Insuring an IPhone on your policy
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Tony101
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My insurer won't cover my iPhone, despite it obviously being a business essential, which is a shame.
I guess the risk of loss or damage to these expensive bits of kit is just too high.
Insuring separately can be an expensive proposition as well (I think my mate pays something like £15 per month for his). What I've saved by not insuring my phone individually would actually buy a new one! But it's obviously a gamble on my part.
I guess the risk of loss or damage to these expensive bits of kit is just too high.
Insuring separately can be an expensive proposition as well (I think my mate pays something like £15 per month for his). What I've saved by not insuring my phone individually would actually buy a new one! But it's obviously a gamble on my part.
AndWhyNot
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I insure with Aaduki but they won't cover my phone. Never mind it being a business essential for comms, mine actually earns me money as part of my camera equipment. Tried explaining as much but there was no movement. Individual premiums looked poor value so took the gamble to not insure and just be careful...
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Daughter-in-law recently dropped her iPhone into the loo; dried rice treatment failed to resuscitate it. My son remembered they had phone insurance in their home policy, so rang them up. Then rang me, spitting chips (at least partly at his own stupidity). The maximum amount the home insurance policy would pay was £250. The excess? £250. Net zero. 
He bought a second hand one off the evil bay with more memory for £150 or so!
OTOH, my daughter badly cracked the screen on her Galaxy S4 (bought from Phones4U, with insurance). She eventually put a claim in, after saying for ages that the insurance wouldn't be valid. They agreed to replace the phone, but actually sent a Galaxy S5 instead. This arrived two weeks before the end of her contract, so she can run that one for a couple of years SIM-only!
He bought a second hand one off the evil bay with more memory for £150 or so!
OTOH, my daughter badly cracked the screen on her Galaxy S4 (bought from Phones4U, with insurance). She eventually put a claim in, after saying for ages that the insurance wouldn't be valid. They agreed to replace the phone, but actually sent a Galaxy S5 instead. This arrived two weeks before the end of her contract, so she can run that one for a couple of years SIM-only!
psybear
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Very interested in this discussion having dropped my iPhone 6 down the toilet a couple of days ago. Thankfully it seems to have fully recovered (locked in headphone mode for a while) but it scared the bejesus out of me - it's the 64GB model and I can't afford to replace it with another £600 phone.
I'm probably either going to switch my banking to Nationwide FlexPlus (£10 pm but multiple phone cover, travel insurance, breakdown cover and interest) or Santander 123 (no phone cover but the savings and interest will more than cover standalone insurance). Best standalone deal I can find is Insurance2Go - £60 per year paid upfront with a discount code.
This is worth a read.
I'm probably either going to switch my banking to Nationwide FlexPlus (£10 pm but multiple phone cover, travel insurance, breakdown cover and interest) or Santander 123 (no phone cover but the savings and interest will more than cover standalone insurance). Best standalone deal I can find is Insurance2Go - £60 per year paid upfront with a discount code.
This is worth a read.
I've been looking at insurance and think that if you have a policy that allows unspecified contents out of the house, usually below a certain individual value, then this would be covered. I am still juggling whether to keep it on the contents policy or split it off for separate insurance with another company.