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Best Iphone 4 Insurance - UK

R

Raith19

macrumors newbie
Original poster
Jun 22, 2010
27
0
Just got my Iphone 4 and I want to take out Insurance because if it gets lost or stolen etc i can afford a £500 for a sim free phone.

I have o2 insurance but its £15 a month, 50 quid excess for claim 1, £75 excess for claim 2, £100 excess for claim 3.

Anybody know of anything cheaper but reliable out there?

Thanks
 
Insured via my bank (lloyds TSB) - £30 excess and I get the insurance free with my type of bank account.

Also found I can insure another phone (the missus' 32gb 3GS) for only £4.99/month extra :)

Check if your bank does such deals. I find the o2 insurance seems poor vfm.
 
Wirelessly posted (iPhone 4: Mozilla/5.0 (iPhone; U; CPU iPhone OS 4_0 like Mac OS X; en-us) AppleWebKit/532.9 (KHTML, like Gecko) Version/4.0.5 Mobile/8A293 Safari/6531.22.7)

I use Lloyds Silver account too. Good value for money account!
 
I am going into town today. Whilst there I am going to upgrade to the Lloyds TSB silver account. Not only does it give phone insurance but also AA breakdown cover and European travel insurance. All for only 45p a month more than O2 charge me for insurance alone.
 
Raith19 said:
Just got my Iphone 4 and I want to take out Insurance because if it gets lost or stolen etc i can afford a £500 for a sim free phone.

I have o2 insurance but its £15 a month, 50 quid excess for claim 1, £75 excess for claim 2, £100 excess for claim 3.

Anybody know of anything cheaper but reliable out there?

Thanks
Click to expand...
O2 won't insure you unless you bought your iPhone through them. I had this problem with them as I got my iPhone from apple but am on a 12 simplicity contract. I got my insurance from protect my bubble in the end. Be careful as some places only give you a cheque for the phone rather than replace it.
 
InsureandGo's iPhone insurance is the way forward. £42 for Platinum coverage and only £25 excess. Even better, excess is free if you get the "Black" package.

Edit: This is only good on the 16gb model as they will only cover up to £500.
 
20193 said:
InsureandGo's iPhone insurance is the way forward. £42 for Platinum coverage and only £25 excess. Even better, excess is free if you get the "Black" package.

Edit: This is only good on the 16gb model as they only cover up to £500 gadgets.
Click to expand...

How reputable this company is?
 
smile

I have a smile (co-op) "more" current account. £13/month. We've got it as a joint account so it covers me and my other half for car breakdown, worldwide travel insurance, and mobile phone insurance + other stuff too.
 
It's worth phoning your house insurance company up. I just called mine (Churchill) and I'm already covered for loss damage and theft, with an excess of £50 (the minimum for personal possessions) .
 
Mine is also through my bank but not Lloyds

The online version of the co-operative bank www.smile.co.uk offer a 'smilemore' current account which for £13 a month will cover 4 phones up to £600 value each plus you get worldwide family travel insurance and breakdown insurance...plus discounts and a choice of some other options which include gadget insurance for your ipod etc.

Hope that helps
 
20193 said:
InsureandGo's iPhone insurance is the way forward. £42 for Platinum coverage and only £25 excess. Even better, excess is free if you get the "Black" package.

Edit: This is only good on the 16gb model as they will only cover up to £500.
Click to expand...

That sounds like a great deal, anyone ever made a claim with this company?
 
I get mine through my bank, barclays, £25 excess, had to chase them like a hound to get the claim sorted, but was all worth it. got £450 for a 2year old 16gb iPhone 3G, smashed to bits.

if you have a bank accoutn, go in and speak to someone in there bout extras on your account.
 
tarkmiddy said:
Mine is also through my bank but not Lloyds

The online version of the co-operative bank www.smile.co.uk offer a 'smilemore' current account which for £13 a month will cover 4 phones up to £600 value each plus you get worldwide family travel insurance and breakdown insurance...plus discounts and a choice of some other options which include gadget insurance for your ipod etc.

Hope that helps
Click to expand...

That looks good!
 
pw1500 said:
That sounds like a great deal, anyone ever made a claim with this company?
Click to expand...

I used them a while back for travel insurance - didn't have to make a claim and at that time, customer reviews were so-so. However, these days, there's plenty of negative feedback online about them.
 
Im with o2 Premier insurance which is approx £14.99 a month ( I think ) and have made 3 successfull claims in the past and paid £25 excess fee for each one.

I find them very good and efficient, Usually get my replacement the next day.

BTW I bought my iPhone from CPW!
 
Igantius said:
I used them a while back for travel insurance - didn't have to make a claim and at that time, customer reviews were so-so. However, these days, there's plenty of negative feedback online about them.
Click to expand...

Seems theres a lot of unhappy customers after the volcanic ash shambles! sounds a bit too good to be true. think i will investigate a bit more.
 
Raith19 said:
Seems theres a lot of unhappy customers after the volcanic ash shambles! sounds a bit too good to be true. think i will investigate a bit more.
Click to expand...
Yeah and I meant to say that a lot over the volcanic ash thing and in all fairness, I suspect a lot of other companies had a similar amount of criticism. I did consider using the company again a while back, but when I read some of the reviews, it didn’t inspire confidence!
 
Might be worth checking with your bank.

As others have said, lloyds offer one for as little as £7.99 for mob insurance and AA cover, where as Barclays offer just mob insurance for £5 p/m. Lloyds is the Silver and Barclays the current account plus
 
I have insurance through Lloyds TSB and although I am still insured by them I have to admit that I don't think there that good.

Last year I dropped my 3G iphone. I smashed the screen and got it wet. the phone struggled on for a few hours but finally died.

I went through the insurance company (lifestylegroup) who I think a lot of the banks use and it wasn't a pleasant experience. All in all it took about a month to get a new phone and that was with a lot of complaints and chasing up by myself.

Like I said I am still with them but I will be looking for someone else to go with.

It maybe cheap and this is reflected in the service you get
 
pw1500 said:
That sounds like a great deal, anyone ever made a claim with this company?
Click to expand...

I just had a quick look on their site and the offer does seem good. Has anybody had any experience claiming with these guys??
 
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