IVAL Insurance Problem - Any advice?

gmbunn

Hi folks,

My wife dropped my iphone down the stairs while using it (shes pregnant and a little clumbsy at the moment) and the phone was severely damaged. The screen shattered not just cracked and thr home button fell out completely. The body has also come slightly away from the backing, exposing the components. All in all a right mess.

I took it into apple to see about a repair and they basically laughed at me. It would take a 'small miracle' to get this repaired. Also they said as its the oldest model (3G) they dont offer repairs even if it was doable.

I doubted it but on the off chance, I called my insurance company to see if i was covered. Amazingly they said I was and that a company called IVAL would collect and assess the damage before a replacement would be sent, and that I would have to pay £100 excess.

Today theve called and said they can repair the screen and that everything else works fine. This will cost me £100. Im really concerned as the chap in Apple told me it would never be fixable. I know for a fact it was not just the screen needing repairing so im concerned the work IVAL will be doing may be substandard or just a bit of a patch up that'll go in a month or so.

Ive held insurance all my adult life but have never claimed once, can I request a replacement as im not happy for a repair? A bad repair will cost me £100, plus loss of no claims, plus if something does go on me in a month say, I bet IVAL would claim its wear and tear and not a result of their work! Im really lost with the rules and rights surrounding insurance! Any advice would be great.

Thanks

InsideInsurance

Given you can buy a 3G online with warranty for sub £150 I am surprised you think claiming on insurance with a £100 xs plus losing NCD plus increased premiums for 3-5 years us worth while.

Apple ultimately are in the business if selling new kit and you can easily say that they'd rather push you to a new iPhone 4 than repair an old one that's not going to support the latest iOS and thus revenue. Please nite I am generally a fan boy of Apple.

Generally insurer approved companies are an ok balance of skill and cost and generally don't just do botch jobs but the phone is relatively old and if the fall was as bad as you say there could be other issues that develop further down the line.

gmbunn

InsideInsurance wrote: »

Given you can buy a 3G online with warranty for sub £150 I am surprised you think claiming on insurance with a £100 xs plus losing NCD plus increased premiums for 3-5 years us worth while.

Thanks for the reply, can you suggest where i may find one for that price? If i can get one with a warranty for sub 150 id be crazy to make a claim as you say. I havent paid the excess or said yea to the repair yet so I could cancel the claim if you can point out somewhere that does them at this price. Thanks