so O2 rejected my iphone insurance claim

Discussion in 'iPhone Tips, Help and Troubleshooting' started by spacka, Apr 28, 2009.

  1. spacka macrumors member

    Joined:
    Mar 11, 2008
    Location:
    UK
    #1
    hello all

    basically i lost my iphone like a week ago when i was in the lake district. however, i didnt report it until yesterday. i know thats kind of my fault but i pay like £7 extra a month for premier insurance for this kind of thing happening.

    anyway, i then assumed hthat i could go into the O2 store and buy an iphone 16gb for £155 and then link my contract back up. obviously i was wrong. apparently i have to buy a pay as you go iphone and it would cost like almost £400 to get everything back to normal.

    basically im asking does anybody know where i can get a cheap iphone to use with my previous iphone's sim card?

    thanks.
     
  2. koobcamuk macrumors 68040

    koobcamuk

    Joined:
    Oct 23, 2006
    #2
    Surely if you're insured for loss, you can say "I lost it" and they'll send you a new one for free? That's what insurance is for.
     
  3. The Californian macrumors 68040

    The Californian

    Joined:
    Jan 17, 2009
    Location:
    Surfers Paradise
    #3
    So you "LOST" your iPhone but still have your SIM card? That doesn't sound dodgy at all. I'd reject that claim as well... Haha
     
  4. iBecks macrumors 6502

    Joined:
    Nov 24, 2006
    Location:
    Nottingham, UK
    #4
    You should rename the title of the thread.

    It wasn't Apple that refused your insurance claim, it was O2.
     
  5. spacka thread starter macrumors member

    Joined:
    Mar 11, 2008
    Location:
    UK
    #5
    i got a new sim card from the O2 store yesterday.
     
  6. iBecks macrumors 6502

    Joined:
    Nov 24, 2006
    Location:
    Nottingham, UK
    #6
    Taken from O2 website.

    I can't see why you would have to buy a PAYG iPhone.


    All the cover you need. O2 Insure.

    Cover your iPhone with O2 Insure Premier

    Whether you lose it, damage it or it gets stolen, nothing will be more frustrating than being without your iPhone. O2 Insure Premier has been designed to get you back up and running as quickly and easily as possible. Insuring your iPhone with O2 Insure Premier costs just £120 a year. If you're a Pay Monthly customer you can spread the cost over 12 months for just £10 a month which is added to your bill.

    What's covered?
    Theft
    Loss
    Accidental Damage (including water damage)
    Worldwide cover - including free international delivery
    Guaranteed new replacement
    Accessory cover up to £200

    What's not covered?
    The first £25 of each successful claim (excess fee)
    Theft where your iPhone has been left unattended in a public place
    The cost of repairs that fall within your iPhone warranty
     
  7. spacka thread starter macrumors member

    Joined:
    Mar 11, 2008
    Location:
    UK
    #7
    exactly. but two different people on the phone said that i needed to report it within 48 hours and then when i made the official claim that was the reason they rejected it.
     
  8. iBecks macrumors 6502

    Joined:
    Nov 24, 2006
    Location:
    Nottingham, UK
    #8
    Is that stated in the terms and conditions of making a claim?

    If so, then there's not a lot you can do about it.

    Unless, you have home insurance that covers items away from the home, but again, there may be a time limit on raising the claim.
     
  9. John T macrumors 68020

    John T

    Joined:
    Mar 18, 2006
    Location:
    UK.
    #9
    According to the terms & conditions of your insurance, you have to register your claim within 48 hours of the loss. Sorry, but it appears that you don't stand a chance! :(
     
  10. iBecks macrumors 6502

    Joined:
    Nov 24, 2006
    Location:
    Nottingham, UK
    #10
    If you are unhappy with their decision, you could write in and complain, the details are at the back of the terms and conditions at the following link.

    O2 Insure Premier - T&C's
     
  11. spacka thread starter macrumors member

    Joined:
    Mar 11, 2008
    Location:
    UK
    #11
    thanks for the help guys. appreciate it.

    could anybody give me any suggestions on what you would probably do? i.e. is there anywhere i could get a cheap iphone perhaps?

    also, my renewal date for my contract is august 2009 (in case that would have any bearing on what you'd do).
     
  12. dsnort macrumors 68000

    dsnort

    Joined:
    Jan 28, 2006
    Location:
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    #12
    Anytime you're dealing with any kind of insurance, make sure you know all the little codicils in the terms. They are in there to help the insurance company NOT pay out.

    Insurance companies didn't become filthy, obscenely rich by paying paying out claims, they got that way by collecting premiums without paying out claims.

    Or maybe I'm just bitter.
     
  13. John T macrumors 68020

    John T

    Joined:
    Mar 18, 2006
    Location:
    UK.
    #13
    Why not give O2 a ring? I've always found them to be extremely helpful. Don't forget, you may have lost your 'phone but you haven't lost your contract! :)
     
  14. instaxgirl macrumors 65816

    instaxgirl

    Joined:
    Mar 11, 2009
    Location:
    Edinburgh, UK
    #14
    If your contract expires this Summer I'd probably just wait it out and hope a new iPhone's out by then. As for cheap iPhones - £200's about the going rate for a 8GB 2G on eBay, so they're not exactly cheap . . .
     
  15. The Californian macrumors 68040

    The Californian

    Joined:
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    Location:
    Surfers Paradise
    #15

    Or you could just call them back and say you lost it today.
     
  16. kAoTiX macrumors 6502

    kAoTiX

    Joined:
    Oct 14, 2008
    Location:
    Midlands, UK
    #16
    I agree with xbuddycorex, if they haven't logged it on their system that you've attempted a claim just say you lost it today and leave it at that. They can't prove you lost it say a week ago.
    But as others have said you should check up on your policy T+C's before you make a claim to avoid this kind of problem. Such a simple thing has evidently cost you your iPhone.

    Failing them taking your claim saying it was today i'd have to say you're on your own. No offense or anything (as I am totally behind you) but it's your fault for not educating yourself with the details of your insurance in the first place.
    Try calling and speaking to a supervisor/manager and explaining the situation that you lost it and had no way to contact them until now.
     
  17. spacka thread starter macrumors member

    Joined:
    Mar 11, 2008
    Location:
    UK
    #17
    i would have tried to ring again but im pretty sure theyd have it logged and theyd also have the phone barred already?
     

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