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    Mobile Phone Insurance (3GS)

    Okay, so I really don't want this expensive peice of kit to roam the streets without insurance.
    I was wondering if anyone can recommend anywhere I can get decent mobile phone insurance with a company that checks out 'okay'.

    o2 want £10 a month.

    21 Comments

    Have you checked with your bank? With my barclays additions account I get insurance for 2 mobiles.

    If you have a credit card, check with your issuer if they do it complimentary.

    Original Poster

    DVS_Dee;5537160

    Have you checked with your bank? With my barclays additions account I get … Have you checked with your bank? With my barclays additions account I get insurance for 2 mobiles.


    That's my next port of call :thumbsup:
    iCodd;5537173

    If you have a credit card, check with your issuer if they do it … If you have a credit card, check with your issuer if they do it complimentary.


    I don't

    Insurance2go is £53.91 for an annual policy which includes loss and you get £6 quidco. So works out about £4 a month.

    Original Poster

    GAVINLEWISHUKD;5537238

    Insurance2go is £53.91 for an annual policy which includes loss and you … Insurance2go is £53.91 for an annual policy which includes loss and you get £6 quidco. So works out about £4 a month.


    Are they a legit company?

    Just don't want to pay out like £100 over two years to find out if I need to use it they'll just fob me off.

    GAVINLEWISHUKD;5537238

    Insurance2go is £53.91 for an annual policy which includes loss and you … Insurance2go is £53.91 for an annual policy which includes loss and you get £6 quidco. So works out about £4 a month.



    I looked at this company before as just got my iphone 3gs today

    spoke to them regarding excess and apprarantly their excess is £100 if you make a claim within the first 3 months of the insurance and then £50 excess for the rest of the term so was a bit put off

    roadrunner1;5537289

    another optionhttp://www.talkcover.co.uk/apple/iphone3g/insurance.asp



    Tempted by this company as if you buy 12 months insurance in one go you get it for around £71 a year on an iphone 3gs and their is a 10% off code on here which would knock it down to £64.72 for 12 months cover.

    Not sure if it's worth using the code as apparantly it relates to people in a certain university so the insurance company may try and get out of a claim if you use the code and it's not meant for you but thats just my thinking as insurance companies like to try and get out of claims

    Think their excess is £50 and £25 but would have to double check the T&C's

    Original Poster

    These are recommended by MSE so I guess they'd be okay. I might go with them too.

    What's the code?

    NFS;5537719

    Tempted by this company as if you buy 12 months insurance in one go you … Tempted by this company as if you buy 12 months insurance in one go you get it for around £71 a year on an iphone 3gs and their is a 10% off code on here which would knock it down to £64.72 for 12 months cover.Not sure if it's worth using the code as apparantly it relates to people in a certain university so the insurance company may try and get out of a claim if you use the code and it's not meant for you but thats just my thinking as insurance companies like to try and get out of claimsThink their excess is £50 and £25 but would have to double check the T&C's

    Brua01

    Original Poster

    It seems £75 for loss. £50 for accidental damage and theft and £25 for everything else.

    7. An excess fee for all claims which must be paid before your claim can be approved.
    If your claim is for an iPhone, the excess fee is £50 for any claim relating to theft or damage, and £75 for any claim relating to loss. For any international claim, the excess fee is £75.
    For all other items, there is an excess fee of £25 for theft / damage claims and £50 for loss claims and £75 for international claims.


    NFS;5537719

    Tempted by this company as if you buy 12 months insurance in one go you … Tempted by this company as if you buy 12 months insurance in one go you get it for around £71 a year on an iphone 3gs and their is a 10% off code on here which would knock it down to £64.72 for 12 months cover.Not sure if it's worth using the code as apparantly it relates to people in a certain university so the insurance company may try and get out of a claim if you use the code and it's not meant for you but thats just my thinking as insurance companies like to try and get out of claimsThink their excess is £50 and £25 but would have to double check the T&C's

    t0mm;5537777

    It seems £75 for loss. £50 for accidental damage and theft and £25 for ev … It seems £75 for loss. £50 for accidental damage and theft and £25 for everything else.7. An excess fee for all claims which must be paid before your claim can be approved. If your claim is for an iPhone, the excess fee is £50 for any claim relating to theft or damage, and £75 for any claim relating to loss. For any international claim, the excess fee is £75. For all other items, there is an excess fee of £25 for theft / damage claims and £50 for loss claims and £75 for international claims.



    Hopefully wouldnt lose my phone as more worried about damage and theft
    Think this company has been the best I have seen so far but in the same boat as you mate as didnt want to pay £10 a month to o2

    They threw the insurance on my contract in the shop even though I didnt want it they said they had to add it and you can cancel it but in other words the sales team get comission on the insurance sales so i cancelled the policy when i got back from the shop

    Original Poster

    NFS;5537839

    Hopefully wouldnt lose my phone as more worried about damage and … Hopefully wouldnt lose my phone as more worried about damage and theftThink this company has been the best I have seen so far but in the same boat as you mate as didnt want to pay £10 a month to o2They threw the insurance on my contract in the shop even though I didnt want it they said they had to add it and you can cancel it but in other words the sales team get comission on the insurance sales so i cancelled the policy when i got back from the shop


    The only upper hand the insurance with o2 has is £25 excess. I'm tempted with them there.

    t0mm;5537994

    The only upper hand the insurance with o2 has is £25 excess. I'm tempted … The only upper hand the insurance with o2 has is £25 excess. I'm tempted with them there.



    Thats true, it's good if you need to claim but hope i dont require to claim on the insurance
    it's just the extra £4 a month more expensive the o2 insurance which doesnt sound expensive but over 18 months it adds up

    Talkcover 12 months insurance - £70o2 12 months insurance - £120



    Think I am walming to the talkcover insurance, not in a big rush as still got 3 months left to run on my N95 contract so wont be taking my iphone everywhere yet especially with no insurance

    Original Poster

    NFS;5538138

    Thats true, it's good if you need to claim but hope i dont require to … Thats true, it's good if you need to claim but hope i dont require to claim on the insuranceit's just the extra £4 a month more expensive the o2 insurance which doesnt sound expensive but over 18 months it adds upThink I am walming to the talkcover insurance, not in a big rush as still got 3 months left to run on my N95 contract so wont be taking my iphone everywhere yet especially with no insurance


    Can insure up to 6 months later with talkcover too.

    ive just gone with insurance2go for my 3G S. went for the £5.99 one minus the quidco. seems like a good deal for mobile insurance plus 3 months free as they say

    Original Poster

    mds1256;5543632

    ive just gone with insurance2go for my 3G S. went for the £5.99 one minus … ive just gone with insurance2go for my 3G S. went for the £5.99 one minus the quidco. seems like a good deal for mobile insurance plus 3 months free as they say


    Excess is£100 in the first three months.
    £75 for the rest. Kinda a rip off.

    t0mm;5543656

    Excess is£100 in the first three months.£75 for the rest. Kinda a rip off.



    find me one cheaper and reliable

    mds1256;5551290

    find me one cheaper and reliable



    talkcover.co.uk/
    £70 for 12 months insurance or £65 if using code from this site, their excess is less compared to insure2go on the chance that you make a claim on the handset

    Apparantly this company has been used by people on the MSE site and reccomend it

    Original Poster

    Get a current account from Lloyds TSB. I'm doing this tomorrow.

    ]http//ww…asp

    silver one.

    £30 excess too!

    ]http//ww…asp

    Thats what you get altogether for the £7.50.

    £3 for the first two months too.

    It's a no brainer if it includes AA breakdown and European travel insurance aswell.

    t0mm;5561398

    Get a current account from Lloyds TSB. I'm doing this … Get a current account from Lloyds TSB. I'm doing this tomorrow.]http://www.lloydstsb.com/current_acc...breakdown1.aspsilver one.£30 excess too!]http://www.lloydstsb.com/current_acc...nt_account.aspThats what you get altogether for the £7.50£3 for the first two months too.It's a no brainer if it includes AA breakdown and European travel insurance aswell.



    Did you get this in the end?

    Just had a look and ithe £7.50 per month after the 1st 2 months doesn't seem great as i'm already paying £10 and AA covered but i suppse the security of Lloyds (in terms of brand and high street presence anyways:whistling:) makes it a good deal.

    Do all banks do this? I'm with HBOS so and quite happy
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