Iphone insurance

[I get around]

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

I did look at these guys but the excess was like £100, I don't mind paying £50 but £100 takes the urine slightly.
And it was about £17 for the first 3 months then £5 a month after from what i could tell.

 

[charltonfan1]

http://www.cusc.co.uk/phones/cover

£60pa if paid in one go

"Is there any excess payable when making a claim?

Yes, £25 is payable against all valid claims. For all 3G phones an excess of £50 will be charged." £50 excess as far as i know

 

[I get around]

I don't have the dosh to put forward £60 at once. Not if i'm trying to save for uni.

Already got some insurance anyway. Cheers guys.

 

[Morba]

if you are trying to save for uni, why are you paying out for something like an iphone ;]

 

[I get around]

Because I can get it for free on my contract, I'm a heavy user and that aint gonna change when I go to uni?

 

[mark66]

Just to add to posts reference insurance as part of your bank account...

I have a Lloyds TSB Platinum current account and this provides free mobile insurance. I have just called to check and they cover any handset up to £2000, with the standard things; theft, accidental damage, water and liquid damage, electrical and mechanical failure and unauthorised calls.

They also said I could add another family members phone to the same deal for just £5 a month. So definitely worth checking if other family members have a similar account and attach yours to theirs.

 

[arigold]

When you do claim, is the receipt the only proof of purchase? how about an eday bid or paypal print out?

 

["andy"]

When you do claim, is the receipt the only proof of purchase? how about an eday bid or paypal print out?

with lloyds you dont need anything really. if they ask for it then they ask when you take out the policy and give them the imei number etc

 

[arigold]

Just called the bank, apparently when you do try to claim back for loss/theft/... you need a proof of purchase, and if you don't have a receipt, you can get a proof of purchase from the operator, as they can tell which phone the Sim Card is used in via IMEI number

 

[GreenMint]

My Natwest advantage gold covers mine nicely, amongst lots of other stuff!

 

[Vinnylupo]

My Natwest advantage gold covers mine nicely, amongst lots of other stuff!

When i asked if they cover an iPhone they said that on the Gold account they dont cover any phone over £400.

 

["andy"]

surely claiming 400 is better than paying 7.50 a month or whatever some people in here are paying

 

[Stellios]

Lloyds Silver account is what im doing. European travel insurance, AA Breakdown Cover and mobile phone insurance all for £7.50 a month

 

[drdimmer]

In your opinion, would buying the iphone on o2 payg then using a simplicity sim make it harder to insure as your not using the sim that came with the card?

 

[GreenMint]

Thats exactly what I have done, Natwest were fine with the insurance, didn't even mention the circumstances of my contract etc..

 

[drdimmer]

cheers, im looking at jsinsurance.co.uk, they're underwritten by AXA and look like a reasonable company.

 

[GreenMint]

Hopefully they'll be fine then mate, as said I can't offer any practial knowlege on them, but Natwest just wanted the make, model, IMEI and that was all, possibly serial too I think,