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Mobile Phone Insurance

5 replies
Found 21st Aug 2007
Morning all, Does anyone know of the best place to get mobile phone insurance, Im fed up of being ripped off!

6 Comments

Some Current Accounts / Credit Cards give this as a Freebie.. I know Natwest Advantage Gold does this.

Majority C/A's don't afaik.

Check your household contentsinsurance see if it's part of it or if its an affordable extra.

Also your network should offer it for about £5/month

Original Poster

Thanks, Im going to check out O2 see if they do it.. my current acc doesnt cover it, not sure on contents insurance.. Ive cancelled carphonewharehouse insurance as its a massive rip off, but im eager to find some cover pretty soon, so thanks!

karmakaren

Thanks, Im going to check out O2 see if they do it.. my current acc … Thanks, Im going to check out O2 see if they do it.. my current acc doesnt cover it, not sure on contents insurance.. Ive cancelled carphonewharehouse insurance as its a massive rip off, but im eager to find some cover pretty soon, so thanks!



Karen I'd like to warn you of the excess on the mobile contracts as it's a real pain.

Orange currently charge: £15 "administration fee" to process an insurance claim.

Vodafone currently charge: £25 "administration fee" to process an insurance claim.

This is of course on top of the monthly premium.
Also if your phone develops a "fault" in the first 12 months of the insurance they will advise you (from my experiences) to claim on the manufacturers warranty. This normally involves you getting a replacement from a shop, and these replacmeents are often refurbished.

Basically I'd try and stay clear of the mobile providers "deals" and check out private insurers. But don't forget these will be subject to an excess.

Hope that helps,

Shimagoza

Original Poster

shimagoza

Karen I'd like to warn you of the excess on the mobile contracts as it's … Karen I'd like to warn you of the excess on the mobile contracts as it's a real pain.Orange currently charge: £15 "administration fee" to process an insurance claim.Vodafone currently charge: £25 "administration fee" to process an insurance claim.This is of course on top of the monthly premium.Also if your phone develops a "fault" in the first 12 months of the insurance they will advise you (from my experiences) to claim on the manufacturers warranty. This normally involves you getting a replacement from a shop, and these replacmeents are often refurbished.Basically I'd try and stay clear of the mobile providers "deals" and check out private insurers. But don't forget these will be subject to an excess.Hope that helps,Shimagoza




Thanks for the info.. what do you think is a reasonable abount to pay each month? ive found a site doing £2.49 a month, but now i think it could be too cheap and not worth it in the long run.

Good question?
But really it depends on the value of your phone.
If it's expensive then you'll need the insurance but if it's under £60 then you could just replace it for potentially less money and inconveniance.
Buying a new phone means you get all new accessories, and a new manufacturers warranty. So this has it's benefits.

I have just bought the N95 so I have to have some sort insurance just in case I get robbed or I drop it.
It's your call, but maybe try alculating what the insurance will "really" cost you:

£5 (with orange and vodafone) per month x (times) 12 months = £60
Then add £15 (say) for administration charge and that = £75.

AND you will only get a new phone if it is stolen really, otherwise they're going to give you a refurbished phone. And they will ONLY replace the phone, not the accessories. So you'd be without the memory card, usb cables, headphones, etc.

Phew, thats all I've got for now.... need beer

Shimagzoa
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