o2: Accidental Damage insurance

Okay Well i was thinking, and still am of taking the £7.50 a month insurance out on monday with o2 for my N95..

Anyway.

Last night :whistling: I got a tiny, and im emphasising on tiny bit drunk.

Dropped my n95 and its really scratched. Does the accidental damage cover this damage if i say i 'just dropped it'

Or should i say 'i lost it'

37 Comments

Banned

it does not cover wear and tear of the phone :thumbsup:

Original Poster

Its not wear and tear though - its big chips out of the phone -.-

Banned

you said in your opening post it had got scrahched, that was what I was replying too

Original Poster

Noo i didnt put the '-.-' face at you:P If thats what your thinking- it was directed at myself.

Sorry if i offedned you, but yeah theres big chips out of it, do you know if its covered?

Banned

t0mm

Noo i didnt put the '-.-' face at you:P If thats what your thinking- it … Noo i didnt put the '-.-' face at you:P If thats what your thinking- it was directed at myself.Sorry if i offedned you, but yeah theres big chips out of it, do you know if its covered?


i dont even know what the signs mean so no offence taken, if you have dropped your phone and it is damaged (not cosmetic) then you are covered, not sure it covers wear and tear and cosmetic damage. what insurance are you taking out?

Original Poster

The expensive one that only has a £25 excess.

I was taking it out anyway

its cosmetic damage

Its really rough though, and hurts your fingers when you rub them over the scratchs- my fault for getting drunk really.

Might just say i lost it then donate the phone to the environment charity, or something:S.

Banned

not sure if this link will work

o2.co.uk/ass…pdf

I might be wrong but I don't think you are covered

What all the phrases meanThis glossary explains what all the phrases mean … What all the phrases meanThis glossary explains what all the phrases mean when used in this contract.DamagePhysical destruction or failure of YourEquipment due to external forces whichprevents it from working properly.


seems to imply that the phone must be unusable
There is also this

Exclusions11.Any Damage caused by a wilful act ofnegligence by You or … Exclusions11.Any Damage caused by a wilful act ofnegligence by You or another person withYour permission.


They could say that dropping it was negligence if they wanted to be awkward.

If you are going to say that you have lost it I would have a good read at the exclusions in sassie's link first.

brick the phone and give it back

Original Poster

I was thinking, if i explain to them HOW i dropped it [Was running and it was in my hand] do you reckon they'd say it was negligence I mean phones do fall out of hanbds.

t0mm

I was thinking, if i explain to them HOW i dropped it [Was running and it … I was thinking, if i explain to them HOW i dropped it [Was running and it was in my hand] do you reckon they'd say it was negligence I mean phones do fall out of hanbds.



I couldn't tell you as it depends on their interpretation though it does say willful negligence so that is in your favour.

I once left mine in my jeans pocket and then put them through the washing machine and they replaced it (this was vodaphone).

Banned

if the phone still works it will not be covered for scratches and dents etc, etc,

Original Poster

Would i be able to say every now and then the phone turns off randomly, or would they check it?

t0mm

I was thinking, if i explain to them HOW i dropped it [Was running and it … I was thinking, if i explain to them HOW i dropped it [Was running and it was in my hand] do you reckon they'd say it was negligence I mean phones do fall out of hanbds.



where do you live? give it to me and then say you got mugged youll get a new one

Banned

t0mm

Would i be able to say every now and then the phone turns off randomly, … Would i be able to say every now and then the phone turns off randomly, or would they check it?


t0mm have you read the link i posted?

forget it in ur jeans and put it in the washing machine.

t0mm

Would i be able to say every now and then the phone turns off randomly, … Would i be able to say every now and then the phone turns off randomly, or would they check it?



They would check it see if is repairable and then find it is working

Original Poster

I cant, everytime i go on it, it crashes sassie

Banned

t0mm

I cant, everytime i go on it, it crashes sassie


yes it did for me, but only on closing, well unless you phone them you aint going to know, i am 100% certain they will do nothing for cosmetic repairs

Original Poster

Are they open on sundays? if not ill ring tomrorow.

t0mm

I cant, everytime i go on it, it crashes sassie



It's fine in my browser

I,ve downloaded the pdf, if you want to PM me your email address I will email it to you

Banned

t0mm

Are they open on sundays? if not ill ring tomrorow.


jeeze t0mm you want me to come and cook ya tea :giggle:

Original Poster

If you wish sassie :giggle: sorry im a little bit lazy today.

Banned

t0mm

If you wish sassie :giggle: sorry im a little bit lazy today.


a little :giggle: :giggle:













good luck with whatever happens:thumbsup:

Original Poster

Even better, wanna ring up for me? :giggle: Il ring uip after college tomorrow,

t0mm

Even better, wanna ring up for me? :giggle: Il ring uip after college … Even better, wanna ring up for me? :giggle: Il ring uip after college tomorrow,



Yeah good luck from me too

Original Poster

Thanks - rep you both right now

Banned

t0mm

Even better, wanna ring up for me? :giggle: Il ring uip after college … Even better, wanna ring up for me? :giggle: Il ring uip after college tomorrow,


hey if i phoned up you would end up with 3 new phones, a new car, and a maid ;-)

sassie

hey if i phoned up you would end up with 3 new phones, a new car, and a … hey if i phoned up you would end up with 3 new phones, a new car, and a maid ;-)



Can I have just the maid please?

Original Poster

Well you can have the car and maid :giggle:

Banned

barneydog

Can I have just the maid please?


yeah, what time do you want me, ooops did i forget to mention that bit :giggle:

Original Poster

:giggle: Good luck Barney

t0mm

Well you can have the car and maid :giggle:



Ta, very generous of you

sassie

yeah, what time do you want me, ooops did i forget to mention that bit … yeah, what time do you want me, ooops did i forget to mention that bit :giggle:



Anytime of course!:giggle:

t0mm

its cosmetic damage :(Its really rough though, and hurts your fingers … its cosmetic damage :(Its really rough though, and hurts your fingers when you rub them .......



I know what you mean, once you have had it a week or so you seem to find all sorts of faults....shame i din't take some sort of insurance out at the begining but I suppose I am stuck with this model till the end of the contract :whistling:

tOmm what have I told you about getting drunk!
Getting drunk is only for us professionals!

Run you phone over with the car then when you fill in the claim form just put a group of lads were chasing you and you ran across the road and it fell out of your pocket and got run over.
Or go and rob the mockup N95 from the CPW ond put the case on yours!

Original Poster

Hmm reckon i could do the second one, not rob like, but buy a mock version.

Heck aparently i wanted to sleep in a trolley from somerfield in sherwood :\.
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