Poll: Do you insure your phone?

[SKILL]

I've had mobile phones for 9 years now, and did initially have insurance for a few years, but not once have I lost or damaged my phone to the extent it needs replacing, so I no longer bother with insurance for it.

I did check my bank, a tenner a month for the extra stuff but that gave me a limit of £250 iirc for phones/gadgets which is kinda useless, I don't need breakdown cover and the travel insurance didn't cover scuba diving so again kinda useless to me as the few times I go on holiday I go diving as well.

Also until recently I didn't bother with contents insurance either, did get that recently but the added cost for adding phones/gadgets (to the otherwise cheapest/best policy I could find) was about £70, again not worth it, imo.

If I do lose the phone, or break it, or even get mugged I have a spare phone to use temporarily and I'll buy a new phone (or get an upgrade) as and when I get around to it, but that's not exactly a regular occurrence

 

[Seanoog]

NO: I have never insured a mobile in 15 years.

I have recently reconsidered not insuring mobiles. Just from the common sense perspective of owning £300+ mobile. Thats a lot of money to lose.

In 15 years, I have dropped mobiles. Scratching an denting it, thankfully not breaking it.
Realised I left one in a taxi, an got it back.
So never lost one, so felt insurance was pointless.

 

[jdavies62]

The big question is if you lost it, could you afford to replace it, which depends on the phone you have I guess.

 

[KnightStalker]

Only reason mine is insured is because its part of my bank account thing, never insured a phone before that.

 

[thingemajib]

im really in two minds about this. Last time i got a shiny new phone i got insurance bundled with it, first three months free and i think 6 quid a month after that. About two weeks in, my unprotected shiny new phone fell out of my pocket and hit a chair leg, shattering the screen (gorilla glass my ****). A reasonably lengthy call and £25 excess later my phone was sent off and repaired (did some digging, at the time replacement screens were £120), so I was quite happy with the service. I had the insurance 6 months in total, then i cancelled due to me moving to america and not being covered out there. Haven't bothered with it since i've been back in the UK. So in the short term i think i beneftted from it.

On the flip side, after this ordeal i got a £2 case and the phone itself is almost unblemished to this day! Had i got that in the first place i may not have needed the insurance at all...

 

[Hades]

I don't insure my phone. I did lose it this year. But I've had phones since the mid 90's and that was three first one i have lost. So Overall it had been much cheaper not to insure it and to simply replace that one phone than it would have been to pay monthly insurance for at least 15 years.