Phone/gadget insurance

theNude

theNude

theNude

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Joined
10 May 2006
Posts
2,334
Howdy,

Just ordered a Note 2..

my last phone (HTC Desire HD) I lost after about 4 months with no insurance so I had to use a rubbish phone for the duration of the contract... So i am keen to insure this one.

I just checked protect your bubble and the price seems good, however I note their insurance limitations. You can only claim a maximum of 2 claims in 1 year and only 1 of each peril. i.e. you cannot lose the phone twice.. I am wondering if there are any better alternatives.

Many thanks

Nude dude
 
The best alternative is to just look after your stuff - put a bit more effort in and pocket the money you'd otherwise spend on insurance. Insure things you cannot afford to replace - your house, your car, yourself when on holiday. Not trivial electronics, its just money for nothing.
 
Waste of money. You can usually cover your phone for a fairly reasonable amount on your home insurance (or sometimes through your bank), much better value than paying £10 a month or whatever dedicated phone insurance costs these days.
 
Most banks would charge a monthly fee to have mobile cover (obv they have extra benefits like car breakdown,travel ins etc etc) if you don't need the additional benefits get a dedicated insurance: protect your bubble or a high street retailer.

Yes it may cost a quid or two more but in most cases you get your phone next working day which cannot be matched by any bank atm. (My wife made a claim through Natwest did get the phone but it took 23 days to get it - she paid £7.99/m for a select silver account I think).

Of course staying 'careful' is the ideal option but then again I personally never believed in mobile insurance until someone stole my phone and I had to live without a decent phone for almost 13 months. I think I pay around £6.99/m and am happy with it having made a claim recently on my S3 it's already paid for itself for the year anyway.

BTW home insurance should cover your phone but if you make a claim premiums go up for the whole policy.
 
Utter waste of money, especially in the second year of a contract when the phone has already lost more than 50% of its value.

Also think how much of your premium is paying towards fraudulent claims, it must be the easiest bit of insurance fraud out there. "umm yeh officer, I had the phone this morning and now I don't".
 
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