Lost or stolen phone claim - urgent

Hi,

Last night I either lost my phone or it had been stolen or nicked, I am not
sure as in the morning I just didn't have it. I was in a pub and then walked
home. I don;t know at which point it had disappeared. It was insured as it
was XDA MINI S, worth around £400.

I am going to go to the police to report it but not sure what? Lost, stolen?
I don't know.

I obviously want to have it replaced, but my policy says there are
exclusions such as it doesn't cover 'theft from any property, place or
premises unless such theft or damage has occured through forced and violent
entry or exit' and 'theft from the person is not covered unless force or
threat of violence is used'.

Does it mean that the policy doesn't cover what happened to me? Does it
cover only thefts with use or threat of violence? It is £6.50 per month
insurance, so I think it should cover accidental loss or theft like
pickpocketing or theft from bar table or anything like that.

What should I do to get it replaced? I am about to go to the police station
but unsure what to tell them.

The insurer is Citymain Administrators, mobile from o2.

Any advice would be greatly appreciated.


Cheers,

Paul

Mr. Polzek wrote:

> Last night I either lost my phone or it had been stolen or nicked, I am not
> sure as in the morning I just didn't have it. I was in a pub and then walked
> home. I don;t know at which point it had disappeared. It was insured as it
> was XDA MINI S, worth around £400.

> I am going to go to the police to report it but not sure what? Lost, stolen?
> I don't know.

> I obviously want to have it replaced, but my policy says there are
> exclusions such as it doesn't cover 'theft from any property, place or
> premises unless such theft or damage has occured through forced and violent
> entry or exit' and 'theft from the person is not covered unless force or
> threat of violence is used'.

>From your description of the exclusions, it doesn't sound as if it will
be covered - sounds like they will cover muggings but not pickpocketing
or any other kind of mysterious disappearance. It's hard to tell though
without seeing the full policy wording but doesn't look like you're
going to have much luck getting it replaced under the insurance.

Tariq

Mr. Polzek wrote:
> Hi,
>
> Last night I either lost my phone or it had been stolen or nicked, I am not
> sure as in the morning I just didn't have it. I was in a pub and then walked
> home. I don;t know at which point it had disappeared. It was insured as it
> was XDA MINI S, worth around £400.
>
> I am going to go to the police to report it but not sure what? Lost, stolen?
> I don't know.
>

Well, I would go with the old, it must have been pick pocketd then.
That way it'll definatly be blocked and whoever found it wont be able to
use it, as you never know, it could have been picked out of your pocket.

That way the insurance company have a definitive answer, stolen.

I've only ever made 2 claims on my insurance and on both occasions it
was the same kind of circumstances as yourself and I really didn't know
if I had lost it, or if it'd been stolen, and last I remember it was in
my pocket. Both claims were accepted.

>
>
>>I obviously want to have it replaced, but my policy says there are
>>exclusions such as it doesn't cover 'theft from any property, place or
>>premises unless such theft or damage has occured through forced and violent
>>entry or exit' and 'theft from the person is not covered unless force or
>>threat of violence is used'.
>
>
>>From your description of the exclusions, it doesn't sound as if it will
> be covered - sounds like they will cover muggings but not pickpocketing
> or any other kind of mysterious disappearance. It's hard to tell though
> without seeing the full policy wording but doesn't look like you're
> going to have much luck getting it replaced under the insurance.
>
> Tariq
>
Ah, I didn't read that bit properly.

So, it doesn't cover theft from the person unless someone threatens you,
ok, so it doesn't say anything about losing it though does it? One
minute you had it, the next you couldn't find it, might be best to go
down that route?

"Mr. Polzek" <paul69uk@blueyonder.co.uk> wrote in message
news:d3ang.212564$8W1.100118@fe1.news.blueyonder.c o.uk...
> Hi,
>
> Last night I either lost my phone or it had been stolen or nicked, I am
> not sure as in the morning I just didn't have it. I was in a pub and then
> walked home. I don;t know at which point it had disappeared. It was
> insured as it was XDA MINI S, worth around £400.
>
> I am going to go to the police to report it but not sure what? Lost,
> stolen? I don't know.
>
> I obviously want to have it replaced, but my policy says there are
> exclusions such as it doesn't cover 'theft from any property, place or
> premises unless such theft or damage has occured through forced and
> violent entry or exit' and 'theft from the person is not covered unless
> force or threat of violence is used'.
>
> Does it mean that the policy doesn't cover what happened to me? Does it
> cover only thefts with use or threat of violence? It is £6.50 per month
> insurance, so I think it should cover accidental loss or theft like
> pickpocketing or theft from bar table or anything like that.
>
> What should I do to get it replaced? I am about to go to the police
> station but unsure what to tell them.
>
> The insurer is Citymain Administrators, mobile from o2.
>
> Any advice would be greatly appreciated.

In my younger days when I had lack of funds, and perhaps had an essential
item, then if I had to I would have said I was mugged when I wasn't
perhaps... It never happened, but many policies have stupid get out clauses.

In future Mr.Polzek use your home contents' insurance, rather than a
seperate mobile insurance policy - they are a ripoff.

Mr. Polzek wrote:
> Hi,
>
> Last night I either lost my phone or it had been stolen or nicked, I am not
> sure as in the morning I just didn't have it. I was in a pub and then walked
> home. I don;t know at which point it had disappeared. It was insured as it
> was XDA MINI S, worth around £400.
>
> I am going to go to the police to report it but not sure what? Lost, stolen?
> I don't know.
>
> I obviously want to have it replaced, but my policy says there are
> exclusions such as it doesn't cover 'theft from any property, place or
> premises unless such theft or damage has occured through forced and violent
> entry or exit' and 'theft from the person is not covered unless force or
> threat of violence is used'.
>
> Does it mean that the policy doesn't cover what happened to me? Does it
> cover only thefts with use or threat of violence? It is £6.50 per month
> insurance, so I think it should cover accidental loss or theft like
> pickpocketing or theft from bar table or anything like that.
>
> What should I do to get it replaced? I am about to go to the police station
> but unsure what to tell them.
>
> The insurer is Citymain Administrators, mobile from o2.
>
> Any advice would be greatly appreciated.
>
>
> Cheers,
>
> Paul

Insurance typically covers everything until you make a claim.
Irma

Inviato da X-Privat.Org - Registrazione gratuita http://www.x-privat.org/join.php

> Insurance typically covers everything until you make a claim.
> Irma
>
Too true.

>
> In my younger days when I had lack of funds, and perhaps had an essential
> item, then if I had to I would have said I was mugged when I wasn't
> perhaps... It never happened, but many policies have stupid get out clauses.
>
> In future Mr.Polzek use your home contents' insurance, rather than a
> seperate mobile insurance policy - they are a ripoff.
>
>

All the same let us know how you get on!

Charlie Mitchell wrote:
> So, it doesn't cover theft from the person unless someone threatens you,
> ok, so it doesn't say anything about losing it though does it? One
> minute you had it, the next you couldn't find it, might be best to go
> down that route?

Also some don't cover "high risk" premises such as pubs and theme parks.

--
Marc
See http://www.imarc.co.uk/ for contact information.

On Sat, 24 Jun 2006 12:17:13 GMT, "Mr. Polzek"
<paul69uk@blueyonder.co.uk> wrote:

>had been stolen or nicked

I'm not sure I understand the difference between these two.

However, either way, it sounds to me as if you are not covered.

My advice remains the same: don't waste your money on mobile phone
insurance.

You may well find that you're covered by your household insurance in
any case.

--

Iain
the out-of-date hairydog guide to mobile phones
http://www.hairydog.co.uk/cell1.html
Browse now while stocks last!

<hairydog@despammed.com> wrote in message
news:jhfr92127628pi0uma3op1i368o6lbcd7k@4ax.com...
> On Sat, 24 Jun 2006 12:17:13 GMT, "Mr. Polzek"
> <paul69uk@blueyonder.co.uk> wrote:
>
> >had been stolen or nicked
>
> I'm not sure I understand the difference between these two.
>
> However, either way, it sounds to me as if you are not covered.
>
> My advice remains the same: don't waste your money on mobile phone
> insurance.
>
> You may well find that you're covered by your household insurance in
> any case.
>
> --

....ah, but only if you have the All Risks section active. I do (and
was glad I did when my cameras were stolen) but you'd be surprised by
how many people think it is not necessary/expensive so don't.


--
Woody

harrogate3 at ntlworld dot com

"Marc" <see@signature.url> wrote in message
news:1151178373.25311.0@iris.uk.clara.net...
> Charlie Mitchell wrote:
>> So, it doesn't cover theft from the person unless someone threatens you,
>> ok, so it doesn't say anything about losing it though does it? One
>> minute you had it, the next you couldn't find it, might be best to go
>> down that route?
>
> Also some don't cover "high risk" premises such as pubs and theme parks.

I work in a theme park and the amount of mobiles people just leave is
unreal.

"Dr. Compynei" <idonotbuymyclothes@ntlworld.com> wrote in
message news:zgAng.60149$uP.58835@newsfe2-gui.ntli.net
> "Marc" <see@signature.url> wrote in message
> news:1151178373.25311.0@iris.uk.clara.net...
> > Charlie Mitchell wrote:
> > > So, it doesn't cover theft from the person unless
> > > someone threatens you, ok, so it doesn't say anything
> > > about losing it though does it? One minute you had
> > > it, the next you couldn't find it, might be best to
> > > go down that route?
> >
> > Also some don't cover "high risk" premises such as pubs
> > and theme parks.
>
> I work in a theme park and the amount of mobiles people
> just leave is unreal.

Likewise on the buses. I work for a bus company and at least one or two
are left every day on the buses at our garage alone. I was in the office
once when one was handed in a couple of weeks ago, my manager was there as
well and decided to ring up the number under "home" in the phonebook and
tell the owner their phone had been found. He soon wished he'd not
bothered as whoever was on the other end couldn't speak English very well
and it took him the best part of 5 minutes to explain to her how to get to
the garage to collect it..!

Ivor

> it took him the best part of 5 minutes to explain to her how to get to
> the garage to collect it..!

I`ve had days like that from 9am to 5pm... i`m sure he felt good about
doing the right thing though :-)

Hi paul69uk@blueyonder.co.uk "Mr. Polzek"

: Hi,
:
: Last night I either lost my phone or it had been stolen or nicked, I
: am not sure as in the morning I just didn't have it. I was in a pub
: and then walked home. I don;t know at which point it had disappeared.
: It was insured as it was XDA MINI S, worth around £400.
:
: I am going to go to the police to report it but not sure what? Lost,
: stolen? I don't know.
:
: I obviously want to have it replaced, but my policy says there are
: exclusions such as it doesn't cover 'theft from any property, place or
: premises unless such theft or damage has occured through forced and
: violent entry or exit' and 'theft from the person is not covered
: unless force or threat of violence is used'.
:
: Does it mean that the policy doesn't cover what happened to me? Does
: it cover only thefts with use or threat of violence? It is £6.50 per
: month insurance, so I think it should cover accidental loss or theft
: like pickpocketing or theft from bar table or anything like that.
:
: What should I do to get it replaced? I am about to go to the police
: station but unsure what to tell them.
:
: The insurer is Citymain Administrators, mobile from o2.
:
: Any advice would be greatly appreciated.

erm, best advice I can give: don't get so pissed that you lose yer
phone, man! lol
:
:
: Cheers,
:
: Paul

--
The Hippy