Mobile phone insurance

richard_lock

I am trying to insure my daughters new iphones but as they are only 12 and 14 I am having difficulty. The recommended supplier by MSE will only insure them 16 and over. Anyone had any similar issues and can recommend an insurer?
Thanks

macman

Contractually, they are not your daughters' phones, as the contract is presumably in your name?
The chance of any insurer paying out on a claim for loss or damage while 'your' phones were in their possession is negligible anyway.
Might be worth checking if you can get some cover under your home contents policy, as this is always much cheaper. But teenagers and expensive smartphones are inevitably a high risk for any insurer. Make sure they are both SIM and handset-locked.

boatman

Nationwide Flexplus bank account, its £10 a month but it may solve your problem. Comes with mobile insurance and worldwide travel insurance for the family.

macman

beware the catch-all exclusion though:

We cannot cover
• Any incident involving the mobile phone
where you have not taken care of your
mobile phone. Full details can be found
in the full terms and conditions on what
is deemed by not taking care of your
mobile phone