Best option on insuring your iPhone 4!?

[iMoo]

The point about stuff you wouldn't use, yet you would carry on....(i'm making a point here, so not referring to you specifically)....

When I was selling the Advantage Gold package, which is a Natwest Current Account with added 'benefits' - I used to deal with over 100 phonecalls a day - just about that 1 product, because that was my job at that time.

Out of the 100 calls about that 1 product, 99% of people were wanting to cancel the product, but after 11 or 12 months of paying for it, and realising they did not want it. Who wins? The Bank of course.

So they paid £144 each, for a whole year before they realised it wasn't for them.

Sometimes, may be just sometimes, they got 1% off on their Currency when they went on holiday, or perhaps they used the breakdown once, but that was it - they didn't use the 'benefits' at all.

I too realised my mother was paying for Boiler (water heater thingy) service/insurance at £400 per annum, she did this for 3 years, before I persuaded her that she could have bought a new boiler for that, possibly.

Insurance Companies, play on people's fear, it's all about fear - yes the odd 'peace of mind' - and yes the odd claim where you would have saved alot of money.

But my theory is, just add up all the warranties you would 'like' - a rough guesstimate of £100 per month, just put that away in some account that you have to give 30 days notice or 90 days notice, even if it's poor interest.

You've then made your own rainy day fund, without giving your money away to some greedy bankers and investors and insurance companies.

Just my thoughts, that's all.

No mate, very much fair points as even if you take into account insurances that you HAVE to take out like car insurance. Not many would have got their moneys worth as alot of people (myself included - another touch wood) have probably never claimed, even if they do they put cost up to recoup this.
Anyways, i'm drifting away from the point here.

But yeah i think i am seriously considering just not bothering as you are right in the fact alot of people don't claim, and i bet that the ones that do 80% are fraudulent, especially when it comes down to mobile phones.

If i put away the £180 a year O2 are trying to charge to one side this can pay for any damage, just in case i did drop it and crack the glass. Wonder how much it costs this time around as i think with previos iPhones they just did a full swap for a refurb rather than just seperate prices for certain things!?

If by chance they can keep me on £6 a month, then maybe i will stick with that for a while, otherwise def going to take your advice and thanks for putting it into perspective as it does make sense and nice to hear the views and thought's from the other side of the table with you working in this area before anyhow.

 

[nazuk]

Me hypocrite?

...I might feel very different about all of this after my shiny little baby arrives on Thursday - the day of my Birthday too!

Perhaps when I look at my new £500 iPhone 4, in my hands, I might have to eat my own words!

We'll see

Only 2 more get-ups to go!! Happy days.

 

[iMoo]

Yeah it's strange with phones when you just get them how paranoid you are with losing or breaking them. Then after around 8 months or so it's not too bad.
Just got my micro-sim today so will transfer it over in a bit to the new card ready.
Didn't get one of those adapters with mine from O2 shop though so may have to get one off flee bay. That way at least i can put it in my old w800i for the braking in/treating like a baby period.
Wonder if you were to lose ya phone you could claim through next holiday insurance!? Not that i condone or wpould ever do this, just a thought if it's possible.

 

[iMoo]

Yeah it's strange with phones when you just get them how paranoid you are with losing or breaking them. Then after around 8 months or so it's not too bad.
Just got my micro-sim today so will transfer it over in a bit to the new card ready.
Didn't get one of those adapters with mine from O2 shop though so may have to get one off flee bay. That way at least i can put it in my old w800i for the braking in/treating like a baby period.
Wonder if you were to lose ya phone you could claim through next holiday insurance!? Not that i condone or wpould ever do this, just a thought if it's possible.

 

[iMoo]

Yeah it's strange with phones when you just get them how paranoid you are with losing or breaking them. Then after around 8 months or so it's not too bad.
Just got my micro-sim today so will transfer it over in a bit to the new card ready.
Didn't get one of those adapters with mine from O2 shop though so may have to get one off flee bay. That way at least i can put it in my old w800i for the braking in/treating like a baby period.
Wonder if you were to lose ya phone you could claim through next holiday insurance!? Not that i condone or wpould ever do this, just a thought if it's possible.

 

[Sebbett]

Check out this awesme insurance for Iphone 4.

IProtectyourbubble.com offers great iphone insurance. you should check them out.