Mobile phone insurance

keltyexfc

Ive just found out ive been paying for insurance on a mobile phone that i havent had for about 4 years,can i claim this back or is it my own fault,will it be worth my while to claim for a lost phone i have a £50 excess and the phone that is insured no longer exists sony ericsson t303 ????? thanks in advance.ps it was phones4u and policy admin services that my insurance is through.

keith1950

You already know the answer to the question....if you try to claim you are commiting fraud plus what you would get for the phone minus the excess would not be worth the increased insurance costs when you have to declare ' any claims or incidents in the last five years '.... write it off to experience

keltyexfc

i know this company has been done for miss selling insurance any idea how i find out about this ????

keith1950

Ive just found out ive been paying for insurance on a mobile phone that i havent had for about 4 years,can i claim this back or is it my own fault

It's your own fault.......end of !

keltyexfc

keith1950 wrote: »

It's your own fault.......end of !

lol who are you ??????????
ive since found out this company has been fined for misselling insurance was asking a question,dont reply if you cant help !!!!

forgotmyname

You knew you had the insurance though. In what way was it mis-sold?
What proof do you have that it was mis-sold?

If the phone no longer exists then a claim will fail very quickly but get you marked as a fraudster when it comes to other insurance.

A quick check and they can see when the phone was last used.

keltyexfc

forgotmyname wrote: »

You knew you had the insurance though. In what way was it mis-sold?
What proof do you have that it was mis-sold?

If the phone no longer exists then a claim will fail very quickly but get you marked as a fraudster when it comes to other insurance.

A quick check and they can see when the phone was last used.

so if they can see when the phone wast last used surely i shouldnt have been paying insurance for it????

forgotmyname

No they will only check when it was last used when you make a claim.

They dont spy on you 24/7. They dont care what you do until it comes to them paying out.

Then your on trial. And guilty until they have to reluctantly find you innocent
.
In your case though a quick call to the mobile company will show you have not used the phone for some time.

keith1950

,dont reply if you cant help !!!!

But I was helping....I informing you that you are just wasting your time !!

If you put as much effort into regularly checking your bank statements this would not have happened !!