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  • FIRST POST
    xnetco
    iPhone and Carphone Warehouse Insurance Scam
    • #1
    • 10th Nov 07, 9:20 PM
    iPhone and Carphone Warehouse Insurance Scam 10th Nov 07 at 9:20 PM
    Hello.

    I'm not sure if anyone has posted on here but just a warning. I went to purchase an iPhone yesterday from CPW (Carphone Warehouse), I was told I couldn't buy the phone without purchasing the insurance for a minimum of 3 months. The insurance is basically 90 quid, 30 a month!

    I'm sure this is illegal but a warning to all those going to buy an iPhone from CPW. As far as I'm aware the AppleStore and O2 stores don't force you to buy insurance.

    Tim
Page 1
    • alnsv1000s
    • By alnsv1000s 11th Nov 07, 12:21 AM
    • 374 Posts
    • 112 Thanks
    alnsv1000s
    • #2
    • 11th Nov 07, 12:21 AM
    • #2
    • 11th Nov 07, 12:21 AM
    02 charge £7.50 a month for their insurance witha £25 excess.
    http://www.o2.co.uk/iphone/insurance

    I would buy from 02 shops rather than CPW as 02 give 14 days return wheras CPW give 7 days with stringent T's and C's

    Can I return the iPhone?

    We'll be happy to give you a refund for the iPhone if:
    • If you return your iPhone with all contents (accessories, manuals, etc) and packaging undamaged with a valid till receipt or other proof of purchase to a Carphone Warehouse store within 7 working days from the date you received your iPhone*. A refund will only be provided if you have not used the iPhone. Use of the iPhone signifies acceptance of your iPhone. Use would include, but would not be limited to connecting to the O2 network or using any of the functions of the iPhone (e.g. amending settings, saving any data (including music), adding a contact or appointment, taking a photograph or using an application). If you use your iPhone before or after notifying us of your wish to cancel, you will be responsible for all charges incurred under your O2 airtime contract and these may not be refunded.
    I enquired in a CPW last week as to what would happen if you didnt pass the 02 credit check. I was told that I would then have an Iphone that cannot make calls.
  • stacey21
    • #3
    • 11th Nov 07, 12:48 AM
    • #3
    • 11th Nov 07, 12:48 AM
    The CPW returns policy is being looked at at the moment..(with a view to being changed)
    • alnsv1000s
    • By alnsv1000s 11th Nov 07, 12:54 AM
    • 374 Posts
    • 112 Thanks
    alnsv1000s
    • #4
    • 11th Nov 07, 12:54 AM
    • #4
    • 11th Nov 07, 12:54 AM
    Did they not know that they were getting the IPhone in advance and have a proper policy in place?
  • stacey21
    • #5
    • 11th Nov 07, 1:01 AM
    • #5
    • 11th Nov 07, 1:01 AM
    I don't know?? lol all I know is we had notification they are looking into it to change it,..
    • alnsv1000s
    • By alnsv1000s 11th Nov 07, 1:15 AM
    • 374 Posts
    • 112 Thanks
    alnsv1000s
    • #6
    • 11th Nov 07, 1:15 AM
    • #6
    • 11th Nov 07, 1:15 AM
    I don't know?? lol all I know is we had notification they are looking into it to change it,..
    Originally posted by stacey21

    Good Ole CPW.
  • xnetco
    • #7
    • 11th Nov 07, 10:28 AM
    • #7
    • 11th Nov 07, 10:28 AM
    I agree, the CPW insurance is a total ripoff. Do you know which agency I should report them to for misselling?
  • DJ1UK
    • #8
    • 11th Nov 07, 12:42 PM
    • #8
    • 11th Nov 07, 12:42 PM
    Ofcom now has the responsibility of regulating the mobile phone industry;

    http://www.ofcom.org.uk/

    or Advertising Standards

    http://www.asa.org.uk/asa/

    Regards.
    • thesaint
    • By thesaint 11th Nov 07, 12:55 PM
    • 4,256 Posts
    • 2,194 Thanks
    thesaint
    • #9
    • 11th Nov 07, 12:55 PM
    • #9
    • 11th Nov 07, 12:55 PM
    Anyone buying one deserves it.

    Simply cancel the direct debit(If it is a DD) you have a cooling off period.
    Well life is harsh, hug me don't reject me.
    • custardy
    • By custardy 11th Nov 07, 1:31 PM
    • 32,096 Posts
    • 26,853 Thanks
    custardy
    sorry but i dont see how any phone insurance would be £30/month
    where did you get figures?
    was it a tarrif with insurance included?
    • alnsv1000s
    • By alnsv1000s 11th Nov 07, 3:47 PM
    • 374 Posts
    • 112 Thanks
    alnsv1000s
    sorry but i dont see how any phone insurance would be 30/month
    where did you get figures?
    was it a tarrif with insurance included?
    Originally posted by custardy
    I bet you it worked out 90 for 18 months and the first 3 months were free working out at 5.99 per month for 15 months. Probably another case of a forum member misunderstanding the offer, and then making public accusations of a scam.

    Maybe companies should start looking at this forum and its many slanderous
    (1. Law Oral communication of false statements injurious to a person's reputation. 2. A false and malicious statement or report about someone.)comments and issuing legal proceedings.

    It works both way's.
    Last edited by alnsv1000s; 11-11-2007 at 3:55 PM.
    • digp
    • By digp 11th Nov 07, 3:56 PM
    • 1,958 Posts
    • 298 Thanks
    digp
    i would hope that cpw have more important things to do then suing people for posts on this sight.

    for what its worth, i think cpw are muppets.
    • alnsv1000s
    • By alnsv1000s 11th Nov 07, 4:35 PM
    • 374 Posts
    • 112 Thanks
    alnsv1000s
    I agree digp, so do I.

    They do like giving out a lot of misinformation to suit thier latest targets.
    • mobilejunkie
    • By mobilejunkie 11th Nov 07, 4:42 PM
    • 7,289 Posts
    • 2,236 Thanks
    mobilejunkie
    I suspect cpw will be too busy defending claims soon rather than instigating them.
  • klonky
    Iphone insurance
    I called Ofcom about Carphone Warehouse telling me that should I lose or damage my iphone I will not be able to buy another iphone off the shelf and use it on my contract, but that I will have to pay the original 18 month contract and take out a SECOND contract UNLESS I HAVE INSURANCE.

    Ofcom told me that it was a commercial decision and that they have every right to do this (Bizarre and unfair as it may seem)
    They say I would be able to get my sim back and use it on any other phone I might have but that anther iphone could be locked to its contract.

    In oother words make sure you have insurance that covers the payment of your contract etc.
  • klonky
    further to my previous post
    just contacted o2 who told me that they WOULD transfer your number on to a new iphone if it was lost or stolen!!!!!

    Everyone seems to have a different answer
  • fatgadget
    Hi Everyone

    I can clarify the situation with the iPhone and insurance, and what the Carphone Warehouse are up to as I have done considerable research into this as I run a Gadgets & Technology News website.

    The Carphone Warehouse policy costs about £40 per month every quarter.

    The O2 policy costs £7.50 per month, which works out at £22.50 per quarter.

    It is also possible to get stand alone insurance from many other companies from around £5 per month.

    You could also consider including it on your house insurance (although this will not cover calls made by someone else if it is stolen).

    O2 have confirmed that the cost of a replacement handset, if it be lost or stolen (i.e. a sim free handset) is £490, quite a bit more than the £269 purchase price.

    I purchased my iPhone on the launch day and I was informed by the salesman that O2 did not do insurance for the iPhone and if I lost it or it was stolen, I would have to buy a new phone, take out a new contract and continue to pay the remainder of the existing contract.

    Salesman at the Carphone Warehouse are basically lying to people and trying to scare them into buying their overpriced insurance.

    I have received a number of emails from some of my readers who have had a similar experience, and this has been reported on a number of Apple forums as well.

    Here is an article on my website I have written about their underhand tactics (I hope you don't mind me including it, but we want to let as many people know what they are up to).

    Carphone Warehouse Article

    Please note the opinions and views expressed in this post are my own personal views and are no way endorsed or supported by moneysavingexpert.com.
    Last edited by fatgadget; 13-11-2007 at 1:36 AM.
  • MrRincewind
    Hi Everyone

    I can clarify the situation with the iPhone and insurance, and what the Carphone Warehouse are up to as I have done considerable research into this as I run a Gadgets & Technology News website.

    The Carphone Warehouse policy costs about £40 per month every quarter.

    The O2 policy costs £7.50 per month, which works out at £22.50 per quarter.

    It is also possible to get stand alone insurance from many other companies from around £5 per month.

    You could also consider including it on your house insurance (although this will not cover calls made by someone else if it is stolen).

    O2 have confirmed that the cost of a replacement handset, if it be lost or stolen (i.e. a sim free handset) is £490, quite a bit more than the £269 purchase price.

    I purchased my iPhone on the launch day and I was informed by the salesman that O2 did not do insurance for the iPhone and if I lost it or it was stolen, I would have to buy a new phone, take out a new contract and continue to pay the remainder of the existing contract.

    Salesman at the Carphone Warehouse are basically lying to people and trying to scare them into buying their overpriced insurance.

    I have received a number of emails from some of my readers who have had a similar experience, and this has been reported on a number of Apple forums as well.

    Here is an article on my website I have written about their underhand tactics (I hope you don't mind me including it, but we want to let as many people know what they are up to).

    Carphone Warehouse Article

    Please note the opinions and views expressed in this post are my own personal views and are no way endorsed or supported by moneysavingexpert.com.
    Originally posted by fatgadget
    think you must have your figures wrong on the section i have highlighted, By your figures that would be £120 a quarter, more than most of the tariffs for the Iphone,where did you get the numbers from for this calculation

    Also not sure why you say they are misadvising people in recommending the insurance, the phone is extremely expensive to replace and if people are being advises of their options at point of sale, then people will again be complaining about that, I`m aware the earn commision on products sold but people still need to be made aware of all options as alot of people like to be covered,
    • mcmanlyn
    • By mcmanlyn 13th Nov 07, 5:02 PM
    • 414 Posts
    • 420 Thanks
    mcmanlyn
    If you buy online from CPW you can choose to remove the insurance - if that helps you
    Wondering how to have a life & not rack up more debts...
  • fatgadget
    think you must have your figures wrong on the section i have highlighted, By your figures that would be 120 a quarter, more than most of the tariffs for the Iphone,where did you get the numbers from for this calculation

    Also not sure why you say they are misadvising people in recommending the insurance, the phone is extremely expensive to replace and if people are being advises of their options at point of sale, then people will again be complaining about that, I`m aware the earn commision on products sold but people still need to be made aware of all options as alot of people like to be covered,
    Originally posted by MrRincewind
    My apologies, there was a typo in my original post, it should read 40 per quarter.

    If you mean that telling people that they can only buy iPhone insurance from the CPW and that if they loose their phone they will have to take out a new contract and continue to pay the existing one, is giving people options ?

    What they told me, and numerous other people was incorrect and a blatent atempt to sell their insurance, I said no to it 3 times, each time the salesman came up with another untrue reason why I should have it.

    These were not the actions of an honest trustworthy salesman, trying to help me with my purchase.
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