Got iPhone wet on holiday. Need proof of damage

paul2louise

InsideInsurance wrote: »

Not at all, wife's dropped a couple of her iPhones into the toilet/bath/sink several times and all have survived fine after spending a few days drying out.

There should be at least one or two places about your area that can do a quote for repairing it/ confirm its beyond economical repair.

Thank you. Its just that i was holiday and I am not sure i did the correct things like leave it for 48hrs etc, dont switch it on etc. There is a small computer shop that might be able help. I called in today but the owner was out. Might try again.

FutureGirl

TBH if you can only claim £100 per item. And the excess is £120, you're only going to get £180 back as a maximum. Factor in cost of fuel to get to those places, and potential costs for them to give you the report you need, probably isn't really worth claiming.

paul2louise

FutureGirl wrote: »

TBH if you can only claim £100 per item. And the excess is £120, you're only going to get £180 back as a maximum. Factor in cost of fuel to get to those places, and potential costs for them to give you the report you need, probably isn't really worth claiming.

That's what I am thinking. When I enquired they just said all I needed was proof of purchase and pic of each item. Then a month later I get an email saying they need all sorts of other things. If they had said this when I first asked I probably wouldn't have bothered as it took me a few weeks to find the receipts particularly the iPhone which is 4 years old and was my husbands phone.

rs65

FutureGirl wrote: »

TBH if you can only claim £100 per item. And the excess is £120, you're only going to get £180 back as a maximum.

Hopefully they would apply the excess then the single article limit - so it would be £300.

paul2louise

rs65 wrote: »

Hopefully they would apply the excess then the single article limit - so it would be £300.

Would they do that. I was expecting £180 max too, tbh the camera new was only £70 so I was hoping for about £120 any more and it would be a bonus. But that was before I realised they wanted all this other stuff

rs65

How much are you claiming for each? Is it new for old or indemnity?

paul2louise

rs65 wrote: »

How much are you claiming for each? Is it new for old or indemnity?

Not new for old, just up to £100 per item as current age or condition prior to damage

rs65

paul2louise wrote: »

Not new for old, just up to £100 per item as current age or condition prior to damage

So, put a number on each ...

glentoran99

rs65 wrote: »

Hopefully they would apply the excess then the single article limit - so it would be £300.

The claim would be for £300, the excess comes out of that, not sure how you get £300

rs65

glentoran99 wrote: »

The claim would be for £300, the excess comes out of that, not sure how you get £300

A good insurer would apply the excess first so say you lost 3 items at £400, £100 and £100 - loss is £600 less £120 excess therefore £480 but single item limit of £100 - settlement is £300.

If the excess was applied last you could never claim for one item and would only get £80 for 2.