lloyds tsb mobile phone insurance!

alyssa_mae

I had my bag stolen yesterday in it was my brand new galaxy and my old iphone. I have mobile insurance with my lloyds tsb account.
when I rang yesterday to put in a claim, I was quite shocked to be told after excess of £100 iphone 32gb and £50 galaxy s3 they can replace it with a refurbished phone! I thought if I pay insurance then surely I should get a new phone especially after pay so much excess!
Does anyone know what my rights are in this matter please?

TSx

Unfortunately, they definitely state refurbished phone in the policy wording - and the excess increased a few years ago for iPhones so there's nothing you can do.

You could always ask them if you can upgrade to a new phone if you pay the extra cost?

bankhater_1965

i feel for you , but surley you no these insurance policies for such things are just scams , dont get burnt again ,

rs65

alyssa_mae wrote: »

I thought if I pay insurance then surely I should get a new phone especially after pay so much excess!

You get what your policy says you will get. I think most of these policies can provide a refurbished phone.

Do you have cover on your home insurance? Its more likely to be 'new for old'.

alyssa_mae

rs65 wrote: »

You get what your policy says you will get. I think most of these policies can provide a refurbished phone.

Do you have cover on your home insurance? Its more likely to be 'new for old'.

thanks I never thought of that. I'll look into that!

opinions4u

alyssa_mae wrote: »

I had my bag stolen yesterday in it was my brand new galaxy and my old iphone. I have mobile insurance with my lloyds tsb account.
when I rang yesterday to put in a claim, I was quite shocked to be told after excess of £100 iphone 32gb and £50 galaxy s3 they can replace it with a refurbished phone! I thought if I pay insurance then surely I should get a new phone especially after pay so much excess!
Does anyone know what my rights are in this matter please?

If you pay for a policy that promises new for old cover, then you get a new one.

If not, you don't.

That's your rights.

bankhater_1965 wrote: »

i feel for you , but surley you no these insurance policies for such things are just scams , dont get burnt again ,

Probably less of a scam than the policies sold by the mobile phone companies themselves.

Regardless, it's not beyond the wit of the average iPhone user to accidentally drop their phone just as the new iPhoneTouchuUp model comes out ... so finding an insurer offering new for old would be something of an achievement.

TSx

opinions4u wrote: »

If you pay for a policy that promises new for old cover, then you get a new one.

If not, you don't.

That's your rights.


Probably less of a scam than the policies sold by the mobile phone companies themselves.

Regardless, it's not beyond the wit of the average iPhone user to accidentally drop their phone just as the new iPhoneTouchuUp model comes out ... so finding an insurer offering new for old would be something of an achievement.

Almost all home insurers do...

paddedjohn

Nothing wrong with a refurb phone.

alyssa_mae

paddedjohn wrote: »

Nothing wrong with a refurb phone.

if you get a refurb what happens if it breaks a month after they've given it to you???

alyssa_mae

I am claiming for my Galaxy on my lloyds tsb insurance and my iphone from my home insurance, I didn't realise that my glasses were also in my bag till this morning so I have to claim for those aswell.
My insurance is with sainsburys and they have been very helpful and also told me I can claim for my bag & my purse and the money in there which I had never thought of claiming for! 1st claim I've made in the 17 years I have been with them!

I like to thank all of you that took the time to post!:j

TSx

alyssa_mae wrote: »

I am claiming for my Galaxy on my lloyds tsb insurance and my iphone from my home insurance, I didn't realise that my glasses were also in my bag till this morning so I have to claim for those aswell.
My insurance is with sainsburys and they have been very helpful and also told me I can claim for my bag & my purse and the money in there which I had never thought of claiming for! 1st claim I've made in the 17 years I have been with them!

I like to thank all of you that took the time to post!:j

Cancel the claim with Lloyds TSB and claim everything through Sainsburys, otherwise you'll be paying two excesses.