iPhone 4 Insurance?

Diggsy · 24 Jun 2010 at 22:57

Guys, what companies are the best for iPhone insurance? There isn't a rats chance in hell that I am going to pay O2 £15 a month for insurance :eek:

Am planning on ringing my house insurance provider tomorrow in the hope that it can be covered on there. Fingers crossed

no_1_dave · 24 Jun 2010 at 23:57

Get it with a ltsb account.
accounts with phone insurance are only £8
You get AA and basic EU travel insurance included too

Diggsy · 25 Jun 2010 at 00:05

no_1_dave said:
Get it with a ltsb account.
accounts with phone insurance are only £8
You get AA and basic EU travel insurance included too

That looks like a pretty decent option, thanks

The_Abyss · 25 Jun 2010 at 00:30

Check the level of phone insurance. IIRC, Lloyds TSB current account phone insurance will only cover an amount up to £360 for the handset.

no_1_dave · 25 Jun 2010 at 00:39

The_Abyss said:
Check the level of phone insurance. IIRC, Lloyds TSB current account phone insurance will only cover an amount up to £360 for the handset.

They used to.
They now cover all phone including the full value of the iphone 4.
I made sure of that when I phoned and added my iphone on the insurance today!

The_Abyss · 25 Jun 2010 at 09:51

Sounds better, but I'd still check the paperwork when it arrives. I wouldn't trust what a bank says over the phone...

Meatball · 25 Jun 2010 at 10:38

Has anyone tried iphoneinsurancecover.co.uk ? The website seems legit however they make no mention of iPhone 4 insurance only 2G, 3G and 3GS.

BigKahunar · 25 Jun 2010 at 10:43

I've been lucky, because I got my O2 insurance when I got my iPhone 2G, so it's still only 7.50 and O2 are honouring it for my iPhone 4.

littledave · 25 Jun 2010 at 21:49

BigKahunar said:
I've been lucky, because I got my O2 insurance when I got my iPhone 2G, so it's still only 7.50 and O2 are honouring it for my iPhone 4.

How did you manage that?

I have 2 x 3GS Contracts ending 16/07/2010

Squink · 26 Jun 2010 at 00:09

The_Abyss said:
Sounds better, but I'd still check the paperwork when it arrives. I wouldn't trust what a bank says over the phone...

Up to £2000 for repair or replacement, according to their website . Should be enough to cover all bar a gold-plated iPhone

waspy88 · 26 Jun 2010 at 10:29

Crikey on the O2 one you still have to pay an excess. I am wondering whether Hiscox will cover it. After all I have been reading about the glass I am scared now.

Kawolski · 26 Jun 2010 at 13:13

Currently have this with RBS.

Mobile Phone Insurance – you're covered for one mobile phone and SIM card against accidental or malicious damage, loss and theft up to a maximum retail value of £1000 (including VAT). You're also covered for up to £1500 (including VAT) of unauthorised calls per claim for monthly contract phones and up to £100 (including VAT) for pay-as-you-go.

I've only been paying £5 insurance on all my phones from o2 for the last 5 years.
When I first signed up it was called Gold Insurance which meant I could upgrade my handset every 6 months. That perk ended, insurance still remained £5, switched to the 3G and it still stayed a fiver.
When I got my 4 on Thursday the fella asked if I wanted to pay the £15 for insurance. I politely declined.
For the £12 I pay a month with my bank I get phone insurance,Green Flag cover, Holiday Insurance, Extra 2 years extended warranty on purchases of household electrical items. Plus a whole heap of other benefits.
No brainer really.
My suggestion:
Have a chat with your banks, see what they have to offer.

waspy88 · 27 Jun 2010 at 21:46

Does anyone else have any other Insurance ideas?

The Barclays phone insurance only covers to £250

KotFM · 27 Jun 2010 at 22:38

waspy88 said:
Does anyone else have any other Insurance ideas?

The Barclays phone insurance only covers to £250

Is this through a bank account, or a separate insurance policy?
I've just registered mine through an additions account, and it doesn't mention a £250 limit :confused:

Well, it does, but that is for phone accessories.

Slackworth · 28 Jun 2010 at 00:55

Natwest offer the same as the RBS account above. Got mine covered already (iPhone 4 is listed on their system already).

Moredhel · 28 Jun 2010 at 07:48

Lloyds cover up to £2000 for the cost of a replacement handset.

waspy88 · 28 Jun 2010 at 12:39

http://www.mobilephoneinsurancedirect.com/?type=iphone&gclid=CIbhkoDZwqICFR9k4wod5CXD5A

Just under £7.00 a month on here, anyone know if there is anything dodgy with these lot?

Gas Panic! · 28 Jun 2010 at 15:02

waspy88 said:
The Barclays phone insurance only covers to £250

Rubbish. It covers the loss of the entire phone, unauthorised calls up to £2000, and accessories up to £250. You have to pay a £25 excess, though.

Check the website: http://www.lifestylegroup.co.uk/barclays/

iMacMart · 28 Jun 2010 at 15:49

Just called my insurance

£4 per month extra
Covers full cost of handset, lost, stolen, damage
Cover for UK and Europe
£150 unauth'd calls
10% excess

Sounds ok to me

waspy88 · 28 Jun 2010 at 16:15

Gas Panic! said:
Rubbish. It covers the loss of the entire phone, unauthorised calls up to £2000, and accessories up to £250. You have to pay a £25 excess, though.

Check the website: http://www.lifestylegroup.co.uk/barclays/

Cheers for that link mate. I shall register the details through that

The £25 excess is better than the outrageous £100 excess O2 want you to pay seriously are they on crack!?