lost phone

biglou

wife recently got a expencive mobile phone on contract for son,on t mobile,been a tmobile customer for years,and got insuance out on it,after 2 weeks he lost it,then she got the phone blocked,rang insurance up to get a replacement phone only to be told that becouse he is not down as a main user the insurance is void,was told after ordering phone she should of stayed on line to listen to the term and conditions,surly this is not right,have not receaved anything through post,your thoughts please:(

neilmcl

Sounds right to me, the contract, and subsequently the insurance, is in her name therefore if someone else loses the phone it wouldn't be covered. Maybe you could try looking at your home insurance to see if you got any cover via that.

RadoJo

Having literally just come off the phone from taking out an insurance policy, I can confirm that I was offered the opportunity to listen to a full list of terms and conditions on the phone and when I refused (as I want to read them all when my policy comes) I was asked to confirm that I would take responsibility for reading through them myself.

As such, I would say that unless the terms of your policy specifically allow claims to be made for a third party losing the phone, then you are on a hiding to nothing. Insurance companies are generally very well covered for this kind of thing as otherwise they would be paying out on claims left, right and centre, so I wouldn't have thought you'd have any recourse with them unless your wife was specifically told that you would be covered for your son losing it, and even the you'd have to prove it.

bribri_2

Have a look at the OFT website on distance selling regulationshttp://www.oft.gov.uk/shared_oft/business_leaflets/general/oft698.pdf

in particular Para 3.10 Page 14 which states that contractural information on the phone must also be given in a durable (e.g. written) form as well.

I am unsure, however, whether insurance is classed as a financial service as this document also states that "

Contracts relating to financial services to consumers. However,
these services are likely to be subject to the information giving and
cancellation provisions contained in the Financial Services (Distance
Marketing) Regulations 2004 (SI: 2095 2004) (FSDMR) and, where

relevant, the Consumer Credit Act 1974 (CCA)."

property.advert

A bit like pretending that you are the main driver of your 17 year old son's car. You tried to fiddle it and got caught. Tough.

stugib

property.advert wrote: »

A bit like pretending that you are the main driver of your 17 year old son's car. You tried to fiddle it and got caught. Tough.

Not really. Any phone insurance I've seen is a flat rate and not priced according to risk. Unless there's clauses about under 18s etc it would've been the same price and policy regardless of whether the OP or her child were the policyholder.

biglou

quick word,lads 20 was a birthday present

alliballi

Hi I got insurance with T Mobile for 2 phones both in my name they said I could call insurance up and put another person on to insurance who would be fully covered, pity your wife didnt say it was her phone