loyds tsb mobile phone insurance ion

robti

Hi my parents have an iphone 3 insured through their bank account with all the details logged, now was having an argument with them to downgrade their bank account as the only extras they use is the mobile insurance.

Anyway if the phone was damaged or lost would she get an up to date model or an old one, refurbished of course.

Reason for asking was i said it would be an old 3s model and she could save her premiums (around £12 month) and excess (£100) and just buy a s\h model if she ever lost it.

Any help ?

Thanks

opinions4u

This link may help.
http://www.lloydstsb.com/current_accounts/added_value_accounts/mobile_phone_breakdown1.asp

As may this:
https://www.lifestylegroup.co.uk/lloydstsb/information/PDFSelection.aspx