Iphone insurance

I get around · 21 Jan 2010 at 09:37

My iphones on the way, 32gb 3GS, and I want to insure it, the only trouble is finding a reasonable insurance company.
I'm pretty terrible with dropping phones so accidental damage with a low excess is my main worry. Don't mind paying up to a tenner a month.

Anyone care to recommend a good company?

buckeejit · 21 Jan 2010 at 18:19

I get around said:
My iphones on the way, 32gb 3GS, and I want to insure it, the only trouble is finding a reasonable insurance company.
I'm pretty terrible with dropping phones so accidental damage with a low excess is my main worry. Don't mind paying up to a tenner a month.

Anyone care to recommend a good company?

I have an iPhone and my insurance is with 02, £7.50 a month. Covers theft etc. but doesn't cover faults :rolleyes:

I get around · 21 Jan 2010 at 18:33

I'm with vodafone so 02 insurance is out.

What is vodafone like?

Strikeforce · 21 Jan 2010 at 18:40

Vodafone iPhone insurance is £12.99. Are you sure your insurance plan on o2 covers your iPhone?

Might be best to look at your home content insurance or with your bank.

I get around · 21 Jan 2010 at 19:15

http://www.2u.co.uk/iPhoneInsurance/

Well I went for these guys in the end, best compromise on price and package as far as I can tell.

UberTiger · 21 Jan 2010 at 19:30

They don't look bad, I'm looking for iPhone insurance too but they only cover UK purchased phones. Any idea if there's anyone that'll insure ones bought from the States?

buckeejit · 21 Jan 2010 at 19:45

Strikeforce said:
Vodafone iPhone insurance is £12.99. Are you sure your insurance plan on o2 covers your iPhone?

Might be best to look at your home content insurance or with your bank.

yes.

ashatron · 22 Jan 2010 at 02:22

buckeejit said:
yes.

Definately.

my bro pays £10 a month for complete cover on his phone, thats loss, theft, accidental damage. He also splits it with his house mate, so he actually pays £5 a month.

Home insurance is always cheapest but often overlooked.

Froomer · 22 Jan 2010 at 13:26

Strikeforce said:
Vodafone iPhone insurance is £12.99. Are you sure your insurance plan on o2 covers your iPhone?

Might be best to look at your home content insurance or with your bank.

Vodafone want me to pay £12.99 per month for my wifes IPhone. I pay £30 per month for my house & contents with accidental damage and away from home cover!! Oh and £40 per month for a £20k car!! :confused:

MRB61 · 23 Jan 2010 at 20:56

UberTiger said:
They don't look bad, I'm looking for iPhone insurance too but they only cover UK purchased phones. Any idea if there's anyone that'll insure ones bought from the States?

You may find it difficult to find an insurer prepared to cover an iPhone purchased in the states. If you live in the states try SquareTrade.com as most insurers in the UK will only cover iPhones purchased in the UK.

Regarding loss this was covered by many iPhone insurance providers until about 3 months ago, but I was recently informed from someone who works in the industry that loss was dropped from the iPhone policy due to the high volumes of fraudulent claims.

You could try Insurance4Mobiles or iProtect they both offer cheap cover for mobile gadgets.
http://www.insurance4mobiles.co.uk/iphone.html
http://www.iprotectinsurance.co.uk/products/gadget-insurance/

Iphone Warranty Insurance in the states:
http://www.squaretrade.com/pages/

Morba · 23 Jan 2010 at 21:52

Froomer said:
Vodafone want me to pay £12.99 per month for my wifes IPhone. I pay £30 per month for my house & contents with accidental damage and away from home cover!! Oh and £40 per month for a £20k car!!

you are probably less likely to claim for house / car than you are for the phone.

Froomer · 24 Jan 2010 at 12:13

Morba said:
you are probably less likely to claim for house / car than you are for the phone.

You are probaly right about the house.. but as for the car I reckon theres more risk as it involves 3rd partys aswell.

chimaera · 25 Jan 2010 at 07:27

12.99 is a total rip off, i pay that much to get a plus account with my bank which comes with free mobile insurance (loss, theft, accidental damage, water and liquid damage, electrical and mechanical failure and unauthorised calls).

But that also includes global family travel insurance and preferential rates plus a dozen other things that come in handy.

Phone insurance is a big money maker, yes the risk is higher but you're paying £150 every year which is almost what i pay to insure my entire home and possessions.

ssharp59 · 25 Jan 2010 at 07:52

I always got told to upgrade bank account and have the phone insured though the bank.

Froomer · 25 Jan 2010 at 09:03

chimaera said:
12.99 is a total rip off, i pay that much to get a plus account with my bank which comes with free mobile insurance (loss, theft, accidental damage, water and liquid damage, electrical and mechanical failure and unauthorised calls).

But that also includes global family travel insurance and preferential rates plus a dozen other things that come in handy.

Phone insurance is a big money maker, yes the risk is higher but you're paying £150 every year which is almost what i pay to insure my entire home and possessions.

My point exactly. Complete rip-off!

I get around · 25 Jan 2010 at 09:36

Think about how flimsy the iphone is compared to your home or your car?
It's likely to break at some point, likely to be stolen as they sell in pawn shops for a good whack and are much easier to steal by an oppurtunists.

Iphones are expensive phones and very high risk.

I mean I pay £1400 a year for car insurance, third party. I got quoted more than a cars worth many a time. Because I was high risk being young, it's just how insurance works unfortunately. High risk = high premuim.
If I was paying £120 a year on a car wortn £500 i'd be ecstatic.

Anyways it's not like people are gonna go without insurance, you've gotta be mad to get a phone worth over £500 and then leave it to chance, even if you're severely delicate with phones.

biron_w · 25 Jan 2010 at 09:58

What bank are you with?Some banks have accounts that you pay for but offer a few extras usually including phone insurance.I know halifax and yorkshire bank do.
I'm with yorkshire bank and pay £10 a month this includes phone insurance,breakdown cover and travel insurance as well.

I get around · 25 Jan 2010 at 10:11

HSBC. I've heard a lot of bank policys don't cover smartphones.

Reality Bites · 25 Jan 2010 at 12:10

I get around said:
HSBC. I've heard a lot of bank policys don't cover smartphones.

barclays will cover the iphone for £5 per month

charltonfan1 · 25 Jan 2010 at 23:03

I use www.cusc.co.uk and it comes to £60pa