Mobile Insurance - Phone already broke

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
6 replies 662 views
JCR1987JCR1987 Forumite
134 Posts
Part of the Furniture Combo Breaker
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
Is it possible to obtain mobile insurance even though my mobile is already broke?

I stood on my new (2-day old) Sony Ericsson yesterday. I'm with T-mobile on their Mix-it plan which is part contract, part pay-as-you-go. Looked at the terms and conditions that came with the phone and they say that once it has been delivered, the equipment is my responsibility. From this I assume they mean, if you break it, lose it or it's stolen, tough.

What I was thinking was, if I take out mobile insurance now, and claim, say, next month for the phone, would they be likely to take it in and repair it under my insurance cover?

I can't see anything on the T-mobile website about their own insurance but I'd be surprised if they don't provide it. Obviously I don't want to end up paying too much, but would be happy to pay for a years cover to get the phone fixed and also have cover in case it happens again or I lose it.

Any recommendations for an independent mobile phone insurer if this is possible?

cheers,
JR

Replies

  • A girl I used to work with broke her phone. She then took at phone insurance(from carphone warehouse I think), used her sim in an old phone, then a month later claimed for her damaged phone. She got the phone fixed then cancelled the insurance a couple of months later. This was a year or so ago so don't know if it would still work.

    I am not condoning what she did and would not do it myself as I guess it could be classed as insurance fraud.

    T Mobile do provide insurance and I am surprised you weren't pushed to take this out when you got the phone. I doubt any insurance will cover an already broken phone.
  • poppy_f1poppy_f1 Forumite
    2.6K Posts
    Part of the Furniture
    ✭✭✭✭
    it should work as long as they dont want to see the phone if you take insurance out in store, then wait say a month then claim

    not that im condoning it
  • Also I guess it depends on whether the insurance you take out covers accidental damage.
  • ---lee------lee--- Forumite
    921 Posts
    JCR1987 wrote: »
    Is it possible to obtain mobile insurance even though my mobile is already broke?

    Yes - it's called fraud.
  • JCR1987JCR1987 Forumite
    134 Posts
    Part of the Furniture Combo Breaker
    Thanks for the info guys, though not a problem now. Carphone warehouse do repairs for a lot cheaper than taking out an insurance premium for a year.
  • ---lee------lee--- Forumite
    921 Posts
    JCR1987 wrote: »
    Carphone warehouse do repairs for a lot cheaper than taking out an insurance premium for a year.

    I suppose that depends on how many times your going to stand on your phone in a year ;)

    Good to hear you found a legit solution.
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