iPhone 4 Insurance - Advice

8
Found 29th Jun 2010
Just a little advice for anyone thinking of getting their shiny new iPhone 4 insured.

It will likely work out much cheaper if you add this to your existing home insurance, rather than insuring it alone.

For £5 per month my insurer (Liverpool Victoria) have added cover for accidental damage or theft for any item I take out of my home (value up to £1,000 for any item and up to £2,500 for any single claim).

Most of the iPhone 4 insurances I could see cost about £10 per month for just the phone. So this is half the price and the cover is for anything, phone, laptop, bag, wallet etc.

So before you get iunsurance, check with your home insurance provider. I hope this advice helps someone out!

8 Comments

Trouble is this will affect your no claims when you come to renew the following year. A lot are incorporated in bank accounts now where you dont pay extra the following year.

Banned

£5 from barclays and you dont lose your insurance no claims because of a phone.

Really poor advice from OP.

Original Poster

vibeone;8938652

£5 from barclays and you dont lose your insurance no claims because of a … £5 from barclays and you dont lose your insurance no claims because of a phone.Really poor advice from OP.



Horses for courses. I don't want to get a Bank account with someone I don't bank with just to get phone insurance. And the policy I have added it to is my £90 per year home contents insurance, so no claims bonus doesn't amount to much.

Banned

justingalore;8938695

Horses for courses. I don't want to get a Bank account with someone I … Horses for courses. I don't want to get a Bank account with someone I don't bank with just to get phone insurance. And the policy I have added it to is my £90 per year home contents insurance, so no claims bonus doesn't amount to much.



Still pointless. You don't even have to bank - open the account, for free, standing order from your "proper" bank account for £5 a month job done.

I can't see any way for the advice in the OP to be useful to anyone?

Please explain.

Original Poster

Useful as I am getting more insured for £5 per month than you would using the Barclays method you have outlined.

Losing my no claims bonus on my contents insurance, which only costs £90 per year total, is insignificant compared to a claim for a broken iPhone, or a claim for any other item I have stolen, lose or break when I am out and about.

As I said, horses for courses......

justingalore;8938956

Useful as I am getting more insured for £5 per month than you would using … Useful as I am getting more insured for £5 per month than you would using the Barclays method you have outlined.Losing my no claims bonus on my contents insurance, which only costs £90 per year total, is insignificant compared to a claim for a broken iPhone, or a claim for any other item I have stolen, lose or break when I am out and about.As I said, horses for courses......



Yes but your home insurance wont be £90 next year if you have a claim will it. I agree with poor advice to be honest

Original Poster

Yes it will be £90 ish, I have only had it two years so there is really no no-claims in it. Having claimed on a different insurance in the past, that hardly went up at all the following year.

The whole point of this thread was to advise against going for standalone phone insurance, not to debate bank account deals versus contents insurance!..

On vibeones side.

Also get RAC cover etc for free.
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