Spill the beans... on mobile phone insurers

starlight_xx

I have cover with Orange for £6 a month. Ive used it on a couple of occasions with no problems, have phoned them up, given details of the fault on my phone and a new replacement handset has been couriered out within 24 hours. Ive been told about the admin fee, which they now call an excess, but so far have never actually been charged it.

jemma_hendry

i just wanted some advice i have a blackberry 9900 on the 3 network i didnt take out insurance instore at the time of taking out my contract as it didnt sound like a very good deal, however 2weeks later i recieved a letter asking if i would like to take out this insurance, as i had still not took any out i thought it was best that i rang them to take it i done this on a monday by the saturday i still hadnt recieved any info on my insurance even though they said i would recieve paperwok in 2days so i rang them and it turned out it had not been put through properly so the girl on the fone completed this for me, unfortunately on the sunday morning i actually lost my phone i rang cancelled my phone got a crime number and as soon as the insurers department was open on monday morning i rang and put my claim in it has now been 2weeks they rang for extra info as they said it seemed suspicious with me ringing on the saturday to confirm my insurance which i can well understand but it is a ligitamit claim and each time i ring i get no further forward on a wait time please can someone advise me on what i can do, i only had the contract phone 4weeks.

grumbler

grumbler wrote: »

This certificate does not cover:
...
Theft or Accidental Damage to the Telephone:
...
whilst in any form of public transport or public place other than when the Telephone is taken from the person where actual or threatened force or pickpocket is used.

Citymain Administrators
You can only guess if this a genuine error or a get out clause.
Sneaky mobile phone insurance exclusion?

I am surprised that Insure&Go (= notorious Citymain) has been recommended by Martin in the last e-mail.

Not only was it recommended as 'Best buy', but it was recommended as the one that does cover theft. In fact they typically cover only burglary and robbery, not theft.

This Certificate does not cover:
1. ...
2. Theft ...
a) ...
b) ...
c) from any property, place or premises unless the theft has
been accompanied by forced and violent entry or exit to the
property, place or premises;
d) whilst in any form of public transport or public place other
than when the Product is taken from You by actual or
threatened force;

Has the affiliate link over-weighted all other considerations?

grumbler

Some other pearls for the collection.

Protect Your Bubble iPhone / Mobile Insurance

Current Gadget Insurance Terms and Conditions Download as PDF :

grumbler wrote: »

Before your claim can be approved, you must pay the stated excess fee.

This sounds like you have to pay them £50 even for rejecting your claim.

Shazaaym wrote: »

I insured my phone with PYB. I'd had it about 8 months when i broke the screen. I contacted them, and they said it was £50 excess (which i expected), and that i had to pay off the rest of the year in full before they would do anything, ...

grumbler

Citymain again?

softmind82 wrote: »

I have mobile insurance with City Administrator ... i went to Pakistan and my phone was stolen and registered the complain to the police office and got the copy of the report, ...

I sent all the documents and ... got a phone call that the police report format is not as standard as we do have in the UK...
...not willing to the listen the point that it has been translated and also stamped by the police station.

Buzby

Pretty old thread to be resurrecting there....?

grumbler

What's wrong with this if it's the special and even official thread on this topic where all information is conveniently collected in one place?

If it's out of date you are welcome to contribute corrections/amendments.

mcav

I dropped my Nexus 5, resulting in the screen smashing and the surround ruined. Lifestyle Services Group accepted my claim immediately. That's where the good news ends.

Initially, I was told that I'd have the phone within 3 working days. This was revised to "3 working days for the repair, 3 working days to post". This was further revised to "5 working days for the repair, 3 working days to post". This was revised yet again back to "Sorry, 3 working days to repair and 3 working days to post". It is like they just make stuff up as they go.

Then the repair finally happens and I get the phone back 1 week later. So far so good. The phone actually looked like new.

However, the phone has been returned to my with a fault - NFC simply does not exist on the phone. When I called them, they tried to tell me that it was a software fault(!!!) (This is on a phone they JUST repaired). After much arguing and logging of complaints, they now want the phone back to "try to fix it".

A truly terrible experience, and it is not over yet.

robti

Re lifestyle services my father lost his 3GS and tried to claim, it was bought second hand and because he can't supply an invoice to state who and where it was bought from ( only hand written note from seller) and he only used any payg sims that were offering deals with airtime they won't complete the claim so had to cancel the claim last night and delete the phone from his account

mcav

Just another update:

The phone has come back a 2nd time and while the NFC works (Well, it now charges on the Qi pad). Although the phone was returned to me absolutely spotless the first time around, this time, it has been returned to me with a deep scratch on the back and dirt ingrained into the surround of the camera. It is also obvious that they have not used the proper sim ejection tool as the hole has been damaged for that too. I have also noticed that the screen is not properly aligned.

The phone is already back in its box to go back to LSG. It doesn't matter whether the rest of the phone 'functions'.

Back on the phone to LSG....