Interesting, But do I get a brand new 1st gen iphone or will I get a 3g if something happens to my 1st gen iphone.
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iphone insurance in the UK
- Thread starter johny5
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Interesting, But do I get a brand new 1st gen iphone or will I get a 3g if something happens to my 1st gen iphone.
For those people that had phone calls from these "insurance" companies, what was the number that called you. Landline? Did it begin with 01252???
the number came up blocked on my phone.
To be fair to them they did explain everything in detail making sure I was clear on how it worked. Plus their quality team called back the next day to confirm all ok as promised.
CPW got fined millions for mis-selling insurance so they are a lot more careful these days.
To be fair to them they did explain everything in detail making sure I was clear on how it worked. Plus their quality team called back the next day to confirm all ok as promised.
CPW got fined millions for mis-selling insurance so they are a lot more careful these days.
Yup - cheap and cheerful.
I would read go through the terms and conditions. I would also note that it's not a "replacement as new policy" - have a look at http://www.2u.co.uk/mobile-phone-insurance/insurance_terms_and_conditions.php and check the replacement section - they've disabled cut and paste and I'm too lazy to type it up!
I had looked at this policy a couple of weeks ago, but decided against it because of this clause.
Just been looking at the £7.50 O2 policy small print on their website
I'm guessing most iPhone owners wouldn't be too happy with a Nokia replacement...
There are a lot of exclusions too...I know that's always the way with insurance policies, but... still wondering whether or not to go for O2's insurance.
No, O2 are very good and they will replace it with an Iphone. The reason it's a similar model as they guarantee to give you a new phone and say you claim 17 months into your contract and the Iphone 3rd generation is out and you can't get the 3G anymore they will give you a new one and you won't need to sign a new 18 month contract.
I think it's well worth it as my ex lost her 2g Iphone and had a new phone within 48 hours which she sold after upgrading to the 3g. She would have been down £200 odd quid.
There are some worrying exclusions in the T&Cs for o2 insurance:
Okay, so the website (not the T&Cs) does say the following...
And this is just taking the pish...
NO THANK YOU!!!
Fortunately, I just called my existing home and contents insurance provider. My iPhone is already covered for any sort of loss, crime or accidental damage - worldwide!!! Okay, so there'd be a £75 excess compared to O2's £25, but I can live with that. Also, my insurer won't cover malicious usage - but then again, O2 might not either.
SL
This seems to exclude me just "loosing" the phone. Either I leave behind on a table in a pub or restaurant, or at work or the gym, or it falls out of my jacket pocket in one of those places. Sure, I'd have to be pretty stupid or drunk to allow any of this, but I think statistically this is the most likely way I'd be parted from my iPhone.
WTF?!? I thought this was at least half the reason for mobile phone insurance!!!
Okay, so the website (not the T&Cs) does say the following...
...but for £7.50 / month, I want real peace of mind, not half-promises subject to vague caveats.
And this is just taking the pish...
NO THANK YOU!!!
Fortunately, I just called my existing home and contents insurance provider. My iPhone is already covered for any sort of loss, crime or accidental damage - worldwide!!! Okay, so there'd be a £75 excess compared to O2's £25, but I can live with that. Also, my insurer won't cover malicious usage - but then again, O2 might not either.
SL
Wouldn't worry about malicious usage too much - just ring O2 the second you know it's gone and get them to block it!
Questions though, if these home insurance policies cover people's iPhones, do they (the insurance company) just buy them off O2 and send to you or cover the cost of you ordering a new one? So do you have to change your number to the SIM that comes with your new handset or what? Then reactivate it via iTunes for it to work? Does O2 start your contract from the point at which you left off or is it so automated it's like a "new activation" and hence new 18 month contract?
Sorry, but wondering how all of this would work!
True. But I do worry about the time between when I loose my iPhone, and the time when I've found O2's customer services number after I've realised I've lost it.
I assume that O2 would charge me for a brand new replacement at the full, unsubsidised price (likely several hundred pounds), but keep my contract as-is and transfer my number to the new SIM. If correct, then I would recover this cost from my insurer, minus the £75 excess.
If O2 won't sell me a replacement iPhone at any price then yes - good point - I'd be screwed. Can anyone shed any light on this?
SL
I've read somewhere (think it may even have been O2 website) that they're aware of scammers phoning from the Swansea area (so listen out for a Welsh accent) phoning their customers offering cheap insurance etc.
I remember getting a call from a similar outfit a few years back and dismissed it at the time. As a previous poster said, don't agree to anything where you're cold called like that... and if you are cold called by a phone insurance company in this manner, let O2 know about it - I think they'd be very interested to hear
aahh here it is (below)
http://customerforum.o2.co.uk/viewtopic.php?t=5122&postdays=0&postorder=asc&start=0
and here
http://www.theregister.co.uk/2005/01/20/cpw_phone_insurance/
I remember getting a call from a similar outfit a few years back and dismissed it at the time. As a previous poster said, don't agree to anything where you're cold called like that... and if you are cold called by a phone insurance company in this manner, let O2 know about it - I think they'd be very interested to hear
aahh here it is (below)
http://customerforum.o2.co.uk/viewtopic.php?t=5122&postdays=0&postorder=asc&start=0
and here
http://www.theregister.co.uk/2005/01/20/cpw_phone_insurance/
Few points on all these insurance queries.
1 - How did the comapany get my number?
Basically all the new iphone numbers start with the same 5 digits (eg 07755 [this isn't one of them btw]) so the company guesses the rest of the number and hope to get through to you.
It is a con, call o2 and they can report them.
2. Is it o2?
No, o2's insurance is done by company called Marsh and as part of the agreement o2 signed them to was, that they cant make outbound calls to customers offering insurance.
3. Will i get an iphone replacment?
Yes, you can pretty much guarantee it'll be an iphone. I cant see the company giving out an N95 - basically as any customer could argue it doesn't have the same specs as an iphone (because it always breaks and is awful!).
4. If I lose it in a daft place will the insurance cover it?
Pretty much most of these claims are succesful. As long as you didn't ask some guy with a prison jumpsuit to hold it for you while you tie your shoelace - i've not heard of any being refused.
It may happen but it's exceptionally rare- as far as i'm aware.
On a seperate note if you have a 2G handset and make a claim you'll get a 3G handset as your replacment. This is because o2 dont have any stock of 2G handsets.
hope this helps
1 - How did the comapany get my number?
Basically all the new iphone numbers start with the same 5 digits (eg 07755 [this isn't one of them btw]) so the company guesses the rest of the number and hope to get through to you.
It is a con, call o2 and they can report them.
2. Is it o2?
No, o2's insurance is done by company called Marsh and as part of the agreement o2 signed them to was, that they cant make outbound calls to customers offering insurance.
3. Will i get an iphone replacment?
Yes, you can pretty much guarantee it'll be an iphone. I cant see the company giving out an N95 - basically as any customer could argue it doesn't have the same specs as an iphone (because it always breaks and is awful!).
4. If I lose it in a daft place will the insurance cover it?
Pretty much most of these claims are succesful. As long as you didn't ask some guy with a prison jumpsuit to hold it for you while you tie your shoelace - i've not heard of any being refused.
It may happen but it's exceptionally rare- as far as i'm aware.
On a seperate note if you have a 2G handset and make a claim you'll get a 3G handset as your replacment. This is because o2 dont have any stock of 2G handsets.
hope this helps
All this might be true. And if so, it would be nice if it actually said as much in the Ts & Cs.
SL
The only way you wouldn't get an iphone is if it was out of stock, Marsh offer a different handset and you accept. You wouldn't be forced to take one.
As i said stock issues are the only way you'd even be offered an alternative.
In regards to lost claims - you have a duty of care toward the handset, which means dont do anything utterly ridiculous.
Although, the terms aren't enforced as strictly as say house insurance - where if you leave your keys hanging within arms reach of door you cant make a claim.
But the terms are hardly going to say 'do what you want and we'll cover you anyway.'
What you are describing and what the Ts & Cs say are too different things. And fine, they might play more than fair now, but the way the Ts & Cs are written leaves the customer wide open to being screwed the next time O2/Marsh/whoever decide they need to do some cost-saving.
If their intentions were truly as genuine as you say, then it wouldn't be beyond the wit of a half-decent legal writer to come up with Ts & Cs that actually reflected as such.
This is what I'm worried about (but not the bit about nude women).
SL
If their intentions were truly as genuine as you say, then it wouldn't be beyond the wit of a half-decent legal writer to come up with Ts & Cs that actually reflected as such.
This is what I'm worried about (but not the bit about nude women).
SL