Found 22nd Feb 2011
Hi all, I just got a motorola defy on vodafone for 24 months :(. I wanted to know which is the best insurance to get for it. I didnt go for the one P4U offered.
Can anyone suggest a company which provides theft, loss, damage etc cover and relatively hassle free claims process.
Note - I'm a student and do not have home insurance.

24 Comments

Bank account.

Original Poster

I've heard that claims with bank account insurance is a pain. Is it?

I've never had to claim but i know people who have and didnt have any problems.

Banned

kyashwanth36

I've heard that claims with bank account insurance is a pain. Is it?



Mine is with halifax and the claiming process is as simple as filling a form in and sending it off with the broken phone. about a month later brand new phone or retail value for the phone if they can't source it.

Banned

Isn't your phone covered with your house contents insurance?

edit: duh never read the last line..

Have heard nothing but good things about bank account's phone insurance by scammers who drop their phones and claim for a new one each year.


Edited by: "lumoruk" 22nd Feb 2011

Not awake properly yet lumoruk ?.:p.........said in op that there a student with no house insurance !

moneysavingexpert.com/ins…nce
IIRC:
3rd party "specialists"= terrible
Networks £6/m or so = good
Additional cover from contents = good
Google is your friend.

shopstilldrops

Not awake properly yet lumoruk ?.:p.........said in op that there a … Not awake properly yet lumoruk ?.:p.........said in op that there a student with no house insurance !



That's the landlords responsibility.
However any tenant/student or otherwise should have done their homework and checked landlords they have landlords insurance/mortgage insurance etc.

Original Poster

thanks for the replies ppl.
So i checked out reviews on mse and other random forums, Lloyds got pretty poor reviews and also costs 7.95 a month.
TalkCover has decent reviews and costs 5.49 a month.
Any suggestions?

Another one to try is gadget.insureandgo.com/

Wife has her Blacberry covered at £4 a month

have you asked voda? often the network is cheaper..

Hey OP

When I was a student I organised a policy on my own belongings in case anything happened to them. Your landlord is responsible for buildings and his own contents insurance, but you can get your own personal policy for your kit. I would recommend looking into this, especially if you have a laptop, musical instrument or whatever. I think there are sometimes rules about having to have a lockable bedroom door with these things, but the insurance company will be able to give you the details. I think my policy cost about £100 for the year, and I had a couple of expensive things itemised on there.

bykergrove

Mine is with halifax and the claiming process is as simple as filling a … Mine is with halifax and the claiming process is as simple as filling a form in and sending it off with the broken phone. about a month later brand new phone or retail value for the phone if they can't source it.



Only draw back with mine at the minute is they want proof of replacement from Vodafone, so it's taken 5 days to get it sorted through email with Voda & now just waiting for the logo headed paper to arrive to send it off.

Claims form for Halifax (or their 3rd party or whatever) looks pretty straightforward though.

Fingers crossed the processing is quick, it says the aim is 1 working day to process & then another 5 working days to repair or replace

im with lloyds insurance and they've not being bad. Just got to follow the terms and if you lose the phone, report it to them within 48 hours etc. People probably give bad reviews because they didnt tell them.

Somebody was moaning on a review site because it took 17 days for the case to be resolved, I dont think thats too bad

EDIT: Could try endleigh insurance, I didnt think thats too bad
Edited by: "golemsmate" 22nd Feb 2011

Original Poster

plumberman01

have you asked voda? often the network is cheaper..



I got it through phones4u. Will vodafone still cover it?

Original Poster

studentessa

Hey OPWhen I was a student I organised a policy on my own belongings in … Hey OPWhen I was a student I organised a policy on my own belongings in case anything happened to them. Your landlord is responsible for buildings and his own contents insurance, but you can get your own personal policy for your kit. I would recommend looking into this, especially if you have a laptop, musical instrument or whatever. I think there are sometimes rules about having to have a lockable bedroom door with these things, but the insurance company will be able to give you the details. I think my policy cost about £100 for the year, and I had a couple of expensive things itemised on there.


Hi, thanks for the reply. I rented my flat through a letting agency. Not sure if they are responsible for insuring the property. Will definitely talk to them about it.

Original Poster

golemsmate

im with lloyds insurance and they've not being bad. Just got to follow … im with lloyds insurance and they've not being bad. Just got to follow the terms and if you lose the phone, report it to them within 48 hours etc. People probably give bad reviews because they didnt tell them.Somebody was moaning on a review site because it took 17 days for the case to be resolved, I dont think thats too badEDIT: Could try endleigh insurance, I didnt think thats too bad


Hi. Thanks for the reply
I recently received a letter from lloyds to upgrade to their silver account, which gives me free cover for mobile, but it costs 7.95 a month. Is it really worth upgrading to the silver account?
As of now I do not have an overdraft or any other extras.

Well for £8 pounds just for mobile insurance, it probably is expensive. My friend has gold and pays £10 a month for car breakdown, travel insurance and a mobile. Are those other benefits useful? If not try to find a cheaper broker. Becareful with the small print, there can be hidden terms like another friend could only make one claim without A huge excess.

P.s. sorry if there are any mistakes in the above, I'm. Typing a backup phone while Lloyd's fix my ihpne


kyashwanth36

Hi. Thanks for the replyI recently received a letter from lloyds to … Hi. Thanks for the replyI recently received a letter from lloyds to upgrade to their silver account, which gives me free cover for mobile, but it costs 7.95 a month. Is it really worth upgrading to the silver account?As of now I do not have an overdraft or any other extras.

Original Poster

golemsmate

Well for £8 pounds just for mobile insurance, it probably is expensive. … Well for £8 pounds just for mobile insurance, it probably is expensive. My friend has gold and pays £10 a month for car breakdown, travel insurance and a mobile. Are those other benefits useful? If not try to find a cheaper broker. Becareful with the small print, there can be hidden terms like another friend could only make one claim without A huge excess.



will i get any overdraft if i upgrade? If yes then maybe i'll do it. But as i don't own a car, I think i'll avoid the lloyds insurance then. Thanks.

Original Poster

This is what a community is all about
Thanks guys. Thank you HUKD.

kyashwanth36

will i get any overdraft if i upgrade? If yes then maybe i'll do it. But … will i get any overdraft if i upgrade? If yes then maybe i'll do it. But as i don't own a car, I think i'll avoid the lloyds insurance then. Thanks.



sorry for the late reply, with the gold you get £100 interest free. But as a student if you join natwest you get a rail card (34% off) and a £500 overdraft that can increase to £1350 (I think)

kyashwanth36

I got it through phones4u. Will vodafone still cover it?



well you didnt buy fom endsleigh either lol? wortha call?

well i was in mobile phone retail and we charged £6.95 while t-mobile charged £2.99..and check excess too.
I find it strange its taking so long to get insurance approved too..we used to do same or next day.
Edited by: "plumberman01" 23rd Feb 2011

do not get your phone insurance through these following companies:

Lloyds Tsb
Three
Barcleys
the co-op
phones 4 u
smile
virgin mobile
zurich

I know i previously stated to go with them but I just received my phone back and really, their service is crap. Going to take some resolving

Original Poster

golemsmate

do not get your phone insurance through these following companies:Lloyds … do not get your phone insurance through these following companies:Lloyds TsbThreeBarcleys the co-opphones 4 usmilevirgin mobilezurichI know i previously stated to go with them but I just received my phone back and really, their service is crap. Going to take some resolving


Thanks for the heads up. I was thinking either vodafone or TalkCover. What say?
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