Carphone Warehouse lifeline

colm_mcm wrote: »

Just wondering if the insurance is generally set to renew every month and not for a finite time and not transferred from one phone to the next.


FWIW I think the phone was an LG Chocolate

I used to work for Carphone so can weigh in here. Yes the insurance will continue infinitely as long as you don't cancel it. The insurance has no fixed term, you could have cancelled it whenever you felt like it. If you bought a new phone with Carphone, you could have transferred it over to the new phone but not if you bought it anywhere else. The contract you signed when you originally took out the policy will pretty much prevent you from getting any money back since it states all that I've already mentioned. There's no way you can prove you were ripped off, although I understand your frustration myself.

you could try arguign the original Term & Conditions were not fair, as in a phone insurnace policy should be allowed infitely roll over without intervention.

You could obviously well afford it if you didn't notice the money been taken every month

colm_mcm wrote: »

Just realised I've been paying €13.75 a month for the last 6 or 7 years for insurance on a phone I got rid of 5 or 6 years ago.
I know this is epically stupid, but where do I stand here, is the insurance term infinite and do I have any chance of a refund?

Same happened to me, got most of the money back.

Ring them

OP I would go to store, get the guys in store to check your transaction history, if you got another phoen with them then you can say that the policy wasnt transferred. They may not refund 5 years work but they would def refund a year (i used to work there and have experience with cases like this). If you didnt get your phone with them you could ask very nicely if you can provide proof that you got a phone else where would they offer a refund. Def worth a shot.

Esel wrote: »

your provider should be able to verify that you have not been using that phone for the last x years.

Why would that have any relevence ? If I can prove my car is off the road should my car insurance company repay my previum .....

Weather you use the phone or not is irrelevent. The fact is the phone was insured, how or if it was in use is none of the insurance providers concern.

If you leave your policy in place and you dont need it your at fault end of story no refund due.

JimsAlterEgo wrote: »

Insurance companies send reneewals every year.

There is no legal obligation for them to do so. Insurance companies send renewals when a term policy is due to expire.

In a rolling contract as phone insurance is there is no renewal as there is no term.

slimjimmc wrote: »

@djdunny : Do not suggest making false claims that are likely to be fraudulent.
Posters - lawful suggestions only please.

Hi can you tell me what part of my post suggested making a fraudulent claim?? Maybe you have mistaken what I had written. Basically when I worked in CPW we dealt with this kind of issue all the time. People would have a policy taken out with CPW but then buy a phone a year later in a network store. They then return to cpw a few months later realising they have been paying a premium for a phone that was no longer in use and thus looking for a refund. which we would then request from the lifeline dept.

Maybe i have explained it a bit clearer this time. Let me know if it needs further clarification.


Regards
Dunny

Antonella Full Gang wrote: »

Like earlier suggestions, that is wrong on many fronts but principally moral ones. It is wrong to suggest lieing that somebody messed up in their job.

Incorrect. The system used in Carphone (PIE) will try transfer the insurance to a new handset and would have to be manually over-ridden by the sales rep to prevent it.