Overclockers UK Forums Click here for more details
Free Shipping for Loyal Forum Members - CLICK HERE

Go Back   Overclockers UK Forums > Life > General Discussion

Reply
 
Thread Tools
Old 9th Feb 2012, 09:45   #1
HAz
Capodecina
 
HAz's Avatar
 
Joined: May 2003
Location: Torquay Devon
Posts: 10,146
halifax mobile phone insurance claim

Basically I got a new Samsung galaxy nexus and had it almost 3 weeks now, and yesterday I cracked the screen some how when it was in my pocket.
Now I haven't had chance to update halifax with my new phone details as they have my 3gs on file still, and I'm worried if I ring up they will say they won't honour the claim for me Samsung.
I'm not sure weather I should update my details to my new phone then wait a week to make a claim?

Gigabyte Z77X-UD5H, i5 3570K ivy @ 4.8GHZ, 16GB Corsair Ballistic 1600, Msi 980 ti, 2x m4 128gb, custom water cooled, 2meg ATTH (aluminium to the home)
HAz is offline   View trust for Reply With Quote
Old 9th Feb 2012, 09:49   #2
anticonscience
Caporegime
 
anticonscience's Avatar
 
Joined: Jan 2003
Location: Stratford-Upon-Avon
Posts: 32,178
So basically you either commit insurance fraud, or you don't?

anticonscience is offline   View trust for Reply With Quote
Old 9th Feb 2012, 10:00   #3
Malc
Wise Guy
 
Malc's Avatar
 
Joined: May 2004
Location: Manchester
Posts: 1,382
Yes it's that clear cut.

With Halifax's Ultimate Reward account which costs 15 per month you get insurance for one phone at a time with a 30 excess. It's sold as if it includes insurance for your current mobile phone. Therefore if you forget to update the details when you change your phone, whilst technically your new phone isn't insured, you're hardly commiting high gain insurance fraud.

Just change the details on the system. Wait a couple of days then claim. You're paying for the insurance anyway.
Malc is online now   View trust for Reply With Quote
Old 9th Feb 2012, 10:09   #4
anticonscience
Caporegime
 
anticonscience's Avatar
 
Joined: Jan 2003
Location: Stratford-Upon-Avon
Posts: 32,178
Quote:
Originally Posted by Malc View Post
Yes it's that clear cut.

With Halifax's Ultimate Reward account which costs 15 per month you get insurance for one phone at a time with a 30 excess. It's sold as if it includes insurance for your current mobile phone. Therefore if you forget to update the details when you change your phone, whilst technically your new phone isn't insured, you're hardly commiting high gain insurance fraud.

Just change the details on the system. Wait a couple of days then claim. You're paying for the insurance anyway.
Well on that assumption then, why not just ring up, be honest with them, explain the situation and see what they say.

anticonscience is offline   View trust for Reply With Quote
Old 9th Feb 2012, 10:48   #5
craig_kennedy83
Mobster
 
craig_kennedy83's Avatar
 
Joined: May 2007
Location: Glasgow, Scotland
Posts: 2,973
I have the same phone insurance.

I used them to sort out my sgs2 when it got cracked, was really quick... surprisingly so!

Basically I think they want you to keep them up to date with the iemi of the phone you want to keep insured. I'm quite sure its simple enough to change the details then make a claim I swapped my sgs2 for another one now and haven't updated my details, but if anything happens that's what I'll be doing.

Plaese read the FAQ regadring singatrues
craig_kennedy83 is offline   View trust for Reply With Quote
Old 9th Feb 2012, 10:59   #6
Davepen
Wise Guy
 
Joined: Feb 2009
Location: Midlands
Posts: 1,879
Quote:
Originally Posted by anticonscience View Post
Well on that assumption then, why not just ring up, be honest with them, explain the situation and see what they say.
Honesty with mobile insurance, gets you nowhere.

My ex lost her phone at a festival once, was unable to call up and report it for 2 days cause we all had no battery, reported it when she got home, they then would not replace it as she had taken too long to report it missing.
Davepen is offline   View trust for Reply With Quote
Old 9th Feb 2012, 11:02   #7
Cyanide
Mobster
 
Cyanide's Avatar
 
Joined: Mar 2006
Location: Nottingham
Posts: 3,912
If you do it and they get the slightest indication your facts aren't straight they'll haul your claim through the fraud team and your file will be flagged for all future claims. Be careful.

You're best doing as anticonscience says and just calling up and being honest, if you can prove you've had an upgrade recently they might be ok with it. If they're not and you've already asked about it then for the love of god don't call up a few days later having changed the phone details...

Cyanide is offline   View trust for Reply With Quote
Old 9th Feb 2012, 11:16   #8
Davepen
Wise Guy
 
Joined: Feb 2009
Location: Midlands
Posts: 1,879
I can confirm that unless the phone is registered to be covered, they wont cover you.

I also have my phone insurance with Halifax, I called them up thinking I had lost my phone, but it wasn't registered with them.

The lady on the phone actually told me to see if I could find out the IMEI number from my phone company, register the phone, and then call them back and make a claim.

My suggestion to you would be, get the IMEI number of the phone, register it for cover, then make a claim at a later date.

It's not fraud, you have been and still are paying for the insurance.

The IMEI number confirms that it is your phone, it's not like you are claiming for a phone that is not yours.
Davepen is offline   View trust for Reply With Quote
Old 9th Feb 2012, 11:22   #9
Frenzy
Soldato
 
Frenzy's Avatar
 
Joined: Sep 2009
Location: Limbo
Posts: 5,094
Id you do manage to get the phone covered and replaced by them then let me know your experience. I have only heard bad things so far.

i7 2600K 4.2 P8Z77-VLX 8GB DDR3 GTX 980Ti ZxR S27A950D 8.1 64 Steam Twitch: Creomortis
Frenzy is offline   View trust for Reply With Quote
Old 9th Feb 2012, 12:09   #10
HAz
Capodecina
 
HAz's Avatar
 
Joined: May 2003
Location: Torquay Devon
Posts: 10,146
Quote:
Originally Posted by craig_kennedy83 View Post
I have the same phone insurance.

I used them to sort out my sgs2 when it got cracked, was really quick... surprisingly so!

Basically I think they want you to keep them up to date with the iemi of the phone you want to keep insured. I'm quite sure its simple enough to change the details then make a claim I swapped my sgs2 for another one now and haven't updated my details, but if anything happens that's what I'll be doing.
hi did they send you a new phone or was it repaired?

Gigabyte Z77X-UD5H, i5 3570K ivy @ 4.8GHZ, 16GB Corsair Ballistic 1600, Msi 980 ti, 2x m4 128gb, custom water cooled, 2meg ATTH (aluminium to the home)
HAz is offline   View trust for Reply With Quote
Old 9th Feb 2012, 12:16   #11
territt
PermaBanned
 
territt's Avatar
 
Joined: Jan 2009
Location: Ramsgate, Kent
Posts: 1,334
Halifax dont need your phone details for it to be covered, just quicker for them if you tell them the details before, they fixed my Iphone :-)
territt is offline   View trust for Reply With Quote
Old 9th Feb 2012, 12:34   #12
TommyV
Soldato
 
TommyV's Avatar
 
Joined: Oct 2008
Posts: 6,375
Quote:
Originally Posted by Malc View Post
Yes it's that clear cut.

With Halifax's Ultimate Reward account which costs 15 per month you get insurance for one phone at a time with a 30 excess. It's sold as if it includes insurance for your current mobile phone. Therefore if you forget to update the details when you change your phone, whilst technically your new phone isn't insured, you're hardly commiting high gain insurance fraud.

Just change the details on the system. Wait a couple of days then claim. You're paying for the insurance anyway.
I tried this with Orange a few years back.

- Wasn't insured, phone fell in a puddle.
- Bought insurance, went on holiday for 2 weeks (SIM was in a different phone during this period)
- Phoned them to claim, and they knew exactly from what date I had my SIM in another phone and caught me out. Ended up having to pay for a new handset (although this was very cheap anyway)

Was pretty embarrased, but I learnt a lesson


4790k, 16GB, 290 Vapor-X, Z97-G7
TommyV is offline   View trust for Reply With Quote
Old 9th Feb 2012, 13:23   #13
Myshra
Mobster
 
Joined: Mar 2010
Location: M4 Corridor
Posts: 4,440
It's hard not to smile reading your comment Tommy as I work for Orange and absolutely tons of people try this on along with variations of it. As this is with the Halifax I'd just register the IMEI today, wait 8 days then register the fault. As it's cracked and not shattered the digitizer should still work, phone should be OK until then.

With all insurance I'd always try to make sure to keep reasons they wouldn't pay out to a minimum because it's their goal not to pay. You just have to play to their rules.
Myshra is offline   View trust for Reply With Quote
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT. The time now is 06:49.


Powered by vBulletin®
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.
Overclockers UK (Ocuk Ltd)