Has anyone used gadgetinsurance.ie

dillo2k10

Hi,

I was thinking about taking out a policy with gadgetinsurance.ie. For €199 they will cover my Galaxy S3, iPad 3 and a HP Laptop and they are doing free loss cover now too.

Has anyone used them? I want to know what they are like for making a claim too? Also there seems to be a problem in their terms and conditions.

In return for you paying the premium, we, subject to the Terms,
Conditions and Exclusions described below will repair or replace
at our discretion, the covered product(s) with items of at least
similar specification should the covered product(s) be subject
to an insured risk.
In the event of you making a claim under this Policy that results
in us replacing your covered product(s), we will provide
you with a bank transfer equal to the cost of replacing the
covered product, minus the policy excess, with one of at
least comparable specification at our discretion, up to but not
exceeding the price for the covered product you declared (as
required under Section 1) or the policy limit, whichever is the
lower amount. There are alternative settlement methods and
should you wish to discuss these, please contact the adjuster.

Is that saying that after they replace the product they will then send you a bank transfer for the value of it? Maybe just a misprint?

Anyway what are peoples opinion on them.

coylemj

It's clearly a misprint because taken literally it means that they will replace the lost product and give you the money as well.

They said this...

In the event of you making a claim under this Policy that results in us replacing your covered product(s), we will provide you with a bank transfer equal to the cost of replacing the covered product, minus the policy excess

I suspect they meant to say this...

In the event of you making a claim under this Policy that results in us being unable to replace your covered product(s), we will provide you ......

dillo2k10

After looking around on the website it turns out that they don't replace anything. If it can't be repaired then they will just send you a ank transfer for the value of the phone.

I'm really just looking for people's opinions on them now.

Jarren

This Policy does not cover you for:
3.1 Any claim resulting from any insured risk which
occurs within the first 14 days from the purchase date of this
Policy as defined in your schedule. This 14 day period will
commence again and apply to any new or changed covered
product(s) which is added to your Policy after purchase.
3.2 Theft, theft damage, malicious damage or loss of an
unattended covered product(s):
(a) From or in a motor vehicle unless locked in a glove
compartment or out of sight in a boot/luggage area and
where the doors and windows are shut and locked and
security systems are activated;
(b) From or in any other property, place or premises unless
the theft, theft damage, malicious damage or loss is
accompanied by violent or forcible entry or exit, or where
the theft, theft damage, malicious damage or loss
results from the acts of a person who has entered the
property, place or premises unlawfully; or
(c) From any public place or place to which the public has
access at the time of the incident.
3.3 Accidental damage to the covered product(s):
(a) Caused by gradually occurring rust, humidity, damp or
corrosion (but a sudden accident involving water ingress
is covered);
(b) Due to wear and tear, marring, scratching, manufacturing
defect, discoloration or any type of damage or failure not
affecting the operation of the covered product(s); or
(c) Resulting from alterations, maintenance, repairs, faulty or
defective design or any process of cleaning or restoring.
3.4 Any damage to the covered product(s) whatsoever,
unless arising directly from an insured risk.
3.5 Any claim where you or a person authorised by you
has lost or misplaced the covered product(s), unless you


My advice is

Try finding a better insurer:)

dillo2k10

Jarren wrote: »

This Policy does not cover you for:
3.1 Any claim resulting from any insured risk which
occurs within the first 14 days from the purchase date of this
Policy as defined in your schedule. This 14 day period will
commence again and apply to any new or changed covered
product(s) which is added to your Policy after purchase.
3.2 Theft, theft damage, malicious damage or loss of an
unattended covered product(s):
(a) From or in a motor vehicle unless locked in a glove
compartment or out of sight in a boot/luggage area and
where the doors and windows are shut and locked and
security systems are activated;
(b) From or in any other property, place or premises unless
the theft, theft damage, malicious damage or loss is
accompanied by violent or forcible entry or exit, or where
the theft, theft damage, malicious damage or loss
results from the acts of a person who has entered the
property, place or premises unlawfully; or
(c) From any public place or place to which the public has
access at the time of the incident.
3.3 Accidental damage to the covered product(s):
(a) Caused by gradually occurring rust, humidity, damp or
corrosion (but a sudden accident involving water ingress
is covered);
(b) Due to wear and tear, marring, scratching, manufacturing
defect, discoloration or any type of damage or failure not
affecting the operation of the covered product(s); or
(c) Resulting from alterations, maintenance, repairs, faulty or
defective design or any process of cleaning or restoring.
3.4 Any damage to the covered product(s) whatsoever,
unless arising directly from an insured risk.
3.5 Any claim where you or a person authorised by you
has lost or misplaced the covered product(s), unless you


My advice is

Try finding a better insurer:)

Are all of those not pretty standard on phone insurance?

skimpydoo

I am with them and my iPhone was stolen 2 weeks ago. My claim was processed pretty quickly and tomorrow they transfer money into my bank account. So I can't praise them highly enough.

dillo2k10

Ronan Leonard wrote: »

I am with them and my iPhone was stolen 2 weeks ago. My claim was processed pretty quickly and tomorrow they transfer money into my bank account. So I can't praise them highly enough.

2weeks?

Did anything happen that held up the claim a bit? Was your phone on contract?

skimpydoo

dillo2k10 wrote: »

2weeks?

Did anything happen that held up the claim a bit? Was your phone on contract?

Well it was stolen the night Leinster won the Rugby. I got on to them on the Monday and they emailed me a form I had to fill out. I filled out and scanned in the dos along with police report, policy docs and phone receipt which was emailed to them on the Tuesday. 3 days later I was told they would be in touch. Last Monday they told me the insurance assessor said the money would be in my bank tomorrow and that I just had to give them my BIC and IBAN details.

My phone was on contract and is blocked.

dillo2k10

Ronan Leonard wrote: »

Well it was stolen the night Leinster won the Rugby. I got on to them on the Monday and they emailed me a form I had to fill out. I filled out and scanned in the dos along with police report, policy docs and phone receipt which was emailed to them on the Tuesday. 3 days later I was told they would be in touch. Last Monday they told me the insurance assessor said the money would be in my bank tomorrow and that I just had to give them my BIC and IBAN details.

My phone was on contract and is blocked.

That's grand so. And they had no problem paying out the full value rather than the amount you paid?


Thanks

skimpydoo

dillo2k10 wrote: »

That's grand so. And they had no problem paying out the full value rather than the amount you paid?


Thanks

Well they paid me out €5 more than it would cost to buy it payg. So I am happy. I saw a nice brand new sim free factory unlocked iPhone 4S for €499 which I will be getting.

dillo2k10

Ronan Leonard wrote: »

Well they paid me out €5 more than it would cost to buy it payg. So I am happy. I saw a nice brand new sim free factory unlocked iPhone 4S for €499 which I will be getting.

Wow, that's very good

skimpydoo

dillo2k10 wrote: »

Wow, that's very good

Sure is I am a happy chappy.

iDann

Stupid question, but do you need receipts ?

dillo2k10

iDann wrote: »

Stupid question, but do you need receipts ?

It doesn't say so in the terms and consist but I'd say so