Insurance didn't cover loss - now stuck in contract

Dandyayl21

Lost my phone about a month after starting a new contract with Three, their insurance doesn't cover loss apparently and i'm now stuck in the contract without the phone. Using an old temperamental phone for the time being

Anyone have any idea or experience with getting out of a contract? is there anything I can do?

mobilejunkie

No. Why would you be able to? You agreed to a minimum term contract for air time, you lost the phone and unless you paid extra for insurance why would you expect to be recompensed?

The only question you should be asking if you have insurance is, if it's covered why are they refusing to pay? Otherwise, it's down to you.

As always, if you want to make things worse you could pay off the rest of the contract (i.e. it's monthly cost minus time served).

Chino

mobilejunkie wrote: »

The only question you should be asking if you have insurance is, if it's covered why are they refusing to pay? Otherwise, it's down to you.

According to section E of the terms and conditions for Three Rescue, "Any claim for loss or theft" isn't covered:
http://www.three.co.uk/termspdf/ThreeRescue_TsCs_011018.pdf

Perhaps the OP could check whether any home contents insurance that he or she has would cover the loss of a mobile phone.

jackieblack

Chino wrote: »

Perhaps the OP could check whether any home contents insurance that he or she has would cover the loss of a mobile phone.

Or I think some bank accounts (usually that you pay a monthly charge for) include this kind of insurance... ?

societys_child

jackieblack wrote: »

Or I think some bank accounts (usually that you pay a monthly charge for) include this kind of insurance... ?

To be covered, I think you have to register the phone before you lose it though?

jackieblack

societys_child wrote: »

To be covered, I think you have to register the phone before you lose it though?

Sounds reasonable

d123

Dandyayl21 wrote: »

Lost my phone about a month after starting a new contract with Three, their insurance doesn't cover loss apparently and i'm now stuck in the contract without the phone. Using an old temperamental phone for the time being

Anyone have any idea or experience with getting out of a contract? is there anything I can do?

Why would you think you can get out of a (separate) contract for phone service because you lost your handset?

Best bet would be to buy a cheap smartphone, 3 themselves sell a Huawei or Honor smartphone for under £100 on PAYG iirc.

lindens

societys_child wrote: »

To be covered, I think you have to register the phone before you lose it though?

dont think so, my sons bank account provided coverage for 2 phones. mine broke and we put in a claim for my phone as the second phone. it had never been registered with them previously

Alter_ego

societys_child wrote: »

To be covered, I think you have to register the phone before you lose it though?

Sometimes producing the receipt is enough.

Annie1960

Is there any chance you could track the phone using GPS?


Also, for future reference, you can register phones and other valuables with immobilise.com. I know this won't help you now, but could be useful once you get a replacement.