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VHI Multi-trip-Can I fight this?
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24-02-2011 12:56pm#1Hi folks,
Was away in Austria last month and had my phone stolen. It was a HTC Desire smart phone (I know-ouch!), Sim Free value €425 (Carphone Warehouse), got it as a present at xmas (i know-double ouch!), so i got the police report etc,
VHI Multi-trip have a personal effects insurance for up to €400 but I rang them up to see how they were assessing the claim and they told me that there is a clause in the small print that only covers the cost of a mobile phone up to a €100, then theres a €85 excess and the phone value is subject to depreciation! From the sounds of things I could be lucky to get a tenner from them?:mad:
Is this right? Could I argue that it was a PDA or something? Could I say a smartphone and a mobile phone are two completely different devices?? Any advice or am I screwed and should I just move on and forget it-small print being small print and all that!
Im really starting to wonder what the point of insurance is lately!!
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