Dropped my bold down the stairs...is it actually worth claiming on insurance?

silverstar189

As above, I've just dropped my bold down the stairs...clumsy i know, but i've had the phone since last september and this is the first time. the trackball won't scroll up, the battery cover is knackered and won't stay on etc.

ok, i've not been the sharpest tool in the shed and i've been paying 6 odd pounds a month for insurance.....with phones4u. i know

i have expensive camera gear that i have insured, and i'm not so much worried about the phone (my contract is up in about 90 days anyway). i'm more bothered about having a claim on record against me and it pushing up my premium on my camera gear. am i better off just putting my sim in another phone? from what i've read here it sounds like phones4u will just say the moisture detectors gone off even if it hasn't, just to deny the claim...

t_mob_insider2

If you want you can pay me £6pm for the next few years if you are never going to claim when something break it.

Is you camera gear though Phones4U? If who is it with? Because usually items like this have a set price for insuring. Insurance with t-mobile is the same cost each month no matter how many times you claim. Its the cost of the handset that determins the price per month. The only thing that does increase is the excess usually £25 1st claim, £50 second claim, then £75 afterwords for every other claim within the year. This applies if your paying the £6.99 insurance.

Sorry, this is away of track from your question but just giving you an example.

I would put the claim in to get back you have been paying for - thats what its there for, upgrade due or not.

silverstar189

my camera insurance is insured with a seperate company. My main concern is that when i go to renew my camera insurance, that i'll have to answer that i've had an insurance claim on the form and that'll affect my policy. that's my main concern. my camera insurance is for about 8k's worth of gear and about £30 per month, and i don't want it to go up.