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mobile phone insurance

by lucky8 15 March 2010 |

7 comments | Love

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i paid every month for my mobile phone insurance, when the phone broke, they wouldnt replace the phone.
can i claim my insurance premiums back? if they wont replace the phone - whats the point, i paid almost £150 that year to cover the phone...

have i been ripped off, can i claim that money back?

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410

manzanilla posted
why won't they replace it? what does the policy say?
manzanilla
Posted on 15 March 2010 | Love 0 loves Report
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lucky8 posted
it was with my phone company 18months ago, (no idea where the documents are now to be honest, i was asking more out of curiosity) but cancelled the insurance as soon as they said they wouldnt replace the phone!
this time when i have renewed my contract - i have not taken out phone insurance with the network provider! i am putting it on my house insurance!
Posted on 15 March 2010 | Love 0 loves Report
410

manzanilla posted
They must have explained to you why they would not replace the phone?
It really isn't possible for us to second-guess what has happenened. We need to know the reason/excuse for not replacing the phone. And you need to compare that to the T&Cs of the insurance.
Phone insurance is usually a rip-off. That doesn't mean that you can claim the money back :(
manzanilla
Posted on 15 March 2010 | Love 0 loves Report
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lucky8 posted
their excuse was i hadnt reported the fault within a specific time - when in actual fact i had & made several calls to them about it!
i didnt think i would be able to claim that insurance money back - it was just out of curiosity, with all the ppi claims etc..
i would probably have to find all the documentation (which in my bermuda triangle of a house, would be near impossible haha!)
thanks for your help anyway
Posted on 15 March 2010 | Love 0 loves Report
410

manzanilla posted
their excuse was i hadnt reported the fault within a specific time -
when in actual fact i had & made several calls to them about it!
Then you should have queried their decision, saying this. And if you were still not satisfied after going threough the company's complaints process, then you could go to the insurance ombudsman.
If you can't find the documentation, you can ask them to supply you with another copy.
manzanilla
Posted on 15 March 2010 | Love 0 loves Report
272

Swarbs posted
I agree with manzanilla - make a formal complaint and then contact the Insurance Ombudsman. The only point of the insurance is to replace the phone if it breaks or is lost - if they haven't done that then you need to get your complaining hat on and kick the s**t out of them! Don't accept their excuses - most phone companies deliberately make the claims process difficult to reduce the amount they have to pay out. If in doubt, put the complaint in writing, contact the ombudsman and they will sort it all out for you.
Posted on 15 March 2010 | Love 0 loves Report
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lucky8 posted
thank you!
i will get straight on with it 2moro.
will keep every1 posted. fingers crossed something will be done about it!!
regards
mark & sal
Posted on 15 March 2010 | Love 0 loves Report