Phone Insurance

[Lead_Head]

Anyone recommend a company to go with?

I've got a nice D500 in Black and wish to protect it against theft, accidental damage, loss and malicious use.

Cheers,
Nick

[autopilot]

Get decent home contents insurance. Mobile insurance is mostly a rip off. For example, i was offered o2's insurance at £10 per month and £25 excess for my £200 phone. My £10 a month home insurance covers me for £30,0000 and £1500 away from home, accidental damage loss and thieft. Do the maths, even with a £50 excess I can make nearly 3 claims for a new phone each year and it's still cheaper.

[Lead_Head]

Originally Posted by dangerous_dom

Get decent home contents insurance. Mobile insurance is mostly a rip off. For example, i was offered o2's insurance at £10 per month and £25 excess for my £200 phone. My £10 a month home insurance covers me for £30,0000 and £1500 away from home, accidental damage loss and thieft. Do the maths, even with a £50 excess I can make nearly 3 claims for a new phone each year and it's still cheaper.

Good advice, I'll check it out

[MD]

only thing I would say about that is that your house insurance premums will go up if you clim yet mobile insurance is a fixed rate, when you factor in the maths on that it may not be better to go with household insurance...

m@

[autopilot]

Originally Posted by visidigi

only thing I would say about that is that your house insurance premums will go up if you clim yet mobile insurance is a fixed rate, when you factor in the maths on that it may not be better to go with household insurance...

m@

A good point, so make sure you find out how the insurance company deals with mobiles. Most are quite good and my claims have not effected my premiums at all (although I have lost my no claims bonus, but im not really bothered about that - it would only save me about £1-2 a month after not claiming for 4 years anyway!). Most companies will be the same as mine (Barclays insurance).