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Iphone 4 and insurance
My son shattered his iphone 4 screen casing and back. He had plugged it into his laptop to charge, heard a pop and found the phone shattered.
His phone was insured so he contacted the insurer, paid the excess and returned his phone for repair, however.... they said the damage was not caused by overheating and therefore they can no longer help.
Will his excess be returned? It cost him £12 to return the forms and phone, £50 excess so hes already £62 out of pocket and is in the same situation, where he will have to pay to get the repairs done.
His phone was insured so he contacted the insurer, paid the excess and returned his phone for repair, however.... they said the damage was not caused by overheating and therefore they can no longer help.
Will his excess be returned? It cost him £12 to return the forms and phone, £50 excess so hes already £62 out of pocket and is in the same situation, where he will have to pay to get the repairs done.
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Comments
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Assuming he did not misuse it, the phone sounds faulty. Surely he should be claiming a replacement from the supplier under Section 11N of the Supply of Goods and Services Act 1982, not from an insurer?0
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Assuming he did not misuse it, the phone sounds faulty. Surely he should be claiming a replacement from the supplier under Section 11N of the Supply of Goods and Services Act 1982, not from an insurer?
The phone is approx 14 months old, therefore it is out of the 12 month warranty.
Just wondering if the excess should be reimbursed?0 -
I didn't say anything about the warranty. The warranty is a separate agreement with the manufacturer, and as it has expired, it is not relevant. Assuming the phone is faulty, why don't you claim against the supplier?The phone is approx 14 months old, therefore it is out of the 12 month warranty.0 -
take it into apple and explain what happenedWhat goes around-comes around0
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Well, I have to say that this is very strange insurance. I thought that an accidental damage is exactly what insurance is supposed to provide cover for, unlike warranty.His phone was insured so he contacted the insurer, paid the excess and returned his phone for repair, however.... they said the damage was not caused by overheating and therefore they can no longer help.0 -
Well, I have to say that this is very strange insurance. I thought that an accidental damage is exactly what insurance is supposed to provide cover for, unlike warranty.
Well he used to be insured with foneguard, and they where very good, never had a problem with them, but when he upgraded to an iphone 4 he changed from foneguard to this new one. Just done a google search and found this http://www.reviewcentre.com/reviews157176.html
If only we had found this before.
Anyone know where he stands regarding the reimbursement of his excess?0 -
Of course he should get the excess back from the insurer, as they have not supplied a replacement. Has the insurer refused to refund it?Anyone know where he stands regarding the reimbursement of his excess?
Has the insurer provided a report of what the problem was? If so, you can use this to make a claim against the supplier under Section 11N of the Supply of Goods and Services Act 1982.0 -
Of course he should get the excess back from the insurer, as they have not supplied a replacement. Has the insurer refused to refund it?
Has the insurer provided a report of what the problem was? If so, you can use this to make a claim against the supplier under Section 11N of the Supply of Goods and Services Act 1982.
The insurer hasn't mentioned anything about the excess whether they will or will not reimburse it.
On the letter It says, "on checking with our repair centre they have advised the damage to your handset is inconsistent with overheating. Due to the faults described being inconsistent with the nature of the claim you have made, we are unable to be of assistance on this occasion."
They didn't state what the problem was. The phone is working, but the glass is shattered.0 -
Is it worth contacting the insurers and appealing?
We stated on the claim form that the phone was on charge when he heard a pop and on checking found the phone casing to be shattered. I filled in the form to the best of my ability as he is dyslexic. I have asked again and he told me that the phone was connected to his laptop, charging, on his bed. He heard a pop and noticed smoke coming from the cable (nearest to the phone) that was connecting the iphone to the laptop.
In theory, could the connecting wire have overheated (due to fault) and this cause the shattering of the glass? as opposed to the actual phone overheating?0 -
Bu11shit.... "on checking with our repair centre they have advised the damage to your handset is inconsistent with overheating. Due to the faults described being inconsistent with the nature of the claim you have made, we are unable to be of assistance on this occasion."
Was the phone damaged acidentally? Y/N
Do they cover accidental damage? Y/N
If they have to cover it, but refuse, ask them to quote the part of their T&C that they refer to. Don't let them to fob you off. This is the only thing that such companies do professionally.0
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