Iphone Mobile Insurance

Christina1982

Hi
I know there is info on mobile insurance which I have read but I'm still a bit unsure!
What insurance does everyone use for Iphones, and does anyone have any experience? I don't want to use my home insurance as its in my Dad's name and don't think it would be covered would rather have my own.
Has anyone had any experience with RBS royalties insurance.
Any experience would be received greatly.
Many thanks

Christina1982

Just incase any one else is wondeirng about the mobile insurance that rbs offers I have just contacted them
The claims can take anything between 2weeks to 3 months for the claims to be processed, for the iphone4 it is likely that you would get the cash value of the handset but they do try and get the same handset for you.
WIll keep looking and will post info when I get it

drbesty

I've got mine through my Lloyds TSB bank account, £6.95 per month and they day I'd have a new phone in 3 working days if I ever need to claim

Christina1982

Thanks, I don't have a Lloyds account
Read reviews about insurance2go mobile insurance and it sounds the best but if I'm going to get an iphone i think i might just go the whole hog and get insuranc thru vodafone

Oscar_The_Grouch

Christina, if you live with your Dad, your items are insured as part of his policy. If you were ever to make a claim through a mobile phone insurance, they would immediately get in touch with the company that insures your dad and ask them to make a contribution towards the cost. If 2 or more firms provide cover, it's called "dual insurance" and they each pay a proportion of the claim.

So what I'm trying to say is that unless you are SURE your Dad's policy will not cover the claim, DON'T WASTE YOUR MONEY!!

Christina1982

Oscar - I don't think it does I'll ask him to ask.
In the last 9 yrs I've lost 2 handsets, one fell outta my car another outta my bag both were replaced quickly thru orange care never thought about home insurace when that happened!!

THI

drbesty wrote: »

I've got mine through my Lloyds TSB bank account, £6.95 per month and they day I'd have a new phone in 3 working days if I ever need to claim

Mmnnn! I'm not best pleased with Lloyds Mobile Insurance. I dropped my iphone from my pocket while riding a horse, and watched it bounce down the tarmac! :-( First they had to send me a form, which I filled in with proof of purchase and sent back to have 'claim' approved. Then, once had written to me to approved the claim, I had to send off phone with £30 excess for repair / replacement. Got it back yesterday after 3 and a half weeks only to find that the rear casing was still bashed in and cracked, and more so than when I sent it them (??) although the front had been replaced and it was working! So a phone call later and Lloyds are sending me a freepost speacial delivery envelope so I can send it off again! They promise me a 3 day turn around this time but I remain cynical and unhappy. You get so used to having email at your fingertips!

Not exactly what I had expected in terms of timings and service ....!

Christina1982

Found out house insurance does cover iphone4 £50 excess don't know if I should risk it or not, would the house insurance cover it if the phone went faulty in its 2nd year (not covered by apple)

Elmly

if its contract try contacting your network and see what they offer

Ten98

In all cases you should not buy specific mobile insurance.

Just get Personal Possession insurance, which covers phones, added to your home contents insurance if you don't have it already. Typical cost is about £60, which is less than you'll pay for any mobile specific mobile phone insurance.

If you don't already have home contents insurance then it's about time you seriously consider it.

For me, full home contents insurance including £3000 personal posessions insurance came out to about £140 a year, which is £30 a year less than iPhone insurance, and covers my iPhone. It's a real no-brainer.

Nothing will cover you for a faulty phone in the 2nd year, that's just a risk you take when buying any electronic product.

bingy_burge

I have just finished claiming on lloyds tsb phone insurance.

You have two options as far as I can tell!

1) You take network insurance for peace of mind and pay £12-15 o2 and orange pricing. This way you have a refurbished handset in your hand 24 hrs after claiming.

2) Banks insurance is alot more cost effective but they are all time consuming and can be a painful process.


Lloyds charged me £30 excess I had to pay £5.50 twice to send the phone to them. They take up to 10 working days to process anything (Apart from to take your 30 quid that happened in a nano second after the postman handed them my claim form)

The had the phone about two weeks they posted it back after wiping it but not bothering to repair it just saying it works even the the back is smahed and hanging off. I rang them up and went mad!!! They apologised and told me to send it two another address and they would send a replcement phone asap.

Nothing happen for three days so I rang them. They told me its beyond eco repair but they cant get a replacement will i take £490 for iphone 3gs 16gb. I said ok and they paid that in my lloyds account after 9 working days. All in over about month with no phone or money to replace it. Thats with phoning them every other day and sending everything special delivery to speed it up.


Not overly impressed but got there in the end!