iPod Pickpockets

FireArse

macrumors 6502a
Original poster
Oct 29, 2004
893
102
Some **** on an underground train took my 40GB iPod Photo. Not impressed at all. Was with the girlfriend at the time so i must have been caught off-guard. ****.

Need to call the insurance company (who'll probably try get off covering me when i know Im covered) and tell me they'll give me a 5G 30GB iPod. Problem is, I need more than 30GB and, the 5G iPod's don't do FireWire.

Boy am I ****ed off.

Furthermore, my Grandfather passed away from a Stroke in Iraq. Not having a good weekend.

On top of that, the repair job on my car (when a truck went into the back of me) is a pile of *****. Need to call the same insurance company and have a rant.

This during my final year of University with Job applications, assignments and my final year project. Not having a good year. No wonder my hair's falling out!

:mad:
 

maestro55

macrumors 68030
Nov 13, 2005
2,709
0
Goat Farm in Meridian, TX
Sounds like a really rough time, but you know with all the bad something good is bound to happen. It is a shame that you can't carry what you want with you, in fear that someone will take it from you.
 

mac-er

macrumors 65816
Apr 9, 2003
1,453
0
You are calling the insurance company for an iPod?
Sheesh...how much is your deductible?

No wonder the rest of us pay such high premiums with people making insurance claims like that. :rolleyes:

You make a claim like that in the US, and they would say, "Sir, thank you for your claim. We have now cancelled your insurance policy."
 

Jay42

macrumors 65816
Jul 14, 2005
1,355
495
Sorry to hear that.

Out of curiousity, what pocket was the iPod in? When I'm on the subway, I always leave mine in a front jeans pocket (the pockets you put your hand in) because I believe it is harder to take. Also a few rubber bands around whatever's in your pocket (ipod, wallet, etc) will add some friction if someone tries to pull it out. Well I guess there is *some* sort of advantage to my nice chunky 3g 30gig.
 

haiggy

macrumors 65816
Aug 20, 2003
1,320
68
Ontario, Canada
Jay42 said:
Sorry to hear that.

Out of curiousity, what pocket was the iPod in? When I'm on the subway, I always leave mine in a front jeans pocket (the pockets you put your hand in) because I believe it is harder to take. Also a few rubber bands around whatever's in your pocket (ipod, wallet, etc) will add some friction if someone tries to pull it out. Well I guess there is *some* sort of advantage to my nice chunky 3g 30gig.
That's a good idea. My wallet has rough sides on it so it catches my jeans and is hard to just slip out like say, a leather wallet. I also keep my iPod in my front pocket and keep my hands in them most of the time. My dad mentioned an issue like this to me the other day saying that iPods and such are being stolen from people on buses while they are busy talking... or if they are busy listening to music on their iPods people are going into their backpacks and stealing other things. :(
 

yoak

macrumors 65816
Oct 4, 2004
1,486
44
Oslo, Norway
mac-er said:
You are calling the insurance company for an iPod?
Sheesh...how much is your deductible?

No wonder the rest of us pay such high premiums with people making insurance claims like that. :rolleyes:

You make a claim like that in the US, and they would say, "Sir, thank you for your claim. We have now cancelled your insurance policy."
That´s the US for you. I would have claimed it for sure (and got the money back)
What do you have insurance for?
Fun?
Disasters?:confused:
 

CanadaRAM

macrumors G5
yoak said:
That´s the US for you. I would have claimed it for sure (and got the money back)
What do you have insurance for?
Disasters?:confused:
Yeah, basically.

The thing they do is to make the low-deductible policies so freaking expensive that you can't afford them -- so you end up with a $500 deductible. You pay the first $500 of any loss... which means that the insurance is basically there only for major disasters.losses.

My pet peeve is a $300 deductible on auto glass for vandalism. A replacement window is $290. So the insurance co. pays nothing whenever someone does a smashandgrab on my car (3 x so far)
 

AppleMatt

macrumors 68000
Mar 17, 2003
1,780
20
UK
There are companies in the UK that also specialise in student insurance, such as Endsleigh, and you can actually insure not only your belongings (such as laptop, £1500 clothes etc) but individual items (ipods!) for next-to-nothing. The 'deductible' is £25, on any claim and as-long as you provide a crime number, they'll replace it.

AppleMatt
 

FireArse

macrumors 6502a
Original poster
Oct 29, 2004
893
102
AppleMatt said:
There are companies in the UK that also specialise in student insurance, such as Endsleigh, and you can actually insure not only your belongings (such as laptop, £1500 clothes etc) but individual items (ipods!) for next-to-nothing. The 'deductible' is £25, on any claim and as-long as you provide a crime number, they'll replace it.

AppleMatt
Well the iPod is covered twice on our Home & contents insurance. Good thing too. The excess (which is what I think you USA guys are referring to as a deductible) is £50. Still, on a 60GB iPod thats a fair comprimise i think.

But ya - thats whats insurance is for. otherwise - whats the point?
 

ignus graius

macrumors regular
Dec 4, 2005
232
0
FireArse said:
Well the iPod is covered twice on our Home & contents insurance. Good thing too. The excess (which is what I think you USA guys are referring to as a deductible) is £50. Still, on a 60GB iPod thats a fair comprimise i think.

But ya - thats whats insurance is for. otherwise - whats the point?
So what stops people from making a bunch of bogus claims and getting a lot of free money? That's what makes the insurance over here in the states such a freaking rip-off.

You UK blokes are lucky!
 

EGT

macrumors 68000
Sep 4, 2003
1,605
1
iGary said:
You need to get drunk.
Nooo! Then if you get attacked, you won't be able to defend yourself!

Xanax or valium would be better. Well, actually some Stella Artois could be effective. :rolleyes:
 

maxterpiece

macrumors 6502a
Mar 5, 2003
729
0
sucks. The way i understand it though, you get cash right? Well if you need firewire on your ipod then I'd suggest using the cash to purchase an older, firewire compatible ipod off ebay or something. You will probably come out ahead in terms of cash. Or worse comes ot worse, ebay the new 30gb 5g ipod. you'll get more than enough for a used or maybe refurbed 40gb ipod.

I'm sorry about your car and your school and your hair. All i can say is that it'll calm down eventually.

edit: but at least you still have the girlfriend!
 

Bern

macrumors 68000
Nov 10, 2004
1,854
1
Australia
Gosh I'm so sorry to read about this. I believe strongly in karma and have no doubt it will come back to bite the thief on the backside three fold.

My iPod never leaves it's Crumpler John Thursday which in turn is always in my Wack-O-Phone or The Skivvy.

All the best with your insurance company.
 

FireArse

macrumors 6502a
Original poster
Oct 29, 2004
893
102
maxterpiece said:
I'm sorry about your car and your school and your hair. All i can say is that it'll calm down eventually.
Thanks for the support dude. I now have earphones, my black sony earphones (i used for protection against the thing that actually happened) my dock, the AV cable without an iPod to use. What a bummer.

Hey - whats with the 5G iPod not having a remote port?! Thats the one thing I liked about my old Sony MiniDisc - the inline LCD remote. They were Nice. Bring it on the iPod Apple!
 

Ashapalan

macrumors 6502a
Apr 17, 2005
543
0
England
ignus graius said:
So what stops people from making a bunch of bogus claims and getting a lot of free money? That's what makes the insurance over here in the states such a freaking rip-off.

You UK blokes are lucky!
police
 

Applespider

macrumors G4
ignus graius said:
So what stops people from making a bunch of bogus claims and getting a lot of free money? That's what makes the insurance over here in the states such a freaking rip-off.
Police is one since insurance companies take fraud seriously and if you're claiming it's been stolen, they tend to require a police report.. They also share your information between themselves and you're required to declare past claims (within a time period) when you take out any new insurance. If you don't, and you need to claim, they'll refuse your claim even if it had no relevance.

The other option open to them, of course, is to up your premiums if you claim a lot. I pay around £200 a year for my contents insurance on the flat which includes a premium for my laptop in/out of the house (including abroad) and other personal items which are likely to be used in/out of house (iPod, mobile phone, jewellery).

I've claimed once on it when my handbag got snatched from me. I paid a £50 excess but they sent me a new phone, new iPod and around £300 in cash for the cost of the bag and other contents. The women in the call centre even reminded me to claim for things like lipstick and mascara which I wouldn't have bothered about. Within a week, everything was replaced and there. And my premium went down this year... :rolleyes:
 

gnasher729

macrumors P6
Nov 25, 2005
16,957
3,855
CanadaRAM said:
My pet peeve is a $300 deductible on auto glass for vandalism. A replacement window is $290. So the insurance co. pays nothing whenever someone does a smashandgrab on my car (3 x so far)
My car insurance is quite good with that. It seems they have their own company for replacing windscreens, and contracts with the manufacturers, so they minimise their costs. Any windscreen replaced = 50 pound, and it doesn't affect your insurance. They did the work on the car park of the company where I work, so no inconvenience at all.
 
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