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An alternative to costly mobile phone insurance

  • 19-07-2006 4:08pm
    #1
    Closed Accounts Posts: 1,133 ✭✭✭


    Came across this site today - would work out cheaper than mobile insurance...

    http://www.yougetitback.com


Comments

  • Registered Users, Registered Users 2 Posts: 19,396 ✭✭✭✭Karoma


    That covers 'lost', but not stolen or damaged which are far more likely to occurr than me losing something worth a fair bit of money. Pass.

    ed: /touch wood


  • Closed Accounts Posts: 1,133 ✭✭✭Slice


    Mobile phone insurance at €5-6 per month or in the case of CPW anything up to €12 per month is not worth it given that there is usually an excess charge of €30 for making a claim or €70 for a second claim in 12 months. Also most mobile insurance doesn't cover water damage. In my experience the majority of people I know who replace their phones do so because their old phone was lost - getting it stolen or damaged is less common.

    I don't think a "please return me" sticker like this one is that great but mobile phone insurance is a total rip-off by comparison.


  • Registered Users, Registered Users 2 Posts: 4,142 ✭✭✭TempestSabre


    Don't see the point of insurance either. Buy a phone cheap on billpay. Then if theres a problem just buy a prepay phone and get it unlocked. Still be cheaper than getting insurance and making a claim. The insurance companies tend to wiggle out of replacing the phone anyway, so theres simply no point, unless its an expensive PDA or something.


  • Registered Users, Registered Users 2 Posts: 21,611 ✭✭✭✭Sam Vimes


    Karoma wrote:
    That covers 'lost', but not stolen or damaged which are far more likely to occurr than me losing something worth a fair bit of money. Pass.

    ed: /touch wood

    here's a radical idea. if you drop the phone, throw it in a river and say you lost it.......


    but the insurance is still a complete rip off. apparently you can add a phone to household insurance for pennies a year


  • Registered Users, Registered Users 2 Posts: 7,469 ✭✭✭Pythia


    Slice wrote:
    Mobile phone insurance at €5-6 per month or in the case of CPW anything up to €12 per month is not worth it given that there is usually an excess charge of €30 for making a claim or €70 for a second claim in 12 months. Also most mobile insurance doesn't cover water damage. In my experience the majority of people I know who replace their phones do so because their old phone was lost - getting it stolen or damaged is less common.

    I don't think a "please return me" sticker like this one is that great but mobile phone insurance is a total rip-off by comparison.

    CPW's is more expensive as it does cover water damage and the excess always stays at 35.
    But I agree, mobile insurance is very expensive and probably not needed, unless you're the kind who loses phones often.


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