Fonesure - Worst Phone Insurance? - advice needed

vacuman

My daughter had her iPhone stolen and they are now giving her the runaround saying she needs to prove it was stolen and not lost.

I advised her to sign up with CUSC/Foneguard as it said on the home page - as featured on Money Saving Expert as mobile phone insurance best buy. Thanks Martin Lewis for that ...given that the company have been upsetting MSE members since 2009 (
check out thread no. 1615743 on here - sorry can't post a link). I can't believe I've been stupid enough to let my daughter pay £70+ a year for her ins.

I've seen in earlier threads about going to the Financial Services Ombudsman - has anyone had any joy with that?

grumbler

What kind of proof they want? Usually the crime reference number from police suffices.

Re Martin, see his recent blog:

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  "I've had terrible service, why do you still recom...

vacuman

There's another post on page 17 of thread 950155 where the chap has had the same problem "the phone was stolen from her bag whilst she was walking inside the train station, she was not mugged/robbed, whatsoever, but it seems the definition of THEFT for these insurance companies is only when there is force involved otherwise it won't be considered as THEFT at all, to my understanding, if you are mugged, or if there is force involved, then it's not THEFT, but robbery."
So it seems that not just a crime report but a medical report detailing your stab wounds sustained in trying not to have your phone forceably stolen might help with a claim?

The Martin's blog he suggests that a few people with problems (re service) doesn't distract from best value for the majority. Of course, with insurance you don't experience the service until you have to claim. And, with Fonesure, it would seem that by then it's too late.

BB4ALL

Contacted Fonesure after my HTC Desire slipped out of my overall pocket while working on an overhead crane at work, landing on a steel table, bouncing off the table and into a pit with conveyor belts and ended in the recycling bin.
Now after explaining to the lady by phone what happened then going through the routine of proof of purchase with Tmobile, then receiving the envelope that I have to pay for special delivery costs and the £40 excess, some jerk has disputed the damage on the handset is more severe than it should have been after falling from a crane.
Who the hell is that person to know the environment I work in. But it looks like they'll dispute it anyway and I'll get no replacement.
Good, then I'll cancel the contract with them and just buy another contract phone through Tmobile and when they send their paraphernalia to me for insurance they can shove it where the sun don't shine.
She (the supervisor) said she'd call me back on the landline before close of business today. I don't hold my breath. Am I entitled to my excess back and the faulty handset as well.??
I'm astonished that a jumped up jobsworth who sits a nice air conditioned office down south knows what an actual working factory looks like.
There stipulation in line of a turnaround of 48 hours is also nonsense, phone was sent Monday morning its now Thursday afternoon and a Jubilee weekend coming up so will probably wait two weeks for my excess back then wait another 10 days for it to clear through my bank and still sit here with an old Samsung I can't even remember how to use.
And I thought BT were bad.