phone insurance...whats the flippin' point?

[smtkr]

One of my friends does the insurance thing here and tells them he lost his phone every year. They have to give him an equivalent model or better each time he does this, so you always has the most expensive phone. It pays off for him.

[Apex]

ahh see you dont get that problem with 02

Wana bet...more like the the whole system goes down and nothing can be done....

[shelley bda]

ahh see you dont get that problem with 02

But 02 coverage is crap 'round our way, so i'd rather have a dodgy website ( it's working great now and a phone that i can actually ring out on

[Kumagoro]

I think you should check if your credit card insurance covers it. Someone i know had there
one replaced by their credit card company when it broke and they got a new one. I think
they got that samsung slidey one you know the black one.

[herulach]

If its a manufacturing fault they are legally obliged to fix it/replace the phone during 'a reasonable period' which for me would be about the length of the contract, since thats the minimum expected life of the phone.

[Apex]

You will actually find it's only the first 6 months

[neonplanet40]

i pay £5 a month extra on my o2 contract for insurance but i havent had to use it yet to see what its like.

Neo

[chicken]

i pay £5 a month extra on my o2 contract for insurance but i havent had to sue it yet to see what its like.

Freudian slip?

[EvilMunky]

Have to say the last time i actually bothered with phone insurance was when i was with orange about 4 years ago. I broke my phone whilst away working in edinburgh in the middle of now where. They couriered me one up the next morning and met me in the middle of no where to hand it over to me. Nice server.

Now i just dont bother............

[autopilot]

Phone insurance is a rip off, everyone should realise that. Get good home insurance which wont cost you extra for a mobil phone. I have worked out that my home insurance (£13 a month) would still cost me less than your typical mobile insurance, even if i claimed 3-4 times a year.

[[GSV]Trig]

Dont get me started on phone insurance, I've always had it since my 1st phone yeeeears ago, never used it until I lost my P910, double checked I hadnt packed it away in a different bag (had been on a camping weekend) reported it to the police, got a crime number, then o2 insurance said they wouldnt cover it on my insurance due to the fact that I said it had been lost on the Sunday yet I didnt report it until the Tuesday this was due to me double cheching that it had been lost and that someone near me hadnt picked it up.

I sent them a few emails and they said they wouldnt cover it, I sent them another email explaining the situation but heard nothing, I rang them up and they said no, not covered, explained the situ to the guy on the phone n he said nothing he could do about it, I sent them another email and heard nothing back, a while passed and as I hadnt heard anything I thought f00k it and rang them again, the guy within about 10 seconds said yeah the descisions been overturned your new phone will be with you 2moro.

Now that to me says that they'll sit on your new phone until you contact or chase them, wonder how many people keep chasing things like this and how much money the companies make from not giving people phones even when the insurance rules in there favour but they dont chase the insurance companies..

Needless to say my next phones not going to be insured and if I loose it I'll just use my old 7250i until I get a new one on contract...

[Norky]

Anyone had any experience with Carphone warehouse insurance, rather than network specific insurance?

[Atomic]

CPWH insurance has been fine for me.

Ive claimed twice and got a new phone within a week both times.

[J4MES]

Orange 'Care' usually don't charge the 'admin' fee for replacing a lost/stolen/damaged phone... but they apparently have the right too - IT'S IN TEH SMALL PRINT

I've had 5 phones during this year's contract (Nokia 6230), only one of which broke - the other three were faulty... after the first 2 replacements, they started charging their 'admin' fee. Very angry I was. Especially as one replacement arrived on my doorstep already faulty - it was a refurb unit (again, in the smallprint)... and I managed to copy my entire phonebook from the sim to the phone, not vice versa