Insuring a damaged phone with Halifax? Is this allowed?

mantrasun

Hi all, 
I was planning on insuring my wife's iPhone 11 with my Halifax ultimate reward account (her phone is worth more than mine so I was more comfortable having hers insured over mine), but as luck would have it, she dropped it and cracked the screen before I had a chance to! My question is, is it an act of fraud to insure a damaged device with the bank then immediately make a claim, or is it expected to insure a device in new or close to new condition? I don't usually insure my things (a habit I am trying to rectify) so I am a little unclear on the rules. Any answers would be appreciated

boo_star

Insurance is to cover you in case something happens, not after it has.

[Deleted User]

mantrasun said:

Hi all, 
I was planning on insuring my wife's iPhone 11 with my Halifax ultimate reward account (her phone is worth more than mine so I was more comfortable having hers insured over mine), but as luck would have it, she dropped it and cracked the screen before I had a chance to! My question is, is it an act of fraud to insure a damaged device with the bank then immediately make a claim, or is it expected to insure a device in new or close to new condition? I don't usually insure my things (a habit I am trying to rectify) so I am a little unclear on the rules. Any answers would be appreciated

Yes of course it's fraud.

TELLIT01

Of course it's fraud.  Would you drive uninsured and then try to take a policy out after a crash?  Would you not insure your house and then take out a policy after it flooded or caught fire?  Those examples are at a different scale but the same process.

[Deleted User]

mantrasun said:

My question is, is it an act of fraud to insure a damaged device with the bank then immediately make a claim, or is it expected to insure a device in new or close to new condition? 

Hmmm.  Difficult one, isn't it...

mantrasun

Thanks guys, I appreciate the responses. I thought as much but I found this to be a difficult thing to get confirmation on out right. Judging by the tone of the responses I can tell this is a stupidly obvious answer in hindsight but like I says in my post, insuring valuables is new territory for me, and I knew this was a good place to go in order to get a solid answer, even if I'm made to feel a little silly for asking  

galeforce_4

Deleted_User said:

mantrasun said:

My question is, is it an act of fraud to insure a damaged device with the bank then immediately make a claim, or is it expected to insure a device in new or close to new condition? 

Hmmm.  Difficult one, isn't it...

Turns out you can do just this and Halifax does not consider this fraud. I have a Halifax ultimate account and as I was in a similar situation, called them up and asked what my options were. I registered up my phone and made a claim right there for an accident that I clearly stated to them happened a month prior and they accepted the claim with no disputes

mwarby

Slightly different as you had insurance, you just hadn't registered the phone.

If screen is just cracked its possible you could get insurance, to cover say only loss or theft, but of course damage couldn't be covered

csgohan4

replacing a screen is not that expensive now a days, but if it doesn't work, the insurers are not stupid and may check your current carrier and may examine the phone to see when it was last in use and for calls e.t.c. 

jonesMUFCforever

OP what is the excess on this type of phone?
It might be cheaper to get the screen fixed yourself.

DCFC79

mantrasun said:

Thanks guys, I appreciate the responses. I thought as much but I found this to be a difficult thing to get confirmation on out right. Judging by the tone of the responses I can tell this is a stupidly obvious answer in hindsight but like I says in my post, insuring valuables is new territory for me, and I knew this was a good place to go in order to get a solid answer, even if I'm made to feel a little silly for asking  

Is your wife likely to drop the phone again ?

Does she have a case on it ? Consider 1 if not.