Natwest Mobile phone insurance delay after delay!

hoffmeister

I lost my phone on 26/04/10, phoned vodafone to cancel my sim and then reported my phone lost to natwest. They told me to fill in a form they will send me and send a proof of purchase of my phone, then on receipt of the form they will have an outcome of my claim within 5-10 working days. I sent my form and proof of purchase via 1st class recorded delivery on 29/04/10. I phoned them on 08/05/10 to see how my claim is going and they said that although they received my forms on 30/04/10 they didnt start processing them till 05/05/10, which I accepted as I can understand their backlog. Then on 11/05/10 I get a call saying that they need a proof of sim card cancellation (wasnt even told about to send in original call) and another proof of purchase with an IMEI number. I then sent that those further details the same day on 11/05/10 via email, the advisor gave the impression that it was in processing and once my email is received it will be a matter of crossing the t's and dotting the i's. I then made a call yesterday on 18/05/10, the day which it had been 10 working days since the 5th May, and they said that the investigation will take 10 working days since the 11th when I sent the email.

hoffmeister

Just phoned them again just there and said I have to wait 5-10 working days from the 11th May! :mad:

simax

Which is one of the reasons why you should always get your mobile insurance direct from the network.

I was thinking of upgrading to LTSB Silver when I got my iPhone for the insurance, but decided instead to get O2's £15/month policy.

Yes I know it's almost double the cost monthly, but the excess is lower and they take the claim over the phone and send a brand new replacement within 24 hours. No paperwork.

Well worth the extra money.

BigAndy_79

£15 a month for insurance ?! Mental. I just make sure my phone, keys and wallet are safe in my pocket each time I go or leave somewhere. 15 quid is crazy beans, imo !!

jonesMUFCforever

Putting £15 per month in a savings account would soon build up to pay for a new phone rather than pay that insurance?

simax

BigAndy_79 wrote: »

£15 a month for insurance ?! Mental. I just make sure my phone, keys and wallet are safe in my pocket each time I go or leave somewhere. 15 quid is crazy beans, imo !!

Phones can get damaged in pockets, and also stolen you know?

I'd rather pay £15 to O2 than pay £8 a month to LTSB, when I know for a fact you have to wait for paperwork, fill it out, send a load of guff back with it, pay a hefty excess and then wait 3-4 weeks in total for a replacement. (As perfectly demonstrated in the first post)

With O2, there's no paperwork (telephone claim). Smaller excess and brand new phone couriered next day. Job done.

Normally I wouldn't bother with insurance, but iPhone 3GS 32GB's don't come cheap!!

hoffmeister

I will take out insurance with my network provider next time. Natwest mobile phone insurance is very amateur! I would not reccomend it to anybody!

I feel like I will never ever get my phone back at the rate things are going.

simax

jonesMUFCforever wrote: »

Putting £15 per month in a savings account would soon build up to pay for a new phone rather than pay that insurance?

Say you have your phone nicked after 3 months - I don't think £45 would buy a new iPhone 32GB 3GS.... :rotfl:

hoffmeister

Anyone have any advice as to what I can do about my situation? This could just go on forever and I feel powerless.

pmduk

If you're satisfied that your claim is fully covered by the policy, then write and complain, giving them 7 days notice that you will commence legal action in the county court.

hoffmeister

pmduk wrote: »

If you're satisfied that your claim is fully covered by the policy, then write and complain, giving them 7 days notice that you will commence legal action in the county court.

Thanks, I think I will threaten that when I call them tomorrow. They gave a timescale of upto 10 days, so far its 21 days and counting.