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Contract phone stolen in carjacking- how to claim on insurance
Grabe78
Posts: 5 Forumite
Hi MSE,
I recently had my smartphone stolen in a carjacking whilst abroad. I am covered by my employers travel insurance and wish to make a claim for the phone, but the phone was on a 24 month pay-monthly contract which included data/calls/texts, and I didn't pay anything upfront for it. I'm 75% of the way through the contract now, but won't have any phone to show for it once I finish the contract.
Does anyone know how on earth I go about calculating my claim for the phone on the insurance? Is it the total monthly cost I have left? Or the overall 24 month cost of the phone minus some factor? Or how much it would have cost if I'd bought the phone upfront? Any help is much appreciated, I'm tearing my hair out about how to do this!
I recently had my smartphone stolen in a carjacking whilst abroad. I am covered by my employers travel insurance and wish to make a claim for the phone, but the phone was on a 24 month pay-monthly contract which included data/calls/texts, and I didn't pay anything upfront for it. I'm 75% of the way through the contract now, but won't have any phone to show for it once I finish the contract.
Does anyone know how on earth I go about calculating my claim for the phone on the insurance? Is it the total monthly cost I have left? Or the overall 24 month cost of the phone minus some factor? Or how much it would have cost if I'd bought the phone upfront? Any help is much appreciated, I'm tearing my hair out about how to do this!
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Comments
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Do you need to calculate a value yourself? Can't you just say that your xyz phone was stolen and leave it to the insurer to either replace it or to make an offer for what they think the replacement value is?0
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Your financing method should be irrelivant to the claim.
They may require POP, you should have this.
They may not give new for old and give you the current second hand market value. But they should give you something.
Your claim is mearly for a replacement phone (second hand like yours would be unless they do new for old).0 -
This was excellent, thank you to both the respondents! Really helped me out0
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