Mobile Phone insurance

wheresdave

At the weekend I managed to lose my phone at a summer ball in a marquee at a hotel. I've been insured for years through the mobile company. I phoned them up with a crime number and instead of saying I'd been a drunken fool and losing face, I said the phone had been taken out of my jacket pocket while I had been dancing. Yes I know I shouldn't have lied and It sbitten me where it hurts now!! Because I had left my phone unattended in a public place (at a private event all the same) my claim was denied! I found out from a friend that if I'd had said I just lost it somehow then it would hhave been fine and the claim gone ahead.

Has anyone any idea how I can go back and somehow get my much needed insurance?
Thanks for your help....a very embarrassed Dave!

dacouch

HAve a word with your home insurers as it may be covered on there and they tend not to have a restriction on a mobile being in your jacket unattended.

Stop wasting £80 a year on mobile phone insurance and if its not already covered by your home insurance get it covered under your home insurance which will cost about £25 a year and normally offers better cover.

wheresdave

Just checked, home insurance doesn't cover it.

winner3131

Just to add a further question to this thread on a similar theme. I'm getting a new iphone tomorrow and it will be covered under our home insurance. They won't however cover the cost of calls. Considering I get 600 minutes a month and 500 texts how important is the call cover going to be. Surely if the phone is lost i'd know pretty soon after the fact and can just phone O2 up to cancel the sim, thus stopping any further calls being made, and then get the insurance to replace the phone. Am I being a bit naive or missing something. How important is call cover?

dacouch

As you have discovered your home insurance covers the cost of replacing the actual phone but not any consequential losses eg calls being used by the thief.

If you lose your phone you can ring O2 up and they will stop calls from just after you ring.

To avoid expensive calls being made on your phone in between the time you lose your phone and ring 02 you could ask 02 to put a bar on your phone for international calls and premium rate numbers and / or you could put a pin number on your phone so you need to enter a pin number to use it or make certain calls.

When someone steals / finds a phone they don't want to give back they often switch it off so the owner can't ring it and find who has it by the phone ringing.

Home Insurance normally offers wider cover for the actual handset than the cover the mobile phone companies sell as this poster has found, if its not on your person when it is stolen its not covered. A home insurance would often pay out in the OPs case.