Mobile Phone Insurance - Do They have us over a barrel?

DUTR

mailman86 wrote: »

A very expensive lesson indeed. But was it really unattended? I wasn't in attendance, but someone else was.

I agree with JJ, your GF could have placed it in her bag, in the 80s those handsets had to be placed on a table, as the saying goes out of sight out of mind

jb66

Okay then.... it was left on the table as the GF wanted to listen to a cool song that the OP downloaded earlier

BRSurvivor

It is interesting. I recently lost my iPhone 3G in a Pizza place, went for lunch and some time later realised I didn't have it - it must have fallen out of my coat pocket when I put it on the bench seat.

All I had to do for my insurance was provide a crime/lost property number from the police, and proof of ownership. They then sent me a cheque for £297 (price of a 3GS less £100 excess). To be fair, I was expecting to receive a refurbished 3G.

This was on my home insurance. If I remember correctly, it increased the cost of my insurance by around £14 per year to cover accidental loss/theft etc. Oh, and of course, £100 excess.

mailman86

These are all very valid points, and hindsight is both a gift and a curse. In future my iphone will be in my pocket! :-)

The frustrating thing is, if I had accidentally lost it, I would have been covered.
Instead the phone was stolen and because of a technicality, the insurance won't pay out.

I think we're all missing a trick and should start up insurance companies!!

DUTR

mailman86 wrote: »

These are all very valid points, and hindsight is both a gift and a curse. In future my iphone will be in my pocket! :-)

The frustrating thing is, if I had accidentally lost it, I would have been covered.
Instead the phone was stolen and because of a technicality, the insurance won't pay out.

I think we're all missing a trick and should start up insurance companies!!

Indeed, lloyds syndicate is only one of many, for success it's about calculating the risks and minimising them, if too higher a% claim then the company will be at a loss, it will be quick to realise that it is not wise to pay up on every given opportunity

slenderkitten

I have iPhone but I use a plain black case that almost disguise it. I wouldn't put any phone on the table, leave it in a deep pocket or in a bag if your not using it. I wouldn't give it to anyone else regardless of who it was, in case of an emergency situation arises.

I donot have insurance, can't afford to, I'm not one of hear people to flash my phone at people

Hammyman

Person puts £500 phone on table in plain view and is surprised when lowlifes decide to nick what is basically being handed to them on a plate.

Person then surprised when insurance company decide they didn't take adequate precautions.

You couldn't make it up.

emma_829

I would love to see what people say when the same company said I didn't take relevant precautions for a phone on the inside pocket of a bag, which was closed and placed directly next to me while i sat on the sand. The phone was not used on the beach and therefore was not seen but the bag was taken and this company refuse to pay out. They can use that clause however they like for whoever and for whatever situation they can bend it to apply to. And to the OP it wouldn't matter if you had said you had lost it because Protect Your Bubbles terms and conditions state that a phone is not covered for loss or theft if it is left unnattended so they would have come up wit the same excuse either way. Obviously if a phone is lost you have left it unnattended somewhere hahahahaha thats kind of a joke of a clause really, its like saying you can pay an extra £1 for nothing because we have said we will and won't cover you for loss in the same sentence.

Techhead_2

I'd say it was common sense not to leave a phone anywhere but on your person.

Put an expensive item, in a bag, in a public area where you are easily distracted and there are other people around doesn't strike me as sensible.

grumbler

It's because you are a man, not a woman.