Poll: Do you insure your phone?

Do you insure your phone?

  • Yes!

    Votes: 84 26.7%

  • No!

    Votes: 231 73.3%
  • Total voters
    315
Nope, never lost or damaged a phone. Just had a look at Santander to see what's covered by their Premier account insurance, and the gadget insurance only covers items up to £500, so that excludes most smartphones and iPads, so it's pointless.
 
I've only got a samaung galaxy y, im sure you can pick one up for cheap as chips. If mine broke i'd probably just replace it myself rather than using insurance.
 
HeX said:
Mines insured through Virgin Mobile for free as I've got TV/BB with them. Otherwise I wouldn't bother.
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Never heard of this and I am with Virgin Mobile. Got some details?

EDIT: Wow, so they do it appears from the main site.

"Our TV and broadband customers get all this:

Worry free insurance - 24 hour lost or stolen phone replacement (72 hour if you're abroad), worth £7.99 at no extra cost
Unlimited calls and texts to Virgin Mobile numbers"

I wonder if I took my contract out when they included this. I took one out in about June this year.
 
Last edited:
Mines one of my banking benefits I've had my last three phones covered (HTC Wildfire, Samsung Galaxy S2 and now my S3) I've never had to use the insurance yet.
 
I've never bothered with phone insurance as I think it's over-priced. My car insurance is about £300 in case I crash into someone etc or in case it gets stolen. It's not a fancy car by any means, but it's worth a few thousand. My house insurance is about £12 a month in case I come home from work and find I've been burgled or the house has flooded etc and covers me for £40,000 of conents. A phone, well it's a phone isn't it. I might drop it and break it or it might get stolen and that's about it really. I'm not going to write someone's car off with it, and It's not going to go wrong and wreck my house. When I got my iphone 3GS, they tried to hard-sell me the insurance. It was £12 a month with a £50 excess for the first 6 months then dropping to £25. They were saying that if i smash the screen, it will cost £100 to fix. I just said yes, but if I smash it in 3 months, I will have paid £86 with the insurance and the excess so I might as well risk it.

I'm not saying that the idea of insuring a phone isn't worth it and obviously if you have a new phone and it gets stolen after a month, then you are much better of if you took the insurance. It's just the cost.
 
Insure a phone? Are you mad? :p

There again, I wouldn't pay the stupid money these companies want for their products. It's a phone. You use it to make calls and send texts.

I do currently have a smartphone, but it's a pretty cheap Android phone. It was a novelty buy just 'cos I felt like it. Next time I buy a phone, I doubt I'll bother with a smartphone. I just don't use much of the functionality of it. There again, I've never got the whole 'always contactable' thing. I don't want people being able to interrupt me 24/7, and I regularly leave my phone at home when I go out for a wander.
 
I thought there would be a lot more here insuring than not.

Mine's through My Co-op bank privilege account. 4 phones insured each up to a value of £1000, excess of £25 and you don't need to register the phones with them beforehand. May not be as good as dedicated insurance but certainly gives me peace of mind. The account also covers gadget insurance. Costs £9.50 per month.
 
Hamster said:
I thought there would be a lot more here insuring than not.

Mine's through My Co-op bank privilege account. 4 phones insured each up to a value of £1000, excess of £25 and you don't need to register the phones with them beforehand. May not be as good as dedicated insurance but certainly gives me peace of mind. The account also covers gadget insurance. Costs £9.50 per month.
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Same here rocking the Privilege Premier at £13.00 a month on our joint account.
 
It's part of my contents insurance - so yes.

If it wasn't, I probably would. Have never had to use it before, but then again I'm careful. However, if it breaks or is stolen, I can get a like for like replacement. And the fact that I pay so little for it it that to actually pay the value of the phone would take 10 years of payments. So yes, very much worthwhile.

It's an important part of my life (how sad is that?!) so cannot really afford for it to break and/or not be replaced.
 
Freefaller said:
It's part of my contents insurance - so yes.
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But what's your excess on the contents insurance?

For me it's £500, so while I could technically claim for the phone, in practice it would not be worthwhile (unless I lost the phone with other items in a break-in / fire, which would be unlikely since my phone is rarely beyond my sight).
 
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