I got myself a very Nice Nokia E66 back in May 09' loved that phone. Of course lost it, first phone I ever lost and was gutted. Remembered I have phone insurance as the nice girl in the 02 store would of prob followed me home if I didn't take the insurance @ €9 P/M. In fairness I wanted the insurance for peace of mind.
So get the calim pack filled it out and posted it back with a cheque for €35. Couple of days later get a phone call from phonecover about my lost phone and that they have a replacement phone for me a Nokia E63!!!!!
E63 is a cheaper and lesser spec phone then the E66
They stopped makeing the E66 which is ok I dont mind but I wasn't taking a E63 so I said i will take the E71 if they had it,which they did but wanted a €100 euro for it?? Even tho the E66 and E71 are the same spec only the E71 has a bigger screen and full keyboard.
"Lost or stolen mobiles
Send us a correctly completed claim form and a policy excess payment of €35.00 and we will send you a replacement mobile within one working day. Your new phone will be identical to the one that was lost or stolen. If your model of phone is not available, a replacement model with the closest functionality available (which would be a E71 NOT A E63) will be sent up to the value of €1,500.00 replacement value including VAT.
Zurich who are the insurance company wont even entertain the idea of given me the same spec phone they rather give me a lesser one. I taught at the time paying for phone insurance might be a waste of money now I know it was !!!