Mobile Phone Insurance on Contract Phone

BenPg

Hi - hope this is the right place for this question.

I would like to get mobile phone insurance for my new iPhone that I have on contract from EE. I'm paying a monthly amount for the phone itself and the data I use - I haven't bought the phone outright. There's a large disclaimer on the documentation that says that I do not legally own the phone until six months of payments have been made.

Now, in terms of insurance, I can't get clarity on whether I can actually get a policy that covers this. For example, I wrote to Insurance2Go and I think from their terse, unhelpful replies that I must legally own the phone before I can be covered, which, as I said above, won't be for six months. Seems like I can't get that policy. (Of course, Insurance2Go also have a clause that the phone must be no older than six months - so on that basis the phone can *never* be insured! Puzzling.)

Does anyone have any experience of insuring a phone bought on contract, and successfully making a claim? One alternative is to get EE's own insurance, but it is much more expensive than Insurance2Go. Perhaps you get what you pay for in this case?

Hope someone can help.

Blibble

You will be covered for a contract mobile phone with every gadget provider I can think of.

85% of insurable phones are bought on contract. No insurer wants to lose 85% of their potential customers.

If for some nutty reason you choose the one provider that won't cover one (?!) then, at point of claim all premiums would be refunded as the policy never offered valid cover.