Packaged / Debit Card Advice

opinions4u

meer53 wrote: »

What ??

Am i the only person who has never lost or damaged a mobile phone ?

No, I'm in the same position. Never lost or broken in 16 years of having a mobile.

Although now I've finally progressed to smart phone I'm more likely to mess with my phone in boring situations. I've had more than one near miss when I nearly dropped it in to the loo.

The_pc_tech

thesuperhobbit wrote: »

Will also look into FirstDirect.

'The pc tech' - I keep all my savings with a private bank. For the most part, I only keep what I need to in my main accounts. Bills, spending money and 'Oh sh**' cash. As and when I need it, I initiate a transfer from my savings into a current account.

From what I know, my home insurance doesn't. It doesn't even cover my mountain bike unless it's at home and locked up either in the garage or back garden.

Might be better looking for a better deal on your home insurance then.

The last time I looked at mobile insurance was when a rep tried to flog it to my Mum when she was taking out a business contract when starting a small self employed venture in 1999

It seemed to have more holes in terms of exceptions than Swiss cheese so persuaded her to just go for an extremely basic Ericsson phone that could be easily replaced if it broke or got stolen and I drummed home the point she should never leave it in the car.

thesuperhobbit

'The pc tech' - is there any way I can find this account on their website?

Thanks.

The_pc_tech

thesuperhobbit wrote: »

'The pc tech' - is there any way I can find this account on their website?

Thanks.

FD have only one account, its called the 1st account

http://www1.firstdirect.com/1/2/banking/current-account?WT.ac=FSDT_LHM_BA_BA1328

thesuperhobbit

Maybe.

I have a special insurance policy on my mountain bike to make up for it. It covers off road damage, repairs and replacement parts with a premium of only £50. It's come in handy many times.

I can't think of any other reason I'd want to change my home insurance. I've never had any problems relating to it. Never had to make a claim either.

The hassle of changing just to get mobile phone insurance added seems counterproductive.

thesuperhobbit

'The pc tech' - am I missing something here? I can see a current account which costs £10 a month and then an additional 'First Direct' package of £15 a month?

meer53

thesuperhobbit wrote: »

Maybe.

I have a special insurance policy on my mountain bike to make up for it. It covers off road damage, repairs and replacement parts with a premium of only £50. It's come in handy many times.

I can't think of any other reason I'd want to change my home insurance. I've never had any problems relating to it. Never had to make a claim either.

The hassle of changing just to get mobile phone insurance added seems counterproductive.

How much more hassle than opening a new account just to get a black debit card ?

thesuperhobbit

Was more to do with opening a new account and getting mobile phone insurance included.

You can apply for most bank accounts online.

Phoning up a company to cancel, cancelling a direct debit, finding a new provider, setting up a contract? Far more hassle.

The_pc_tech

It only costs you £10 if you don't pay in £1000 a month or have a qualifying product such as a savings account which you only need to keep a pound in.

First Directory is the add on which will cost you £15 (I've never bothered with this)

thesuperhobbit

'The pc tech' - so in theory, if I set up one now, I can set up a savings account at the same time and add the First Directory add on. I'll then only pay £15 a month?