09 Mar 2015

A question about : smart phone insurance

just updated to a new samsung note 4 edge, from an old iphone, Im now paranoid about mainly accidental damage, dropping it etc.
Can anyone with experience with insurance recommend a good cheap policy?
I was also thinking about hte Nationwide FlexPlus accound upgrade which has phone insurance but i got my phone in ebay so dont really havea receipt, do you think this is a problem?

thanks in advance

Best answers:

  • Ebay does provide you with receipts. Some have issues with auction site bought phones but others dont.
    In reality there is no such things as good mobile insurance as far as I know. Its historically been so prone to fraud after people "accidently" drop their iPhone 6 the day after the iPhone 6S is released etc that the terms became so restrictive to make many claims declined. Add to that most have an excess and are on a secondhand valuation basis rather than new for old.
    Your home insurance & personal possessions cover on it provides better cover but its unlikely to be economical to claim just for a dropped phone when you factor in excess and premium increases but more when your bag with your phone plus other things get stolen etc.
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