Forgot to insure my iPhone ...

MR_Punk

MR_Punk

MR_Punk

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Joined
23 Mar 2004
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Up t'north
It never even crossed my mind and I am quite shocked I wasn't offered it when I got it from the Apple shop. So I rang O2 to sort some cover out and they say I am passed 28 days so they can't offer me any. 3rd party insurers don't sit well with me and I'm wondering what to do...
 
Actually the problem isn't so much the claim it's getting hold of a phone off of contract. Can you buy it (not from ebay) without contract yet? If not then all the insurance pay-out in the world's not going to help you.. You'd need it through O2 or not at all..
 
You can just buy another phone from the Apple store (at the normal price for your tariff), and get your O2 contract moved over to the new phone. It will trigger a new 18 month contract though, but you don't have to pay for the old one.

I think Apple impose those conditions on all iPhone service providers.

The various iPhone insurance policies are so expensive compared to buying a new one that it's only worth insuring it if you're worried about the cost of calls if someone gets hold of it. So long as you manage not to lose/break/have it stolen in the first 9 months or so (from memory - looked at it briefly before I went on holiday recently!), the insurance will cost more overall...

Watch out for some of the 3rd party iPhone insurance policies - they aren't new-for-old. You'll get a refurb unit ("of equivalent age and condition" it said in the T&Cs of one I looked at).

Jim
 
In the same situation here. I am going to look into a Bank insurance that my wife has, i know that we used it one year when our kitchen flooded and is separate from our house insurance, been told by o2 that i may be able to add it to this....

Now that you will be able to buy pay as you go iphones, could you not just buy one of those and slip your contract sim into it?
 
fini said:
Actually the problem isn't so much the claim it's getting hold of a phone off of contract. Can you buy it (not from ebay) without contract yet? If not then all the insurance pay-out in the world's not going to help you.. You'd need it through O2 or not at all..
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Surely you just ring O2, say you've had your phone lost/stolen/damaged. They say 'ok, it'll cost you X for us to send you a new one'. Then send that bill to your insurance?
 
So i guess that resolves how you would get hold of an iphone if you had insurance from anyone other than o2.
 
fini said:
Do you actually know they'll do this though or are you just presuming?
Click to expand...

I worked for them until Tuesday and it was confirmed in one our regular Update Briefs 2 weeks ago, so yes I'm 100% certain. Costs £349.99 for the 8gig. Can't remember the 16 at the moment. Probably £100 more.
 
Brilliant - that makes things much easier. So house insurance would seem the best idea (unless you're already covered through your bank (some accounts offer this as standard)).
 
Some bank accounts do offer it as standard IF you register the phone with the nominated insurance company. Don't just assume you're covered.
 
Well I managed to get some insurance sorted, always helps when you have a friend who works there. I can throw it around now and not worry. Yipee....
 
All you need to do (which I also need to do myself) is tell your House Insurance as stated. Its a personal belonging that is taken out of the house with you. As long as it's listed most things like lost/stolen are covered.

Full piece of mind would be Apple Care, but I'm not sure about the package details.
 
i would really like to buy applecare for my iPhone.... but you cant get it in the UK ( which is crazy imo )

Can anyone recommend some good value 3rd party insurance for iPhone 2G/3G?

Ive seen some some for £50 up front and £50 when you loose it/break it = £100

Thats crazy - could insure a whole house for that.

tnx
 
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