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Who should I insure my phone with?

  • 17-08-2008 4:07pm
    #1
    John_Mc
    Registered Users, Registered Users 2 Posts: 2,791 ✭✭✭


    Hi,

    Having just spent €300 on a second hand Nokia N95 8GB, I am keen on insuring it against theft, loss & accidental damage.

    It's only 2 months old, and I have the receipt.

    How do I go about insuring it? And who's doing the best deals?


Comments

  • #2
    grey squirrel
    Registered Users, Registered Users 2 Posts: 122 ✭✭grey squirrel


    In the "All Risks" section of the Home Insurance policy


  • #3
    John_Mc
    Registered Users, Registered Users 2 Posts: 2,791 ✭✭✭John_Mc


    grey squirrel wrote: »
    In the "All Risks" section of the Home Insurance policy

    Hi, thanks for the reply. I'm a tenant so no Home insurance policy.

    Would be looking for a mobile phone policy only


  • #4
    guil
    Registered Users, Registered Users 2 Posts: 10,496 ✭✭✭✭guil


    i think eagle star do phone insurance i'm nearly certain my uncle had it with them


  • #5
    grey squirrel
    Registered Users, Registered Users 2 Posts: 122 ✭✭grey squirrel


    John_Mc wrote: »
    Hi, thanks for the reply. I'm a tenant so no Home insurance policy.

    Would be looking for a mobile phone policy only

    Landlord's policy doesn't cover ANY of your contents. You SHOULD have your own contents (including mobi) insured.


  • #6
    grizzly
    Registered Users, Registered Users 2 Posts: 2,789 ✭✭✭grizzly


    grey squirrel wrote: »
    Landlord's policy doesn't cover ANY of your contents. You SHOULD have your own contents (including mobi) insured.

    If you lose a phone outside your home you won't be able to use home insurance to claim for it.


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  • #7
    rebel.ranter
    Registered Users, Registered Users 2 Posts: 3,570 ✭✭✭rebel.ranter


    Before you sign up for any phone insurance have a look at the T&Cs. You might find that the cover you purchased is very limited. See what exactly is covered, some policies cover only a very few eventualities.


  • #8
    grey squirrel
    Registered Users, Registered Users 2 Posts: 122 ✭✭grey squirrel


    grizzly wrote: »
    If you lose a phone outside your home you won't be able to use home insurance to claim for it.

    If you specify the phone in the ALL RISKS section it is covered anywhere


  • #9
    mik_da_man
    Hosted Moderators Posts: 9,949 ✭✭✭mik_da_man


    I looked into this and it cost €125 to get my phone added to the all risks section, and there was a "Special" excess of €150 on mobiles also.
    It's not really worth it TBH


  • #10
    Blaster99
    Closed Accounts Posts: 2,630 ✭✭✭Blaster99


    You should never insure something you can afford to replace.


  • #11
    John_Mc
    Registered Users, Registered Users 2 Posts: 2,791 ✭✭✭John_Mc


    Blaster99 wrote: »
    You should never insure something you can afford to replace.

    With respect, €300 is not an insignificant sum of money. I'd like the peace of mind in having it insured


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  • #12
    John_Mc
    Registered Users, Registered Users 2 Posts: 2,791 ✭✭✭John_Mc


    Anyone ever deal with phonesonline.ie?


  • #13
    grey squirrel
    Registered Users, Registered Users 2 Posts: 122 ✭✭grey squirrel


    mik_da_man wrote: »
    I looked into this and it cost €125 to get my phone added to the all risks section, and there was a "Special" excess of €150 on mobiles also.
    It's not really worth it TBH

    oh it's just a tenner for me with no excess


  • #14
    mik_da_man
    Hosted Moderators Posts: 9,949 ✭✭✭mik_da_man


    That's pretty decent..


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