance is with. If the phone is lost then it's easier for a new replacement. Whereas if it's damaged, then you go through lots of hoops for repair etc. Just don't make a backup of all your stuff then loose your phone and have to claim, pay the excess and have a new phone ;-)



Ah insurance fraud. What a wonderful person you are.

Original Poster

Also does it affect how much your insurance might cost the next year, if you make a claim?

leeparsons

Also does it affect how much your insurance might cost the next year, if … Also does it affect how much your insurance might cost the next year, if you make a claim?



yes - because you will now be considered a high risk and insurance is a risk based business

EliTom

Original Poster

elitom

yes - because you will now be considered a high risk and insurance is a … yes - because you will now be considered a high risk and insurance is a risk based businessEliTom



Yes I realize that. Thou it's a name, and how do they know you are same person?

ipswich78

Ah insurance fraud. What a wonderful person you are.




Indeed, that's why I said to not do that. But what the OP does is a completely different thing.

It depends on your insurance. If you claim on house insurance etc then yes your premium will go up next year more than likely. Even if you change, you have to declare it. If you have insurance from a bank for example, there is no premium increase as it's all inclusive. You need to check what insurance cover you have.

Original Poster

Its just travel insurance.
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