Does anyone bother with mobile phone insurance?

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  • yegon 28 Sep 2006 17:37:25 5,218 posts
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    I've never bothered in the past but I wonder if it's worthwhile when I get my new phone. I've just bought a pay monthly T-Mobile Vario II (aka HTC Hermes aka TyTYN aka Orange SPV M3100) with web+walk and a 2GB micro sd card.. I'm guessing putting it on the house insurance is the cheapest (but has it's pitfalls) and I expect the insurance offered by T-Mobile is fairly steep pricewise.

    Advice anyone? Or should I just not bother, as I'm pretty careful with all my gear?

    Edited by yegon at 17:38:43 28-09-2006
  • Dirtbox 28 Sep 2006 17:39:17 77,707 posts
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    I don't think it's covered in contents insurance for the simple fact it's meant for use outside the home..

    Feel free to correct me.

    +1 / Like / Tweet this post

  • nick303 28 Sep 2006 17:40:11 1,525 posts
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    yegon wrote:
    I've never bothered in the past but I wonder if it's worthwhile when I get my new phone. I've just bought a pay monthly T-Mobile Vario II (aka HTC Hermes aka TyTYN aka Orange SPV M3100) with web+walk and a 2GB micro sd card.. I'm guessing putting it on the house insurance is the cheapest (but has it's pitfalls) and I expect the insurance offered by T-Mobile is fairly steep pricewise.

    Advice anyone? Or should I just not bother, as I'm pretty careful with all my gear?

    Edited by yegon at 17:38:43 28-09-2006

    I always thought it was a waste of money. I have never lost a phone but the week after my girlfriend cancelled her insurance she left her phone at someones house. Never did find it again :(

    Edited by nick303 at 17:41:16 28-09-2006
  • yegon 28 Sep 2006 17:40:37 5,218 posts
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    Dirtbox wrote:
    I don't think it's covered in contents insurance for the simple fact it's meant for use outside the home..

    Feel free to correct me.

    Hmm, good point, but I'm sure I've heard someone mention it.

    Edited by yegon at 17:41:06 28-09-2006
  • kalel 28 Sep 2006 17:41:20 86,962 posts
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    If you can't afford having to replace it then do, but otherwise it is a false economy.
  • yegon 28 Sep 2006 17:43:20 5,218 posts
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    kalel wrote:
    If you can't afford having to replace it then do, but otherwise it is a false economy.

    Aye, you're right. It'll be half the price in 6 months anyway. For making my mind up, have a glass of corporation pop on me :)
  • deem 28 Sep 2006 17:43:39 31,641 posts
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  • kalel 28 Sep 2006 17:45:44 86,962 posts
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    yegon wrote:
    kalel wrote:
    If you can't afford having to replace it then do, but otherwise it is a false economy.

    Aye, you're right. It'll be half the price in 6 months anyway. For making my mind up, have a glass of corporation pop on me :)

    \o/
  • D_arkTrooper 28 Sep 2006 17:46:47 1,311 posts
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    With 3 months left of an 18 month contract,I dropped my phone down the shitter and knackered it.Needless to say I kinda wish I`d kept it insured.

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  • Derblington 28 Sep 2006 17:47:56 21,500 posts
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    I didn't think I'd ever need but took it out anyway as it wasn't much per month. My phone broke one month later.
  • prettyboytim 28 Sep 2006 17:48:41 907 posts
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    Yes.

    I just keep my old phone(s) as a backup.
  • kalel 28 Sep 2006 17:51:25 86,962 posts
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    Of course if your phone breaks it's worth having...dur...

    I've never had a phone break, so in the seven years I've been using them that would have cost be around 700 in insurance. Even if one did break now it would still have been worth not insuring them all these years.
  • prettyboytim 28 Sep 2006 17:52:51 907 posts
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    Re: insurance

    Home insurance does sometimes cover itens taken outside the home, but you often wouldn't want to claim for it.

    For instance, if your excess is 100 then you've gotta weigh up whether making a claim is really going to be worth the increased premiums you might have to pay for insurance later down the line.

    Also, some insurers won't take on people with more than 2 claims in the last three years (some in the last five!) so making a claim where you'll only get back less than a hundred quid will often not make that much sense.
  • deem 28 Sep 2006 17:53:06 31,641 posts
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  • cubbymoore 28 Sep 2006 17:57:07 36,485 posts
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    Orange and o2 are 5 a month = 60 a year

    If I had a steadier income I'd go for it. Or go with an insurance firm like Endsliegh.
  • kalel 28 Sep 2006 17:59:23 86,962 posts
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    OK. That was based on what I remember the standard T-Mobile insurance being, which is 8 a month. Could be wrong about that, like I say, never took it, but iirc that's correct.

    I'm not an economics expert, but I'm pretty sure that all insurance of things like steroes, phones, TVs etc etc are basically false economy, and a con. Phones are particularly bad as we tend to replacec them every year. If you're the type that regularly drops yours in your pint then maybe you should get it, but for most people I think can go a year without breaking their phone.
  • avtar 28 Sep 2006 17:59:41 94 posts
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    deem wrote:
    kalel wrote:
    Of course if your phone breaks it's worth having...dur...

    I've never had a phone break, so in the seven years I've been using them that would have cost be around 700 in insurance. Even if one did break now it would still have been worth not insuring them all these years.

    7 years worth of phone insurance - 700? Are you mad!?

    The most I've ever seen or paid is 3.50 a month.

    Phones 4 u are selling insurance at 8.99 a month.

    /told them it wasn't worth it

    Edited by avtar at 18:02:03 28-09-2006
  • deem 28 Sep 2006 18:06:39 31,641 posts
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  • Lukus 28 Sep 2006 18:10:32 19,050 posts
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    I made the mistake of having my phone insured ages ago when I first got one. I soon realised what a waste of money it was when the amount I was paying was quickly approaching the cost of a new phone. Never again.

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  • Fixxxer 28 Sep 2006 19:25:49 1,304 posts
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    I've always had insurance and never needed it.

    Then last week I was beaten and mugged. It was bloody worth it then! Well, maybe it wasn't, but it certainly felt it.
  • Merlinho 28 Sep 2006 19:34:09 5,909 posts
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    My mother's phone broke, sketchy Motorola RAZR V3. Vodafone refused to repair it under the Motorola warranty because it was allegedly due to water damage (although how water got in there in her handbag, god knows).

    Anyway my point was, she claimed on the house insurance and got a cheque for 180 quid IIRC correctly to get a new phone from Vodafone, the amount was based on a Vodafone quote for a new RAZR V3i.

    I know mine is also covered on the house insurance, ring them to confirm it.
  • bigshot316 29 Jun 2011 08:39:51 23,605 posts
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    How big are your tits though?
  • Stranded87 29 Jun 2011 12:42:01 890 posts
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    Depends how cheap you can get it, when I got my iphone 3G a few years ago from carphone warehouse they were charging something silly like 11 a month, which unless you're regularly using your phone as a tennis ball is clearly not worth it. But i reckon if you've got an expensive phone and you can get insured for about 5 a month or less it's probably worth the peace of mind.
  • MrTomFTW Moderator 29 Jun 2011 12:59:48 37,831 posts
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    Haha, now biggy looks like even more of a weirdo.

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  • bigshot316 29 Jun 2011 13:05:24 23,605 posts
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    \o/

    LOL!!
  • billythekid 29 Jun 2011 13:13:57 11,107 posts
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    I get mine through my bank (Barclays). It's included in the additions account along with loads of other stuff like RAC breakdown cover.
  • Deleted user 2 February 2012 10:21:45
    Bah, missus lost her iPhone last night. We have insurance (free with bank account) but when calling the phone last night we were getting a "phone switched off, divert straight to voicemail" response from it. This morning we're getting a constant dead tone - no voicemail, it's almost as if the number doesn't exist.

    What the fuck's likely to have happened that would cause a number to get switched off within 18 hours of losing the phone? We sent a remote lock request to the phone but that wouldn't kill the number, would it?
  • spamdangled 2 Feb 2012 10:27:02 27,276 posts
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    Dirtbox wrote:
    I don't think it's covered in contents insurance for the simple fact it's meant for use outside the home..

    Feel free to correct me.
    Depends on your policy. My policy covers mobile items (phones, tablets, laptops) up to a value of 1,000 outside the home.

    That said, you're probably better off getting dedicated cover through your mobile operator as it is normally cheaper, won't have an excess to pay if you make a claim, faster (a claim on a phone means you normally have your replacement the next day with Orange, instead of weeks later), and it won't affect the price of renewing your policy further down the line.

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