O2 mobile phone insurance - bad experience

Hi,
just a short note for anyone considering O2 mobile phone insurance - I
had some bad experience with that and can't recommend it to anyone!
1)You pay first £25 of any claim - too hi!
2)If you use a different phone and your phone is stolen then they will
not pay out/replace your phone
as apparantly they have this small print clause that you have to use
original phone.

Ta
hope this helps.

---

› See More: O2 mobile phone insurance - bad experience

<[email protected]> wrote in message
news:[email protected]...
Hi,
just a short note for anyone considering O2 mobile phone insurance - I
had some bad experience with that and can't recommend it to anyone!
1)You pay first £25 of any claim - too hi!
2)If you use a different phone and your phone is stolen then they will
not pay out/replace your phone
as apparantly they have this small print clause that you have to use
original phone.

Ta
hope this helps.

1. logical and might be considered reasonable..........considering a
replacement may well be £200 or £300.
2. seems fair you dont insure your car and claim for another if you have an
accident. If you do it is written in your insurance, as a clause.

<[email protected]> wrote in message
news:[email protected]...
Hi,
just a short note for anyone considering O2 mobile phone insurance - I
had some bad experience with that and can't recommend it to anyone!
1)You pay first £25 of any claim - too hi!
2)If you use a different phone and your phone is stolen then they will
not pay out/replace your phone
as apparantly they have this small print clause that you have to use
original phone.

Ta
hope this helps.

It helps if people read what it is they are buying. Most phone insurance is
used by people wanting to upgrade on the cheap anyway. Companies know most
stolen phones appear on auction sites! Mobile companies hardly ever block
them as it means continued revenue. I have never known so many people that
are genuinely careless with their phones. Stay clear of extended warranties
running in parallel with manufacturers warranties and insurance policies.

<[email protected]> wrote in message
news:[email protected]...
Hi,
just a short note for anyone considering O2 mobile phone insurance - I
had some bad experience with that and can't recommend it to anyone!
1)You pay first £25 of any claim - too hi!
I dont think thats too bad. Maybe if the phone is only worth £50
then yeah, but you wouldnt bother with insurance if that was the case? Some
phones are £300 with no contract. Compare that with a £50 excess
to get a car windscreen replaced.

2)If you use a different phone and your phone is stolen then they will
not pay out/replace your phone as apparantly they have this small print
clause that you have to use
original phone.
And? You dont insure a car and then go and swap it and then hope the
insurance pays out once you smash it up do you? No, so why would you expect
the same with a mobile phone. You are paying to insure the mobile phone
attached to your account. I would like to bet that if you did change the
phone and actually ask them to transfer the policy to it then they would.
But, of course its not your fault is it?

If of course you expect o2 or the other providers to run themselves as a
charity then ignore the above and keep taking the drugs

Steve

"Steve" <[email protected]> wrote in message
news:[email protected]...
> 2)If you use a different phone and your phone is stolen then they will
> not pay out/replace your phone as apparantly they have this small print
> clause that you have to use
> original phone.
> And? You dont insure a car and then go and swap it and then hope
> the insurance pays out once you smash it up do you? No, so why would you
> expect the same with a mobile phone. You are paying to insure the mobile
> phone attached to your account. I would like to bet that if you did change
> the phone and actually ask them to transfer the policy to it then they
> would. But, of course its not your fault is it?

I think your post is missing the point at number 2.

o2 are saying if you use the SIM with another phone other than the phone
taken out with the contract, then it is not then covered by the insurance.

Right [email protected] ?

All insurance is a waste of time...look after your stuff and just take the
loss... you will be the winner in the long run.....

"David R" <[email protected]> wrote in message
news:[email protected]...
> "Steve" <[email protected]> wrote in message
> news:[email protected]...
>> 2)If you use a different phone and your phone is stolen then they will
>> not pay out/replace your phone as apparantly they have this small print
>> clause that you have to use
>> original phone.
>> And? You dont insure a car and then go and swap it and then hope
>> the insurance pays out once you smash it up do you? No, so why would you
>> expect the same with a mobile phone. You are paying to insure the mobile
>> phone attached to your account. I would like to bet that if you did
>> change the phone and actually ask them to transfer the policy to it then
>> they would. But, of course its not your fault is it?
>
> I think your post is missing the point at number 2.
>
> o2 are saying if you use the SIM with another phone other than the phone
> taken out with the contract, then it is not then covered by the insurance.

He didn't miss the point at all. Why would O2 insure a completely different
phone?

On 16 Oct 2006 09:13:45 -0700, [email protected] wrote:

>1)You pay first £25 of any claim - too hi!

Less than the cost for them when processing your claim.

>2)If you use a different phone and your phone is stolen then they will
>not pay out/replace your phone

I'm not sure I understand.

Are you saying that if I buy a Nokia 5647 (well, if it exists) and
insure it with Voda insurance. Because I've used a Samsung 230 (when
invented) that means the Nokia is no longer insured if I lose it? That
seems very unfair.

If you mean that if I insure the Nokia, then use and lose the Samsung,
Voda insurance won't replace it, that seems fair enough. That's not
the handset I insured.

Overall, all mobile phone insurance is a waste of money. It is so
widely abused that the premiums are vastly too high in proportion to
the value of the items covered and the likely risks. Save the premium
and buy a new phone when the worst happens.

--

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

"Mark Hewitt" <[email protected]> wrote in message
news:[email protected]...
>>> And? You dont insure a car and then go and swap it and then hope
>>> the insurance pays out once you smash it up do you? No, so why would you
>>> expect the same with a mobile phone. You are paying to insure the mobile
>>> phone attached to your account. I would like to bet that if you did
>>> change the phone and actually ask them to transfer the policy to it then
>>> they would. But, of course its not your fault is it?
>>
>> I think your post is missing the point at number 2.
>>
>> o2 are saying if you use the SIM with another phone other than the phone
>> taken out with the contract, then it is not then covered by the
>> insurance.
>
> He didn't miss the point at all. Why would O2 insure a completely
> different phone?

Again, missing it.

If you purchase a mobile contract with o2, and take out insurance, you need
to actively only use that insured handset with the SIM-card to cover the
phone in question. If you swap it to another handset often then o2 wont
cover the handset that was provided with the contract, under the terms of
the insurance, as you're also using another phone with the SIM. Irrespective
if the SIM-card was in the handset that came with the contract at the time
it was lost or stolen, you have voided your insurance.

"David R" <[email protected]> wrote in message
news:[email protected]...
> "Mark Hewitt" <[email protected]> wrote in message
> news:[email protected]...
>>>> And? You dont insure a car and then go and swap it and then hope
>>>> the insurance pays out once you smash it up do you? No, so why would
>>>> you expect the same with a mobile phone. You are paying to insure the
>>>> mobile phone attached to your account. I would like to bet that if you
>>>> did change the phone and actually ask them to transfer the policy to it
>>>> then they would. But, of course its not your fault is it?
>>>
>>> I think your post is missing the point at number 2.
>>>
>>> o2 are saying if you use the SIM with another phone other than the phone
>>> taken out with the contract, then it is not then covered by the
>>> insurance.
>>
>> He didn't miss the point at all. Why would O2 insure a completely
>> different phone?
>
> Again, missing it.
>
> If you purchase a mobile contract with o2, and take out insurance, you
> need to actively only use that insured handset with the SIM-card to cover
> the phone in question. If you swap it to another handset often then o2
> wont cover the handset that was provided with the contract, under the
> terms of the insurance, as you're also using another phone with the SIM.
> Irrespective if the SIM-card was in the handset that came with the
> contract at the time it was lost or stolen, you have voided your
> insurance.

Why am I 'missing it', you've just confirmed my point.

On Mon, 16 Oct 2006 19:42:08 +0100, "Jim"
<[email protected]> wrote:

>
><[email protected]> wrote in message
>news:[email protected]...
>Hi,
>just a short note for anyone considering O2 mobile phone insurance - I
>had some bad experience with that and can't recommend it to anyone!
>1)You pay first £25 of any claim - too hi!
>2)If you use a different phone and your phone is stolen then they will
>not pay out/replace your phone
>as apparantly they have this small print clause that you have to use
>original phone.
>
>Ta
>hope this helps.
>
>It helps if people read what it is they are buying. Most phone insurance is
>used by people wanting to upgrade on the cheap anyway. Companies know most
>stolen phones appear on auction sites! Mobile companies hardly ever block
>them as it means continued revenue. I have never known so many people that
>are genuinely careless with their phones. Stay clear of extended warranties
>running in parallel with manufacturers warranties and insurance policies.
>
>

There is a tale going around that there have been more Rolex watches
lost on the beaches of Spain than have been made!

--
Cheers

Peter

Please remove the invalid to reply

On Tue, 17 Oct 2006 09:31:18 +0100, [email protected] wrote:

>On 16 Oct 2006 09:13:45 -0700, [email protected] wrote:
>
>>1)You pay first £25 of any claim - too hi!
>
>Less than the cost for them when processing your claim.
>
>>2)If you use a different phone and your phone is stolen then they will
>>not pay out/replace your phone
>
>I'm not sure I understand.
>
>Are you saying that if I buy a Nokia 5647 (well, if it exists) and
>insure it with Voda insurance. Because I've used a Samsung 230 (when
>invented) that means the Nokia is no longer insured if I lose it? That
>seems very unfair.
>
>If you mean that if I insure the Nokia, then use and lose the Samsung,
>Voda insurance won't replace it, that seems fair enough. That's not
>the handset I insured.
>
>Overall, all mobile phone insurance is a waste of money. It is so
>widely abused that the premiums are vastly too high in proportion to
>the value of the items covered and the likely risks. Save the premium
>and buy a new phone when the worst happens.

I think the point he is trying to make is that when you buy your
mobile phone from O2, it is only insured while it has the SIM card you
received at the same time in it, and when you insert the sim card into
another phone, the original phone is no longer insured, nor I imagine
are you covered for any calls made from the sim card by anyone who has
stolen your second phone - apparently O2's insurance only covers the
phone and sim as a package, not as seperate items
--
Cheers

Peter

Please remove the invalid to reply

>
>I think the point he is trying to make is that when you buy your
>mobile phone from O2, it is only insured while it has the SIM card you
>received at the same time in it, and when you insert the sim card into
>another phone, the original phone is no longer insured, nor I imagine
>are you covered for any calls made from the sim card by anyone who has
>stolen your second phone - apparently O2's insurance only covers the
>phone and sim as a package, not as seperate items


I would have thought that was bloody obvious to anyone. The OP is just
pissed off because their to stupid.
--

www.ratrodz.co.uk

XJ900 Trike ** GS850 Trike
XV1000 TR1 Chop

[email protected] [Rot 13 it]

Some people are like slinkys....
no real use but it makes you smile when they fall down stairs!

BORG wrote:
>> I think the point he is trying to make is that when you buy your
>> mobile phone from O2, it is only insured while it has the SIM card you
>> received at the same time in it, and when you insert the sim card into
>> another phone, the original phone is no longer insured, nor I imagine
>> are you covered for any calls made from the sim card by anyone who has
>> stolen your second phone - apparently O2's insurance only covers the
>> phone and sim as a package, not as seperate items
>
>
> I would have thought that was bloody obvious to anyone. The OP is just
> pissed off because their to stupid.
their = they're and to = too
So who looks stupid?


--
Dave C

On Wed, 18 Oct 2006 14:58:25 GMT, Dave C <[email protected]> wrote:

>BORG wrote:
>>> I think the point he is trying to make is that when you buy your
>>> mobile phone from O2, it is only insured while it has the SIM card you
>>> received at the same time in it, and when you insert the sim card into
>>> another phone, the original phone is no longer insured, nor I imagine
>>> are you covered for any calls made from the sim card by anyone who has
>>> stolen your second phone - apparently O2's insurance only covers the
>>> phone and sim as a package, not as seperate items
>>
>>
>> I would have thought that was bloody obvious to anyone. The OP is just
>> pissed off because their to stupid.
> their = they're and to = too
>So who looks stupid?


Dang speell chockor
--

www.ratrodz.co.uk

XJ900 Trike ** GS850 Trike
XV1000 TR1 Chop

[email protected] [Rot 13 it]

Some people are like slinkys....
no real use but it makes you smile when they fall down stairs!