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If I buy an IPhone is there any way to have insurance against lost phone or robery?

  • 25-04-2013 6:34pm
    #1
    whellman1030
    Registered Users, Registered Users 2 Posts: 258 ✭✭


    If I buy an IPhone is there any way to have insurance against lost phone or robery?


Comments

  • #2
    ironclaw
    Registered Users, Registered Users 2 Posts: 8,004 ✭✭✭ironclaw


    Generally not worth the money in my opinion. And a few horror stories to boot i.e. You can only make 1 claim per year.

    I think the last time I did the maths on it, the cheapest deal was something like €9.99 on top of my bill. Say your iPhone cost €680 (i.e. You bought it sim free) By the time you go to sell it, say in 18 months, you'll have paid €180 in insurance. So your iPhone will have 'cost' you €860. You'll probably be able to sell it for €450. So your 'loss' is €180 + (€680 - €450) = €410. If your phone isn't insured and you eventually sell it, you'll lose €680 - €450 = €230. And if its stolen, uninsured, you'll lose €680.

    I'd rather just be extra careful to be honest as you 'lose' less. There are so many clauses and excess's its just a bad investment, in my opinion. And thats speaking as someone who lost a 15" MacBook Pro and an iPad in the same robbery. If you really must insure it, I'd only insure it for 6 months or so. Then cash out as the depreciation will make it uneconomical.


  • #3
    dublander
    Closed Accounts Posts: 78 ✭✭dublander


    With iPhone insurance you're really just insuring it so that if it is lost or stolen u don't end up being tied into an 18 month contract & then having to fork out 600 for a new one or ur alternative without insurance is to buy a cheaper crapier phone which would be very hard to go back to! It's handy, at least for the first few months anyway I'd advise it, 10euro a month isn't that much when u think bout it seeing as it is something that is very easily lost/stolen/damaged!


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