Lost Mobile on home insurance

moneybairn

Hi,

I lost my Samsung galaxy s3 recently and have primarily put in a claim to replace it on my home insurance(I don't have mobile insurance, or bank insurance etc) I have only had the phone 6 months and still have the contract for 18 months.

I will need to pay £100 excess and lose 2 years of my ncd which is around 10% of my discount but they couldn't say how it would affect my premium.

I am beginning to wonder if I should cancel my claim? Has anyone used their home insurance to claim a lost mobile and how did it affect their renewal? I have read a few differing things about its not affected claims but others says it has. btw I have never claimed on house insurance before for anything.

Any advice appreciated. Cheers.

grumbler

moneybairn wrote: »

...ncd which is around 10% of my discount ...

What does this mean? And how much is your content insurance?

Personally, I always select the highest excess available to cut the price of the insurance and avoid making claims.

moneybairn

not entirely sure, they just said I'd lose around 2 years ncd when I currently have 4, which will affect 10% of the ncd.

My Home insurance is about £190.

sdduk

moneybairn wrote: »

not entirely sure, they just said I'd lose around 2 years ncd when I currently have 4, which will affect 10% of the ncd.

My Home insurance is about £190.

I think they mean No Claims Discount.