Lloyds mobile phone insurance

Scarla

Has anybody any experience of claiming for damage to mobile phone from Lloyds Insurance?

Son has dropped his phone and screen and back are broken, put in a claim with Lloyds and they will charge me £100 excess, but I am sure I could get it fixed for less than £100. How likely is it that they will just repair the phone and not replace it?

macman

They'll repair or refurb, whichever is more economic-you won't get a new for old replacement, if that is what you are hoping.

Scarla

I was hoping for a new one yes. Given that the excess is £100, I will repair it myself rather than go through Lloyds.

Can I cancel the claim?

jonesMUFCforever

Scarla wrote: »

I was hoping for a new one yes. Given that the excess is £100, I will repair it myself rather than go through Lloyds.

Can I cancel the claim?

You can but it will still count as a claim.

Scarla

Received an e-mail saying it would be repaired, so called them and cancelled the claim. Hopefully will not need to claim again on this policy.

FutureGirl

Most insurers tend to work that way. Repairing if it can be repaired, if not then they will replace.