mobile phone insurance

Debt_Denier · 20 August 2017 at 7:31PM

my son who is at secondary school has an iphone which he bought with with his own money from a reseller as a refurbished unlocked phone. I had to make the actual purchase but he gave me the money
He is named on my phone bill and shares my data and I pay that bill every month and that is working well. I have been trying to figure out how to insure it for him. He would be heartbroken to lose it as it cost him a lot of money. I have looked at standalone insurance/packaged bank accounts but they all have limits on how soon after purchase you need to register the phone for the insurance. I purchased the phone on his behalf in June but as it was not new then can I give that at the purchase date or do they mean the first use date. I don't how old the phone is.

Blibble · 20 August 2017 at 9:46PM

Make sure whatever policy you take out covers all refurbs, as a lot of gadget policies exclude this

Whatever policy you take out (if gadget) will also require proof of ownership, so get thinking about a copy of the original receipt if possible.

Debenhams Gadget insurance (I think) should cover both the above - http://docs.debenhamsgadgetinsurance.com/documents/Debenhams_DEPRE-SA201701R8.pdf. Obviously this isn't a personal recommendation etc., just one which may be suitable for your situation. Have a gander yourself and see what there is.

Debt_Denier · 22 August 2017 at 12:06PM

I have the receipt and can get the IMEI numbers or whatever they are called

Debt_Denier · 22 August 2017 at 12:10PM

Just looked at those and you have to be over 16. But thanks for the suggestion

wongataa · 22 August 2017 at 12:53PM

Can you not add the phone to your contents insurance?

Debt_Denier · 22 August 2017 at 3:16PM

I would prefer not to as the excess is £100 (the phone cost 365) and it would affect my premium for the next heavens knows how many years if he does lose the phone,

Blibble · 22 August 2017 at 6:47PM

Is self-insurance an option? I.e., rather than paying £5.99 p/m for however many months (or whatever figure it ends up being) could you not put that money away and put it towards a replacement refurbished handset when any issues finally arise?

Debt_Denier · 23 August 2017 at 3:59PM

that might be good and then if he doesn't lose it he could have the money. That might incentivise him to look after the phone,

forgotmyname · 23 August 2017 at 6:07PM

I agree. Dont bother insuring. An incentive not to lose it or break it.

A picture of a cheap £20 phone from a supermarket may also help push that message across. If you break/lose it then thats what your getting as a replacement.

Cheaper than insurance.

mbem · 4 September 2017 at 1:28PM

I am currently trying to get them to replace my daughter's Iphone which was stolen. I have provided everything but they wont pay out. the issues are proof of purchase (it was a gift) and proof of black listing, it was a sim only contract so Vodafone say they cant black list it and go to Apple. Apple say go to Vodafone. I am having no luck. Went with Debenhams because it was a trusted name but they use Taurus Insurance who are awful (look at trust pilot). I'd steer clear of Debenhams gadget Insurance if I were you, I wish I had.

Blibble · 4 September 2017 at 5:19PM

Vodafone are the ones who need to blacklist the handset and are notoriously naff. They need to log your handset's IMEI on the Central Equipment Identity Register, which is a database full of lost / stolen mobiles. As long as you can reasonably prove to Vodafone you own that IMEI (and are therefore not blacklisting a randomer's handset) then they have an obligation to do this.

What does your policy say about gifted purchases?

mobile phone insurance

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