Mobie Phone Insurance via Nationwide Flexplus account

don9999

I recently made a claim on my Flexplus policy, for an iPhone 12 Pro mobile phone that was not charging properly and very poor battery life.

Cost me £75 excess.
And upon return of phone, I have a message on screen saying 'Unknown part' (which I have since discovered is because they replaced the screen with a non-genuine display).
There are also scratches on the bottom left of the mobile (not on the screen) that I don't remember seeing before - I wonder if they might have been caused during the screen replacement ('I' don't know how they change the screens)

Anyway......seems I can't really complain about the use of non-genuine parts as this is apparently part of the Ts & Cs.
So, I guess I just have to accept it.

My question for discussion though, is, is the mobile insurance really worth it after all.....?
Not only have I had to pay the monthly cost (albeit the £13 pm covers other things too), and paid the £75 excess, but the 'value' of the phone has also decreased by having a non-genuine part used.

Have not really done the maths, but am wondering if the insurance is worth it after all.......

Am assuming that I could have had the screen replaced (with a non-genuine part) at any one of the numerous high street mobile shops - but don't know how much they might charge.

Has anyone else looked into this at all?

DullGreyGuy

It also depends on what your home insurance will cover, or not. For us we have worldwide cover for personal items (theft, loss, AD etc) and it's a new for old policy. It however wont cover mechanical breakdown but does devalue any warranty or standalone policy. 

Having had 3 iPhones in our family since the 3G was first released not one has malfunctioned outside of warranty (and only 1 in warranty) so for us we've decided it isnt worth having.