Phone insurance

[rich 36]

T-mobile
(apparently) can't add insurance to my contract retrospectively
as its contract is older than 45 days?

not quite sure how exactly this works still,

Need to find an insurer before my clumsiness
see me drop/lose handset



again




[guarded] any ideas [/guarded]

[voyds9]

Get mine insured through my bank account.

[agent006]

House insurance. Specific mobile insurance is a rip-off.

[mattyb123]

there is no point in having phone insurance whatsoever, the chances are you will never need it and so replacing a lost/stolen/broken phone is cheaper if you just pay for the replacement yourself

[benojir]

I get mine with my bank account. Lloyds TSB Gold Service, which costs me £7/month. ( I think there's an offer at the moment £5 for new customers)

I don't technically pay all of that for the insurance, as with the phone cover I get AA breakdown cover, £100 interest free overdraft (read poor student, so this is useful), worldwide travel insurance and other things which are of no real benefit to me.

For me it's worthwhile as my bank wouldn't give me an interest free overdraft due to poor credit history on this account, so the £7 is worth the savings of charges I may have got if I hadn't an overdraft.

Otherwise as stated above, home insurance, or any bog-standard phone insurence which costs ~
£5-6/ month.

Another note- I would much rather pay the £30 excess and premium for a brand-spanking new (or refurb) phone within 24 hours of the claim, than personally fork out for a new one. Also not forgetting the cover I get for unauthorized use 24 hours before I report it lost, just in case some dirty scroatish low-life was to abuse my line.

Ben