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  • FIRST POST
    • wizzywig27
    • By wizzywig27 7th Aug 18, 12:22 PM
    • 1,216Posts
    • 798Thanks
    wizzywig27
    Packed Account Mobile Phone Insurance
    • #1
    • 7th Aug 18, 12:22 PM
    Packed Account Mobile Phone Insurance 7th Aug 18 at 12:22 PM
    I have the silver account with NatWest. I intend on using this to cover my mobile phone (as well as using the other products). Anyway, my partner has upgraded to the same account to cover hers, but I have just thought, both handsets are on in my name on my account - does this mean she will be able to claim?

    This also makes me wonder - does this mean in theory I am covered for two handsets (as both are on my name)?

    Also, what if we were to lose both handsets at the same time? One is hers what she pays for, and one is mine, its just they are both on my account.

    I have tried to contact NatWest but there is a long wait time, and tried chat but they are useless.

    Ta
Page 1
    • Westie983
    • By Westie983 7th Aug 18, 2:11 PM
    • 4,571 Posts
    • 15,092 Thanks
    Westie983
    • #2
    • 7th Aug 18, 2:11 PM
    • #2
    • 7th Aug 18, 2:11 PM
    Yes you will be covered for both phones, but worth knowing you can only make two claims per year, as your partner has upgraded to the same account you have both phones covered via the two accounts.

    Another option could be to make the account joint so you only pay one lot of fees and charges but you have both phones covered (one each) and can make four claims per year.

    When you say they are both on your account do you mean your mobile contract account rather then the bank account, this shouldn't make a issue as you can prove ownership of both phones as your partner pays for her own I'm assuming via the bank account.

    Westie983
    Save 12k in 2018 #10 Total (25000)+15300/12000 = 127.50%
    Sealed Pot Challenge ~ 11 #97 Total (410) + 40/500 = 8.00% ( x 11)
    Xmas 2018 1 a Day #2 Total 115.00/365 = 31.50%
    Virtual Sealed Pot #1 Total 1200/1000 = 120.00%
    2 Savers Club 2018 #16 Total (1500)+-470/2000 = 51.50%

    Total 17,685.00/15865 = 111.47%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • wizzywig27
    • By wizzywig27 7th Aug 18, 2:15 PM
    • 1,216 Posts
    • 798 Thanks
    wizzywig27
    • #3
    • 7th Aug 18, 2:15 PM
    • #3
    • 7th Aug 18, 2:15 PM
    Hiya, no she transfers me the 'bill money' to my account and one payment for both handsets come from my account
    • Westie983
    • By Westie983 7th Aug 18, 2:23 PM
    • 4,571 Posts
    • 15,092 Thanks
    Westie983
    • #4
    • 7th Aug 18, 2:23 PM
    • #4
    • 7th Aug 18, 2:23 PM
    Hiya, no she transfers me the 'bill money' to my account and one payment for both handsets come from my account
    Originally posted by wizzywig27
    Ah okay,

    you need to find out how many phones you can have registered on your account. I would assume it would be one per account holder.

    Send Natwest a message to find out, if its is only one per account holder a joint account will solve the issue, if you wish to link your credit files, if not then it will probably be one handset and two claims a year.

    Westie983
    Save 12k in 2018 #10 Total (25000)+15300/12000 = 127.50%
    Sealed Pot Challenge ~ 11 #97 Total (410) + 40/500 = 8.00% ( x 11)
    Xmas 2018 1 a Day #2 Total 115.00/365 = 31.50%
    Virtual Sealed Pot #1 Total 1200/1000 = 120.00%
    2 Savers Club 2018 #16 Total (1500)+-470/2000 = 51.50%

    Total 17,685.00/15865 = 111.47%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • wizzywig27
    • By wizzywig27 7th Aug 18, 2:37 PM
    • 1,216 Posts
    • 798 Thanks
    wizzywig27
    • #5
    • 7th Aug 18, 2:37 PM
    • #5
    • 7th Aug 18, 2:37 PM
    Hiya, what I am saying is that we both have the silver account, mine is no problem as the handset/account is in my name. The problem being is that if she loses her phone or damages can she claim as the handset is in my name although she has 100% of the use on it AND pays for her usage and call package etc
    • eskbanker
    • By eskbanker 7th Aug 18, 3:27 PM
    • 8,225 Posts
    • 9,238 Thanks
    eskbanker
    • #6
    • 7th Aug 18, 3:27 PM
    • #6
    • 7th Aug 18, 3:27 PM
    Hiya, what I am saying is that we both have the silver account, mine is no problem as the handset/account is in my name. The problem being is that if she loses her phone or damages can she claim as the handset is in my name although she has 100% of the use on it AND pays for her usage and call package etc
    Originally posted by wizzywig27
    According to https://personal.natwest.com/content/dam/natwest_com/nw-assets/pdfs/NWB8147-30-April-18.pdf, "Only the phone you use on a daily basis is covered", i.e. it's about usage rather than whose telco account it's associated with (except for employer-owned phones, which aren't covered).

    This is also reinforced by "You wont be covered for phones used on a daily basis by family or friends even if you pay the bill", i.e. you couldn't claim for her phone on your Silver account.

    So, if you both have Silver accounts, you can each claim only for the phone you each use, although, as Westie says, a joint account would effectively give the same cover for half the price!
    • 18cc
    • By 18cc 7th Aug 18, 5:12 PM
    • 800 Posts
    • 530 Thanks
    18cc
    • #7
    • 7th Aug 18, 5:12 PM
    • #7
    • 7th Aug 18, 5:12 PM
    Yes good advice re the joint account but just be aware that that will create a financial Association between yourselves and that you are jointly and severally liable for eg fees overdraft repayments etc

    You of course may not have any problem with this but it is best to be aware what you're getting yourselves into
    • realaledrinker
    • By realaledrinker 9th Aug 18, 12:44 AM
    • 1,602 Posts
    • 552 Thanks
    realaledrinker
    • #8
    • 9th Aug 18, 12:44 AM
    • #8
    • 9th Aug 18, 12:44 AM
    Do you have a car? Do you take holidays overseas? If so move to Nationwide Flexplus on a joint account.

    13/month but pays 3% interest on 2,500. So I get 6 or so back. For a net fiver a month we get 2x car breakdown, family worldwide travel insurance, fee free near perfect exch rate ATM withdrawals abroad, access to Select Credit Card near perfect exch rate purchases abroad & phone insurance for up to 4 phones. No brainer.

    Oh and if you have a mate already with NW you can get 100 each if he/she recommends you.
    Last edited by realaledrinker; 09-08-2018 at 12:55 AM.
    Ethical moneysaver
    • wizzywig27
    • By wizzywig27 9th Aug 18, 9:06 AM
    • 1,216 Posts
    • 798 Thanks
    wizzywig27
    • #9
    • 9th Aug 18, 9:06 AM
    • #9
    • 9th Aug 18, 9:06 AM
    I have a nationwide account already, but its only a basic one and they wont upgrade it. It was my first preference but despite an appeal against the decision due to massive change in circumstances they still said no.

    Hey ho
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