O2 insurance...

Lynton

Lynton

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Lynton (yes really!)
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Hmmm £12.50 a month...

covers the S5 and accessories upto £300 *





*if all things lost togethr. Hwe likely am i to lose a phone in a case in a sealed bag and the watch off my wrist at the same time?


Grrrrr!
 
Won't your watch be covered by your household insurance? I'd investigate that for options for mobile phone/gadgets etc.

There are a few standalone gadget insurers but the costs and small print makes them crap in the main.
 
ecoleman said:
Rip off, I insure all my house contents and £5k goods with me including all my camera gear for a bit more than that.
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This! (y) (only a bit less than this)
 
Note your excess too, is it going to be worth it. For 12 50 a month I'd be looking for zero excess
 
Lynton....shame on you for considering paying that much!
 
was a new phone and new policy as don't want to claim on HH if needs be for something small. I caould agrue misselling however under distance regs invoked the 14 days!
 
Never can understand people that have home insurance, but take out more insurance so they don't have to claim on their home insurance.

If you need to claim then claim, that's why you pay bloody insurance
 
For things you take out of the home regularly that are likely to be stolen/damaged then a zero excess policy that doesn't affect your main insurance (although wouldn't you have to legally tell them anyway??) is quite good.

If you claim on home insurance they pretty much double your premium and it stays high for several years. I made one claim then realised I'd never want to claim again unless it was for a substantial amount. This is why people lie and bump up claims. They know full well the insurers will screw them for years anyway so want to get the recompense!
 
srichards said:
For things you take out of the home regularly that are likely to be stolen/damaged then a zero excess policy that doesn't affect your main insurance (although wouldn't you have to legally tell them anyway??) is quite good.

If you claim on home insurance they pretty much double your premium and it stays high for several years. I made one claim then realised I'd never want to claim again unless it was for a substantial amount. This is why people lie and bump up claims. They know full well the insurers will screw them for years anyway so want to get the recompense!
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That's rubbish IMO. I've claimed a few times and my premium has never "pretty much doubled".
The premium quoted by the OP is ridiculous, I cover my buildings and contents for around £20 a month and that includes full accidental damage and up to £5000 worth of goods whilst outside the home anywhere in the world.
As said above can't see the point of insurance if you don't want to claim when you need to.
 
srichards said:
For things you take out of the home regularly that are likely to be stolen/damaged then a zero excess policy that doesn't affect your main insurance (although wouldn't you have to legally tell them anyway??) is quite good.

If you claim on home insurance they pretty much double your premium and it stays high for several years. I made one claim then realised I'd never want to claim again unless it was for a substantial amount. This is why people lie and bump up claims. They know full well the insurers will screw them for years anyway so want to get the recompense!
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We've claimed twice on home insurance. Once when we were burgled and my laptop and Sue's phone were stolen and the other time when she was in Canada and her bag (with phone in) was stolen in a bar (they paid out despite the fact that the bag was left unattended) and the premium increase barely registered, if at all.

I suppose this is where your choice of insurer is important. I can save a few quid by shopping aro-und but there's no guarantee that we'd get the same level of service that we've had.
 
Craig1912 said:
That's rubbish IMO. I've claimed a few times and my premium has never "pretty much doubled".
The premium quoted by the OP is ridiculous, I cover my buildings and contents for around £20 a month and that includes full accidental damage and up to £5000 worth of goods whilst outside the home anywhere in the world.
As said above can't see the point of insurance if you don't want to claim when you need to.
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It's not. I claimed on mine the first year I had it and it did nearly doubled for the following year! That was in 2000 so it may all be different now.
 
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