Iphone Insurance Claim

muhib_no1

Hi all .. please can you advise me on my problem.

I recently lost my Iphone 3gs 16Gb and claimed on my insurance.

My insurance is provided by Homecare (via my bank account - RBS Royalties). I submitted all the details and got a call today saying the claim was approved.

BUT ... Apple have limited stock of the Iphone 3gs so they are unable to give me a like for like replacement. They offered me the following:

- Cash £305
- HTC Wildfire
- Blackberry 8900

Now, the phones offered are nothing like my iphone and the cash offer (based on a refurbished Iphone 3gs) will not get me another iphone !!

All i want is my Iphone !!! :mad:

I have been advised by the lady in the call centre to appeal the outcome.

Before i email them i would like to get advice off you guys on how to proceed and whether i am likely to get a positive outcome. Please please please help !!

I look forward to hearing off you guys !

Thanks in advance !!

nsabournemouth

All i want is my iPhone.......dear oh dear me.

Take the cash.

Browntoa

take the cash and buy a good 2nd hand one

example

http://www.cashgenerator.co.uk/mobile-phones/apple-iphone-3g-s-16-gb-white-on-o2-rc669

muhib_no1

Hi .. thanks for your advice ...

The real issue is the insurance company trying to fob me off, trying to give me something less than what i should have.

Would i benefit from appealing/disputing the decision ? From your experiences do you think it will be worth it ?

Exemplar

Insist that they fulfil their obligations, there is no shortage of 3GS (friend of mine works for Apple store in Leicester).

Alias_Omega

Find a place where you can purchase a iPhone 3GS, and at what price then tell them.

hazelwoods

Alias_Omega wrote: »

Find a place where you can purchase a iPhone 3GS, and at what price then tell them.

Sounds good advice to me

When mine was stolen last April I claimed on my home insurance, also with RBS. They said they couldn't replace it, but sent me a cheque for the cost of a new one, minus the £100 excess. I was even able to claim for the case it was in as that was on my original receipt from O2.

Once I knew the cheque was on its way I went to my local store and bought a new PAYG iphone and put my replacement sim in immediately