An alternative to costly mobile phone insurance

Slice

Came across this site today - would work out cheaper than mobile insurance...

http://www.yougetitback.com

Karoma

That covers 'lost', but not stolen or damaged which are far more likely to occurr than me losing something worth a fair bit of money. Pass.

ed: /touch wood

Slice

Mobile phone insurance at €5-6 per month or in the case of CPW anything up to €12 per month is not worth it given that there is usually an excess charge of €30 for making a claim or €70 for a second claim in 12 months. Also most mobile insurance doesn't cover water damage. In my experience the majority of people I know who replace their phones do so because their old phone was lost - getting it stolen or damaged is less common.

I don't think a "please return me" sticker like this one is that great but mobile phone insurance is a total rip-off by comparison.

TempestSabre

Don't see the point of insurance either. Buy a phone cheap on billpay. Then if theres a problem just buy a prepay phone and get it unlocked. Still be cheaper than getting insurance and making a claim. The insurance companies tend to wiggle out of replacing the phone anyway, so theres simply no point, unless its an expensive PDA or something.

Sam Vimes

Karoma wrote:

That covers 'lost', but not stolen or damaged which are far more likely to occurr than me losing something worth a fair bit of money. Pass.

ed: /touch wood

here's a radical idea. if you drop the phone, throw it in a river and say you lost it.......


but the insurance is still a complete rip off. apparently you can add a phone to household insurance for pennies a year

Pythia

Slice wrote:

Mobile phone insurance at €5-6 per month or in the case of CPW anything up to €12 per month is not worth it given that there is usually an excess charge of €30 for making a claim or €70 for a second claim in 12 months. Also most mobile insurance doesn't cover water damage. In my experience the majority of people I know who replace their phones do so because their old phone was lost - getting it stolen or damaged is less common.

I don't think a "please return me" sticker like this one is that great but mobile phone insurance is a total rip-off by comparison.

CPW's is more expensive as it does cover water damage and the excess always stays at 35.
But I agree, mobile insurance is very expensive and probably not needed, unless you're the kind who loses phones often.