iPhone 4 Insurance

[RoryW]

Ok like alot of you I bought a Sim free iPhone 4, I gave o2 insure a bell today and got hold of a manager to verify a couple things to get cover through them once again.

Firstly you need to fax them proof of purchase which isn't a problem. The premium will be £15 a month and in the case of a claim you get a brand spanking phone (which for me is a must)

Unfortunitely this is were I got put off, any phone you receive from them will be LOCKED to the o2 network and whilst the unlock service will be running again this could cause problems in the long run.

I'd prefer not to use Lloyds TSB insurance again after a crap service I got 4 years ago so is there anyone else I can use that will replace the handset with a new one if damaged etc? I don't like recon stuff to be fair.

Any recommendations?

 

[DaveLiquid182]

Phoned my house insurance company as soon as I got home on Thursday. It's fully covered for no extra charge

 

[sneeks]

I've insured my new iPhone with my Santander Premium Account, I grudge paying o2 £15 per month.

 

[Lee]

I went online this morning and updated my cover with my LloydsTSB Gold account.

 

[RoryW]

I went online this morning and updated my cover with my LloydsTSB Gold account.

I had a NIGHTMARE with them when I had an N95 so won't be touching them again. Probably just my luck though so don't worry.

Plenty of companys come up when I google for something but sod trusting them lol

 

[colossuss]

Unfortunitely this is were I got put off, any phone you receive from them will be LOCKED to the o2 network and whilst the unlock service will be running again this could cause problems in the long run.

You could always use that to try and haggle the price down, if you are an existing o2 customer

 

[GarethM]

im going to cancel my temp O2 cover and use Halifax

 

[sneeks]

o2 offered to keep me on the £7.50 per month plan that I had been paying until buying my iPhone 4 but I would not receive the full value of my handset if I claimed. £20 per month to upgrade my bank account is a better option as it includes far more benefits including breakdown cover.

 

[jenic]

I've insured my new iPhone with my Santander Premium Account, I grudge paying o2 £15 per month.

Whats the excess on that, thinking of upgrading since the benefits seem really good for the money

 

[Liquid yellow 182]

Does the insurance through banks cover accidental damage and all that? may ask mine, alliance and Leicester as they are part of the santander group now.

 

[Lee]

Does the insurance through banks cover accidental damage and all that? may ask mine, alliance and Leicester as they are part of the santander group now.

http://www.lifestylegroup.co.uk/lloydstsb/Information/MPIAbout.aspxhttp://www.lifestylegroup.co.uk/lloydstsb/Information/MPIAbout.aspx

 

[Liquid yellow 182]

Can anyone use the above link or is that just for lloyds customers?

 

[Griff]

Can anyone use the above link or is that just for lloyds customers?

Lloyds customers.

 

[Gareth]

I don't bother with insurance, £15 a month, flol?

All these years I've never paid for it and never needed it, should I ever have to buy a replacement I'd still be quids in, same with road side assistance (another thing I've never paid for)






TOUCH WOOD

 

[JR]

All i did was swap it over on the 24th with my bank account. Job done.

 

[RoryW]

I don't bother with insurance, £15 a month, flol?

All these years I've never paid for it and never needed it, should I ever have to buy a replacement I'd still be quids in, same with road side assistance (another thing I've never paid for)






TOUCH WOOD

I had 3 x 3GS's in 11 months lol. O2 insure were absolutely great. Call up late night and new phone with me 1st thing in the morning! Can't fault them which is why I'm still tempted to stay with them even if I get a locked iPhone from o2 back.

 

[ChrisH]

hmm, £15 a month and £75 excess is a little excessive. My bank only covers you up to £300 and has a £35 excess. Any other ideas anyone?

 

[DB.]

02insure are £15 a month for me now (Was £7.50 until i claimed)

with a £25 excess.

 

[ChrisH]

Thats not for the iphone 4 though, the excess is £75 for that

 

[StevenMc29]

If you put it on the house insurance does it cover accidental damage?

 

[Initiale]

I don't bother with insurance, £15 a month, flol?

All these years I've never paid for it and never needed it, should I ever have to buy a replacement I'd still be quids in, same with road side assistance (another thing I've never paid for)

TOUCH WOOD

+1, 30yrs roadside assistance FOC FTW.

 

[RoryW]

Apparently our home insurance with Lloyds won't cover it either because we only recently joined them lol

Sorta thinking we should have kept everything with barclays now

 

[sneeks]

Whats the excess on that, thinking of upgrading since the benefits seem really good for the money

I only received my policy details today. £25 excess for any successful claim. Worldwide cover against loss, theft, breakdown and accidental damage and £1000 cover for unauthorised calls. Repair or replacement of your phone if it is damaged or breaks down outside its warranty. The handset can not cost more than £800.