Mobile Phone Insurance - Halifax Ultimate Rewards

djgandy

Wow this thread still going!

I canned my ultimate reward account a long time back. Halifax keep trying to re-sell it to me (on both my current accounts may i add!) and I tell them where to shove it. It was initially a good deal as interest payments were £5 and the account was £7.50 or something. Nowadays they want £15 for a load of rubbish.

It does seem you have to lose the phone to actually get a working replacement too.

None of the crap you get with bank reward accounts is worth the £15/m. If you are going travelling buy travel insurance. If you want breakdown cover, you can get the level they offer for about £30. If you want phone insurance, save £10 a month and put it in the rainy day fund. Also buy a cover so when you drop it it doesn't break. Don't use it in the bath either, you are asking for trouble by doing that.

dacouch

djgandy wrote: »

None of the crap you get with bank reward accounts is worth the £15/m. If you are going travelling buy travel insurance. If you want breakdown cover, you can get the level they offer for about £30. If you want phone insurance, save £10 a month and put it in the rainy day fund. Also buy a cover so when you drop it it doesn't break. Don't use it in the bath either, you are asking for trouble by doing that.

Which is a less p.c version of what MSE Martin says about most fee bank accounts.

Interestingly Lloyd's are going to stop selling fee paying accounts to customers after many complaints and possibly having to refund many customers. Instead they will allow the customer to opt in at the branch or on line.

The beauty of not selling it for Lloyd's is if a customer choses to opt in, they cannot complain about miss selling as it was their decision

karlz_120

dcimanager wrote: »

I've just done exactly the same thing. I was told I did need proof of purchase. I didn't have this but they said I could phone by operator and ask for a proof of usage letter. I'm with O2 and they knew exactly what I meant and received a letter a couple of days later confirming that mobile phone (model) with (IMEI) has been in use by (mobile number) since (date of activation). So far, all well but still waiting for replacement phone.

Hi i am in a similar situation i have been asked for proof of purchase and i am being sent out my proof of usage but the contract is in my dads name so how will that work. i use the phone i always have