Mobile phone insurance

jakeys

I've got house insurance and my mobile phone has broke  , how can I claim I don't know what to say , I haven't got accidental damage but I have cover in the home for mobiles under £ 1500 and also cover away from home which includes mobiles but my policy says lost or stolen  nothing about it breaking ( I haven't dropped it the screens just gone black ) any advice please ? 

eddddy

Home insurance won't cover a phone that simply stops working.

Your home insurance policy will say what risks it covers - typically loss or damage caused by things like: fire, explosion, storms, floods, earthquakes, theft, attempted theft and vandalism, etc.

If your phone is still under warranty, you might be able to claim on that.

If you think the phone was faulty when you bought it, you might have a claim against the retailer.


Other than that, it's the same as anything else you own that wears out or stops working - if you want a replacement, you have to pay for it yourself.



(It's best not to contact your insurance company or attempt to make a claim, unless you're pretty sure the loss is covered by your policy.

Otherwise, you'll get no payout, but the "incident" and/or "failed claim" could be recorded on a central database, and your future insurance premiums could increase as a result.)

Aretnap

+1. Insurance covers unexpected one off events which damage your property. You could claim on your home insurance if it was stolen or destroyed in a fire. If you had accidental damage cover you could also claim if you dropped it or trod on it. However no home insurance policy is going to cover something that simply breaks down, through age, wear and tear or a manufacturing defect.

What you do now depends on the phone's age. If its reasonably new then complain to the retailer or make a claim on the warranty, like anything else you buy that just doesn't work. If it's many years old then it's probably just time to get a new phone.

35har1old

jakeys said:

I've got house insurance and my mobile phone has broke  , how can I claim I don't know what to say , I haven't got accidental damage but I have cover in the home for mobiles under £ 1500 and also cover away from home which includes mobiles but my policy says lost or stolen  nothing about it breaking ( I haven't dropped it the screens just gone black ) any advice please ? 

Even if you had mobile insurance there could be a excess of £100 and you would likely receive a refurbished phone