arw_86 Posted June 17, 2012 Report Share Posted June 17, 2012 dropped my phone today, smashed the screen and it no longer works. My mate said he did that, took out phone insurance when he got home then a week later, said he broke it and the insurance gave him a new one. is it really that easy?! i bought my phone second hand for cash off a friend so have no proof of purchase, but obviously i can send my phone in as proof. If its as easy as he makes it sound......surely everyone would do it and/or buy faulty ones off ebay Quote Link to comment Share on other sites More sharing options...
isitafox Posted June 17, 2012 Report Share Posted June 17, 2012 I have a few friends who have done it to be honest Quote Link to comment Share on other sites More sharing options...
dann2707 Posted June 17, 2012 Report Share Posted June 17, 2012 Kinda related as i've just bought a new phone (contract) so I've been looking at insurance. If it does work, carefully look at the small print as some of it is absolutely ridiculous. Seem loads of reviews of companies that reject a "stolen phone" claim as the phone wasn't taken with violence, the phone had to be taken and harm given to the owner for the claim to pass their terms. Ridiculous in my eyes. So yeah, just when you do phone them up or whatever make sure you don't drop yourself in it by saying something wrong - some companies only accept water damage etc. Quote Link to comment Share on other sites More sharing options...
Rich J Posted June 17, 2012 Report Share Posted June 17, 2012 When insuring the otherhalfs phone we needed a number off the phone, may be able to get it from somewhere else though, packaging or something? Quote Link to comment Share on other sites More sharing options...
Mikee Posted June 17, 2012 Report Share Posted June 17, 2012 What phone is it? For the hassle and the risk of a rejected claim (I too have heard about loads of claims rejected for stupid reasons) It might be worth repairing it yourself. If it is just the screen, they are usually only about £15 - £25 depending on the phone it is for. Quote Link to comment Share on other sites More sharing options...
Simpson Posted June 18, 2012 Report Share Posted June 18, 2012 2nd hand phones cant be covered I don't think? They need to be less than 6 months old for you to take out a policy on them and must have proof of purchase and stuff? Look into it youself before hand. Quote Link to comment Share on other sites More sharing options...
Tom Canham Posted June 18, 2012 Report Share Posted June 18, 2012 (edited) Ive just put in an insurance claim on my phone (iPhone, completely smashed the front glass) and we had to scan in and email them proof of purfhase before they even considered the claim. Edited June 18, 2012 by Tom Canham Quote Link to comment Share on other sites More sharing options...
anzo Posted June 18, 2012 Report Share Posted June 18, 2012 I know with some insurance companies if you claim within the first 6 months of the policy then you must pay 6 months worth of premium before you can claim. Therefore I think paying for a new screen would be cheaper in the long run... Quote Link to comment Share on other sites More sharing options...
Danny Posted June 18, 2012 Report Share Posted June 18, 2012 Plus it's fraud. 1 Quote Link to comment Share on other sites More sharing options...
GaZaa Posted June 19, 2012 Report Share Posted June 19, 2012 If it does work, carefully look at the small print as some of it is absolutely ridiculous. So yeah, just when you do phone them up or whatever make sure you don't drop yourself in it by saying something wrong - some companies only accept water damage etc. My iPhones microphone randomly stopped working months ago and the home button is really temperamental so I took it to apple for repair. They wanted £120 to do a straight swap but suggested claiming on house contents insurance. Tried doing that but because I've not knowingly dropped the phone it's my problem and up to me to pay for it. I'll be glad to get rid of the pile of shit and as most of you guys seem to be Android fanboys, and I've seen and read good things I'll hopefully be upgrading to a more reliable and useful phone soon. Insurance is there to put the owner of the insured goods 'in the same position they were in before' so not to make gains or losses. So if you broke your phone and insured it as working as Danny says it would be fraudulent. Doesn't stop people doing it though and then complaining that insurance on things is so ridiculously high! I wouldn't drive my car uninsured, crash it and then insure it to get it fixed. Morally I think the same applies with most other things too. Quote Link to comment Share on other sites More sharing options...
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