phone insurance

harr

where can i get my phone insured? i rang Vodafone and they wont insure me because i am a payg customer. Vodafone gave a number for the carphone warehouse and they wont because i did not buy my phone there.when i bought my phone on Saturday a desire hd in a Vodafone shop the sales man told me i could insure the phone with Vodafone. I have sent Darren in the Vodafone thread 2 messages with no response.i would have bought the phone in the carphone warehouse if i had known that vodafone did not insure payg customers.:mad:

McAlban

I think Fonesure will do it.

www.fonesure.ie

I use them and they've been great when I lost my phone.

Bluefoam

Put it on your household insurance. Much cheaper

harr

McAlban wrote: »

I think Fonesure will do it.

www.fonesure.ie

I use them and they've been great when I lost my phone.

thanks very much, just what i was looking for:)

harr

Bluefoam wrote: »

Put it on your household insurance. Much cheaper

i have a 250 excess on my house insurance so would not be worth calming from them. plus it would affect my no claims discount on my content insurances,but thanks for reply:)

all of the lights

List of T & C from fonesure

Exclusions
The Company shall not be liable for
1. theft howsoever arising including damage resulting from attempted theft
2. repair or replacement arising as a result of negligent use wilful abuse or misuse
3. damage to the battery or aerial or any cosmetic damage
4. the cost of replacing or repairing accessories or costs arising from the use of accessories
5. the cost of routine inspection service adjustment or cleaning
6. damage caused during installation or removal
7. any amount recoverable under any guarantee warranty or other insurance
8. loss of use or consequential loss of any kind
9. repairs carried out by persons not authorised by Us
10. the policy excess as detailed below
11. the cost of replacing any stored data including but not limited to tunes songs personalised ring tones or graphics
12. any damage or fault caused by any form of electronic virus



those the line in red mean that they do not cover loss of any kind??

harr

all of the lights wrote: »

List of T & C from fonesure

Exclusions
The Company shall not be liable for
1. theft howsoever arising including damage resulting from attempted theft
2. repair or replacement arising as a result of negligent use wilful abuse or misuse
3. damage to the battery or aerial or any cosmetic damage
4. the cost of replacing or repairing accessories or costs arising from the use of accessories
5. the cost of routine inspection service adjustment or cleaning
6. damage caused during installation or removal
7. any amount recoverable under any guarantee warranty or other insurance
8. loss of use or consequential loss of any kind
9. repairs carried out by persons not authorised by Us
10. the policy excess as detailed below
11. the cost of replacing any stored data including but not limited to tunes songs personalised ring tones or graphics
12. any damage or fault caused by any form of electronic virus



those the line in red mean that they do not cover loss of any kind??

this the reason why i did not use fonesure,total mad set of T&Cs.

all of the lights

not great cover really eh? im in the same boat as you have an i phone i want to insure??? dont no were to got?? same problem wit the house insurance?

all of the lights

McAlban wrote: »

I think Fonesure will do it.

www.fonesure.ie

I use them and they've been great when I lost my phone.

did you tell fonesure that you lost your phone??

animaal

all of the lights wrote: »

List of T & C from fonesure

Exclusions
The Company shall not be liable for
1. theft howsoever arising including damage resulting from attempted theft
2. repair or replacement arising as a result of negligent use wilful abuse or misuse
3. damage to the battery or aerial or any cosmetic damage
4. the cost of replacing or repairing accessories or costs arising from the use of accessories
5. the cost of routine inspection service adjustment or cleaning
6. damage caused during installation or removal
7. any amount recoverable under any guarantee warranty or other insurance
8. loss of use or consequential loss of any kind
9. repairs carried out by persons not authorised by Us
10. the policy excess as detailed below
11. the cost of replacing any stored data including but not limited to tunes songs personalised ring tones or graphics
12. any damage or fault caused by any form of electronic virus



those the line in red mean that they do not cover loss of any kind??

Looks like they cover acts of terrorism, and that's about it. As long as the terrorist doesn't try to repair the phone.

Keith186

My take: The red bit above means it does not cover the loss of use or consequential use i.e. you are using for phone for business and you have lost or damaged it so you can't make the deal/money, they will not cover the loss of the potential deal.

Try add it to your house insurance as a specified item instead, should be cheaper and less restrictive in terms of cover.

S.M.B.

I'm looking into insuring my Mac Book Pro, Desire and 160GB iPod with these guys.

http://www.protectyourbubble.com/

StaticNoise

Carphone Warehouse seem to have the best insurance.
Covers theft, AFAIK.
He also said just say that you "left it at a bar" if they get silly.

squeakyduck

The only think CPW doesn't cover against is unattended theft.

Smashed my screen beyond recognition and it was replaced for a 35 excess fee....result....!!!

evolutionqy7

Also as above CPW doesnt insure it if you didnt buy it from them.

Dont really get why their throwing customers away?

deckie27

S.M.B. wrote: »

I'm looking into insuring my Mac Book Pro, Desire and 160GB iPod with these guys.

http://www.protectyourbubble.com/

How did this work out?

Thanks

Bob the Builder

Bluefoam wrote: »

Put it on your household insurance. Much cheaper

Don't waste your time.The T & C's there are crazy as well. Also, even though your "no claims" or whatever they call it for house insurance is protected, it will still up your claim next year. Any insurance that can be given for less than €1.40 is a scam.

StaticNoise wrote: »

Carphone Warehouse seem to have the best insurance.
Covers theft, AFAIK.
He also said just say that you "left it at a bar" if they get silly.

They have the best insurance of a bad lot. But I sold the insurance and I can tell you its a scam. We were forced to achieve a 25% insurance penetration ratio. So if you got a granny into the store that didnt know much about phones, we had to manipulate her into purchasing insurance that was overpriced that she neither needed nor wanted.

evolutionqy7 wrote: »

Also as above CPW doesnt insure it if you didnt buy it from them.

Dont really get why their throwing customers away?

The primary reason is that the insurance policy is actually provided by New Technologies Insurance which is a subsidiary of Carphone Warehouse. They are not allowed to honour claims made for phones that they have no proof of purchase record from the phone provider/receipt.


If you're really looking for insurance, get a money jar at home and once a month, deposit €13.75 into a jar (or whatever insurance would cost for a phone of that type) and then if you lose your phone, or it gets broken, then put €40 (or whatever the excess may be) with it. And more often than not, you'll end up saving more money than you spend.

If you know you are going to lose your phone (if your that type of person), then read your terms and conditions thoroughly before making a claim and always bare in mind that anything that can be referred to as negligence will not be honoured. Negligence is not covered.

E.g. Phone got taken out of my locked car = you're covered
Phone got taken out of my unlocked car = negligence, not covered
Phone taken from car with sunroof open = negligence, not covered.

Phone was in my pocket at nightclub and it disappeared = covered
Phone was in my pocket at nightclub but I think I got pickpocketed = Gardaí will force you to make a statement, statement will have to be copied to insurance company, but you're still covered.
Phone was left on bar counter while I was paying for drinks at nightclub and it disappeared. = Not covered, phone left unattended, negligence.

ellinguistico

i have an insured old Desire with my operator but it is unbranded by goldcard. If i claim on insurance will the operator be able to stop the phone from working in the future does anyone know. If someone stole it would they be able to shut down its use from IMEI number even though it has been unbranded?