Best Iphone 4 Insurance - UK

Discussion in 'iPhone' started by Raith19, Jun 28, 2010.

  1. Raith19 macrumors newbie

    Joined:
    Jun 22, 2010
    #1
    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
     
  2. caseys macrumors member

    Joined:
    Nov 1, 2007
    #2
    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.
     
  3. dubnde macrumors regular

    Joined:
    Mar 21, 2009
    Location:
    UK
    #3
    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!
     
  4. SayCheese macrumors 6502a

    Joined:
    Jun 14, 2007
    Location:
    Thame, Oxfordshire, England
    #4
    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.
     
  5. mgirg macrumors regular

    Joined:
    Mar 19, 2008
    #5
    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.
     
  6. 20193 macrumors member

    Joined:
    Jun 9, 2010
    #6
    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.
     
  7. stephenteh macrumors newbie

    Joined:
    Jun 24, 2010
    #7
    How reputable this company is?
     
  8. northernbaldy macrumors 6502a

    northernbaldy

    Joined:
    Jan 13, 2010
    Location:
    the north, UK
  9. 20193 macrumors member

    Joined:
    Jun 9, 2010
    #9
    I've always used insure and go for holiday insurance and never had a problem. They also do car, home and computer insurance so they are definitely reputable.
     
  10. teeceegee macrumors newbie

    Joined:
    Mar 2, 2009
    #10
    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.
     
  11. Mike Oxard macrumors 6502a

    Mike Oxard

    Joined:
    Oct 22, 2009
    #11
    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) .
     
  12. gimmeiphone macrumors 6502

    Joined:
    Sep 25, 2007
  13. tarkmiddy macrumors newbie

    Joined:
    May 23, 2009
    #13
    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
     
  14. JamesHP macrumors 6502

    Joined:
    Feb 6, 2010
    Location:
    Manchester, UK
    #14
    I get mine from NatWest, £6.99 a month with a free 16-25 railcard and travel insurance. £25 excess if you claim.
     
  15. pw1500 macrumors regular

    pw1500

    Joined:
    Oct 31, 2007
    Location:
    Oxford, England
    #15
    That sounds like a great deal, anyone ever made a claim with this company?
     
  16. Domo-Kun macrumors member

    Joined:
    Jun 9, 2010
    #16
    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.
     
  17. spikeyjac macrumors regular

    Joined:
    Sep 16, 2006
    #17
    That looks good!
     
  18. Igantius macrumors 65816

    Joined:
    Apr 29, 2007
    #18
    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.
     
  19. iWoz macrumors 6502a

    iWoz

    Joined:
    Jan 12, 2009
    Location:
    East Midlands, U.K
    #19
    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!
     
  20. Raith19 thread starter macrumors newbie

    Joined:
    Jun 22, 2010
    #20
    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.
     
  21. Igantius macrumors 65816

    Joined:
    Apr 29, 2007
    #21
    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!
     
  22. fr00b macrumors regular

    Joined:
    Mar 31, 2009
    Location:
    UK
    #22
    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
     
  23. SayCheese macrumors 6502a

    Joined:
    Jun 14, 2007
    Location:
    Thame, Oxfordshire, England
    #23
    Nope, they cover more than that.
    See here
     
  24. gc76 macrumors newbie

    Joined:
    Jun 19, 2010
    #24
    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
     
  25. gc76 macrumors newbie

    Joined:
    Jun 19, 2010
    #25
    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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