Why is bank mobile ins excess £100 for iPhone, £30 for others

JuicyJesus

I was about to say, iPhones are popular targets for theft. Not just for the glamour factor but because, as alanq says, Apple are more than happy to "launder" stolen iPhones while doing only cursory checks. Meanwhile someone nicking my non-Apple phone would be hard pushed to find somewhere that would do an immediate swap for it without requiring identification.

Hominu

andyloc wrote: »

Why should it just because its an Apple phone have a higher excess than say an HTC One?

You were quite happy paying more for the iPhone than an alternative, knowing that you are paying more just for the name, so the bank is jumping on this band wagon and saying that anyone that is willing to pay extra for iPhone can also pay extra for insurance.

Then again, they do cost more to repair as Apple rip off the service centers with the cost of replacement parts, so its typically easier to throw the faulty ones in the bin and just replace.

And they are more likely to be stolen.

Yes, it's legal.

If you don't want to pay the £100, sell it and buy a different phone.

DCFC79

lazer wrote: »

I would never buy any apple product for the simple reason that you can generally get a similar product without the apple brand with better spec for the same price, or something of the same speca lot cheaper

Exactly, its just an expensive brand, at the end of the day, under the cover its just a phone like a HTC phone or Samsung.

Gromitt

Indeed, Apple know that if they release a £300 phone for £700, people will still be queueing up to buy it, so why sell it for £300 ?

Other manufacturers don't have such people, so they have to price their products more competitively to get people to buy them.

chambta

Get a HTC phone. They're better.

MrMrMr

This has turned into a "hate Apple" thread, not what I was asking. Daft quotes like "get an HTC", "Apple out a £300 phone and make it £700" isn't what I was asking. Irrelevant of the fact I've chose an iPhone as its not just the hardware, it's software and the integration I have with other Apple stuff makes it better fit for me.

What I was asking was, why is excess £100 on a Apple £529 phone, and £30 for a different £500 phone.

They have as much chance as me to drop it, lose it, have it stolen?

opinions4u

andyloc wrote: »

What I was asking was, why is excess £100 on a Apple £529 phone, and £30 for a different £500 phone.

They have as much chance as me to drop it, lose it, have it stolen?

That question has been answered repeatedly.

John1993_2

Hominu wrote: »

You were quite happy paying more for the iPhone than an alternative, knowing that you are paying more just for the name

Paying more just for the name?

I'm intrigued, where are you finding unbranded iPhones for less than the official price?

As far as I know, no-one else sells the same phone, so it makes no sense at all to say that someone is buying "only for the name", but I'm happy to be corrected.

dacouch

I phones have a strange habit of being stolen or lost just before a new version of the iphone is released.

That and apple controlling the repairs and supply of parts for iphones

grumbler

andyloc wrote: »

What I was asking was, why is excess £100 on a Apple £529 phone, and £30 for a different £500 phone.

I think this has been answered already.

1. Because iPhones are much more prone to insurance claims.
2. Because they are more expensive to repair because of the Apple monopoly and overcharging.

Also, on average they are more expensive to replace as their market value drops much slower over the policy term.

They have as much chance as me to drop it, lose it, have it stolen?

It's obviously incorrect at least with regard to theft.