iPhone insurance policies
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From: zoara on 23 Feb 2010 05:51 Bella Jones <me9(a)privacy.net> wrote: > Woody <usenet(a)alienrat.co.uk> wrote: > > > Bella Jones <me9(a)privacy.net> wrote: > > > > > Just wondered how everyone insures their iPhone? > > > > > > The company I am with now has a 'special' iPhone policy, whch is > > > £8.24 > > > per month. (currently 5.88 for normal phone). > > > http://www.2u.co.uk/iPhoneInsurance/ > > > > > > My home insurance, Endsleigh, would charge £3.33 but fraudulent > > > use is > > > only up to £150. I would have thought that with data use so much > > > greater > > > nowadays, someone might well run that up quickly, as well as > > > calls. Or > > > am I being over paranoid? > > > > Data use? Isn't it unlimited? > > > > Phone calls, certainly. £8.24 seems a lot, but then mine isn't > > insured > > so I don't know. > > yes, whoops, duh - although I bet unlimited isn't really. I know of people who easily go over a gig a month without question or penalty from o2. You'd be able to contact o2 and block the SIM well before a scallywag ran up that much data. Phonecalls are different. Not sure if you're on contract or not, but even with the free minutes there, mister scallywag could go over. Your biggest risk is probably them making overseas calls, but you can get o2 to block those for you. For extra security in this area you could turn the pinlock on - scallywag then has to guess your four-digit pin before being able to make calls (though I don't think that stops them swapping your SIM into a different phone; pretty sure it's a "phone" PIN and not a "SIM" PIN) By the way, you might want to look into reports on phone insurers. Most of them are distinct ripoffs - not in the casual "that's a lot of money" sense, but in the "almost never pay out on claims and are often legally dubious". General advice seems to be to put it on your home insurance. I don't insure very much at all. My reasoning is that these companies do insurance to make a profit (and judging by the sales pressure they can be very profitable). That means they must pay out less than they receive, which means that, on average, I would pay more for my cover than I would claim back (even more so as the companies have to take fraud costs into account). Sure, I might get unlucky, but there's a theoretical (but substantial) pot of money that comes from the money I haven't paid out for cover; that will go nicely towards anything bad that I consider likely to happen. FWIW I've never lost a phone or had one break on me, and I've had dozens... -z- -- email: nettid1 at fastmail dot fm
From: zoara on 23 Feb 2010 16:50 Richard Tobin <richard(a)cogsci.ed.ac.uk> wrote: > In article <1jebal5.197iwzv5mo8rqN%usenet(a)alienrat.co.uk>, > Woody <usenet(a)alienrat.co.uk> wrote: > > >Data use? Isn't it unlimited? > > Not if you take it abroad. Curiously I have had a few pence added to my bill this month for international data, even though I turned the data roaming switch off over a year ago. I did use data abroad, but only over wifi. I also made a short phonecall. I wonder where the charge came from? -z- -- email: nettid1 at fastmail dot fm
From: Bruce Horrocks on 23 Feb 2010 17:32 On 22/02/2010 14:29, Bella Jones wrote: > I went for the Endsleigh option in the end. Thanks all. Also in the news... <http://www.theregister.co.uk/2010/02/15/iphone_insurance_claims/> -- Bruce Horrocks Surrey England (bruce at scorecrow dot com)
From: Bella Jones on 23 Feb 2010 18:22 Bruce Horrocks <07.013(a)scorecrow.com> wrote: > On 22/02/2010 14:29, Bella Jones wrote: > > I went for the Endsleigh option in the end. Thanks all. > > Also in the news... > <http://www.theregister.co.uk/2010/02/15/iphone_insurance_claims/> ah yes i saw this.... -- bellajonez at yahoo dot co dot uk
From: Peter Ceresole on 24 Feb 2010 02:52
Bella Jones <me9(a)privacy.net> wrote: > > Also in the news... > > <http://www.theregister.co.uk/2010/02/15/iphone_insurance_claims/> > > ah yes i saw this.... Yes. Just another demonstration that humans are over rated, and that a great number of them are just sleazebags who are quite willing to steal from others- because those fake claims, if paid out, are on the backs of other insurees. I know that this is probably a straight consequence of evolution, but I still feel contempt for them. -- Peter |