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> Insurance On Cell Phone? F *K that!
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i have never had any mobile insurance, i dont let my phones outta my sight. also i dont need, mobiles are covered in my houses contents insurance.
i read a while ago that a lot of policies cover mobiles but people dont realise and get seperate cover, another example of insurance companies winning......?
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Posted: 2004-10-31 07:17:00
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I have to say I'm not a big fan of all this insurance either. I think the general rate for phone insurance is something like £4 or £5 a month, or £60 a year max.
This would possibly be worth it if you had an S700 or a P910, but otherwise it's a false economy. I never take out the offer of insurance when I buy a TV or something - it's usually guaranteed for a year by the store anyway!
This is perhaps me being cynical here, but when you come to make a claim, they often find a way of squirming out of paying any money to you, like saying it's your fault therefore no money, and most don't cover you for water damage - so no dropping you phone in a puddle!
And if you operate some common sense - like not leaving it in your car when you get out (even for a matter of seconds) or leaving it on edges of tables, etc., there's much less chance of you losing/breaking it. Even with all the mobiles I've had recently, I've (touchwood) not had a problem yet!
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Posted: 2004-10-31 11:04:51
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Never needed insurance for my phones, I don't even know if Belgium has this.
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Posted: 2004-10-31 11:47:09
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but it this way, i payed £300 for my p900 when it came out, ok its not millions and millions but its still a fair bit of money. i took out a £4.99 per month insurance on it which just incase i brake it or it gets stolen i get a new 1.
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Posted: 2004-10-31 17:33:33
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Have u ever wondered how a company defines 'stollen phone?' If it's an agression involved(e.g broken arm,stab wound) and u press charges,yes,u might have a chance.Otherwise,if someone robs u and u r smart enough not to get stabbed for a damn phone,u won't get the money back!This is only 1 of 'the reasons' u read if u bother to look it up in the contract. Scam is too soft of a word for 'mobile insurance'. Not for me.
This message was posted from a T610
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Posted: 2004-10-31 20:10:35
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I can't say I like paying for the insurance but It can be damn handy. Even if you don't let it out of your sight or are careful about dropping it, it dosnt stop things like what happened to the girlfriend a month ago where the phone was in her handbag which was snatched from her shoulder in a supermarket carpark by somebody leaning out of a car window as they drove past her, or in my own case when two of us where attacked when we come out of a pub by a gang who took anything they could grab.
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Posted: 2004-10-31 20:59:59
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id never have a phone without insurance!
ok so say i dont loose it, break it, its gets stolen?
but say on its own accord it decides it doesnt want to work anymore. i know id have warranty, but id have to send my phone away to the respective manufacturer, and it could be away for weeks! or i could alternatively pay an extra £5 a month and get a new phone delivered to my house the next day!
now i know i shouldnt be paying for manufacturers problems, but its one thing this is covered under the big umbrella of insurance!
fatreg
God bless Orange Care!!
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Posted: 2004-10-31 21:02:43
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My comments and opinions, as requested by bikeme:
I think you're well over the top mate! In London, for example, mobile phones are THE item most commonly lost/stolen on public transport. It's not for everyone and there is certainly the argument that if you can afford to pay the insurance, you could probably run the risk and afford to buy yourself a new one, but to say that it's "the biggest scam on the planet" and "ALWAYS a bad thing" is stretching a point a bit. The mobile company I work for receives thousands of claims a month and pays out on something like 96% of them. That means the chances of needing a replcement are clearly not "very, very slim".
Yes, you certainly have to weigh up the cost of the cover on offer against the value of your phone and the risk, not forgetting peace of mind as a very important factor to many people (who may or may not lose their phone but probably won't have a spare £100-£500 available at the time to replace it) Either way, as with everything else, it's a subjective thing and dependent on a number of variables, but to be honest, it sounds like you've had a bad experience and you're talking out of your backside in an effort to discredit insurers
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Posted: 2004-10-31 23:28:19
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I'm gonna go with the insurance is a good thing in certian circumstances pack too.
I work for a mobile retailer in the UK so it is my job to push insurance to people who buy phones. At first I'll be honest, i was sceptical of insurance, what value can it possibly have etc. But once you see day in day out people coming in with water damaged phones (which our insurance does pay out on), damaged screens (colour lcds ain't cheap to fix), stolen phones the list is endless. Hell I even had a customer who dropped their phone outside the shop, it got run over by a bus so she came straight in and within 15min was walking back out with a working handset.
For some people insurance is well worth it, for others it's not. Besides myself and most of my colleagues recommend customers cancel any insurance after 6 months since anything that is likely to happen, happens in the 1st 6 months
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Posted: 2004-10-31 23:56:15
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I don't know about you but I only pay £50 a year for protection and I find it rather good.
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Posted: 2004-11-01 00:03:21
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