Mobile Phone

w00519772

The display of my Windows phone is faulty. I do not remember dropping it and it is not physically damaged. I discovered the fault when I was at the gym.

I use to have Mobile Phone insurance with o2, however I cancelled it last year when my contract expired. I believe I have mobile phone cover as part of my home insurance. I am with More Than. I am going to call them tomorrow. I have a few questions:

1) What impact will making a claim like this have on my premiums in future? I guess I could get some quotes.

2) Do all insurance policies cover mobile phones (if you have accidental damage)?

3) Are you covered inside the house or outside the house?

I think the phone is worth about £200 new if that has any bearing.

DCFC79

w00519772 wrote: »

The display of my Windows phone is faulty. I do not remember dropping it and it is not physically damaged.

I use to have Mobile Phone insurance with o2, however I cancelled it last year when my contract expired. I believe I have mobile phone cover as part of my home insurance. I am with More Than. I am going to call them tomorrow. I have a few questions:

1) What impact will making a claim like this have on my premiums in future? I guess I could get some quotes.

2) Do all insurance policies cover mobile phones (if you have accidental damage)?

3) Are you covered inside the house or outside the house?

I think the phone is worth about £200 new if that has any bearing.

Can Windows phones be bought New now ?

Whats the excess for going via your insurer ?

angrycrow

Increased premiums from making a claim are likely to far exceed the value of the phone over several years.

What model of windows phone is it. It may be worth asking a local repair service to look at it to see if it can be repaired.

w00519772

angrycrow wrote: »

Increased premiums from making a claim are likely to far exceed the value of the phone over several years.

What model of windows phone is it. It may be worth asking a local repair service to look at it to see if it can be repaired.

It is a Nokia Lumia 950 (RM-1104).

Blibble

What is the excess fee for any AD claim, presuming you have AD cover under your contents? I doubt it's under £100.

If the handset is still available (i.e., you can get parts), it may be repairable. The repair would be around £100, which is the value of the excess.

Alternatively if it's beyond repair due to no parts being available, £200 for a replacement is an increase of £40 p/a in premiums over 5 years. Which isn't much. Then you've got the excess as well? Not worth it IMHO - repair the handset privately.

w00519772

Blibble wrote: »

What is the excess fee for any AD claim, presuming you have AD cover under your contents? I doubt it's under £100.

If the handset is still available (i.e., you can get parts), it may be repairable. The repair would be around £100, which is the value of the excess.

Alternatively if it's beyond repair due to no parts being available, £200 for a replacement is an increase of £40 p/a in premiums over 5 years. Which isn't much. Then you've got the excess as well? Not worth it IMHO - repair the handset privately.

The excess is only £50. The local repairer has said it will cost £90 to replace the screen, however there is no guarantee this will fix it i.e. it could be a fault with a motherboard chip.