Mobile Phone Insurance
Discussion
Hoping this is the right section...
About 10 days ago, on the way to the gym I stuffed my iPhone into the pocket of my hoodie, jumped in the Car, stopped for fuel on the way, as I got out of my car I thought I heard something fall on the floor, looked down between the pump and my car but there was nothing there, thought nothing of it.
Soon as I got to the gym I realised what I'd done, as I got out my phone must have fallen from the pocket and gone under the car. GF reminded me I had mobile insurance with the bank (Lloyds).
Happy days, called them up, was put through to another department where a nice lady took all the details (including where and when I lost it) and said she send me some forms to fill in, in the meantime I had 24 hours to report it to the police and O2, which I did.
All done, I was just about to send everything off, but I thought I'd do a quick Google to make sure I wasn't / was meant to do something / include something (I have a natural distrust of insurance companies) this is where the trouble started.
Firstly it’s not Lloyds insurance, it’s a company called Lifestyle Services Group and google throws up lots of complaints about them! One of their main exclusions is, whilst it's insured for loss, it's not insured for loss in a public place, so two things:
1 Anyone have any experience of them? I suspect they’ll quickly reject my claim on the grounds it was lost in a public place, so my thoughts were to request another form and claim I lost it at home (as this was the last time I actually saw it, IMHO nobody can ever really exactly pinpoint where something is lost or it wouldn’t be lost) my fear is they’ll check the details I gave the lady and put me on some sort of insurance fraud blacklist
2 What use is an insurance that only insures loss at home (or other non-public place, most places, unless they absolutely private aka your home are public places according to them) because if it’s lost at home, it’s never really lost, to my mind it’s just ‘missing’ because eventually it’ll turn up.
About 10 days ago, on the way to the gym I stuffed my iPhone into the pocket of my hoodie, jumped in the Car, stopped for fuel on the way, as I got out of my car I thought I heard something fall on the floor, looked down between the pump and my car but there was nothing there, thought nothing of it.
Soon as I got to the gym I realised what I'd done, as I got out my phone must have fallen from the pocket and gone under the car. GF reminded me I had mobile insurance with the bank (Lloyds).
Happy days, called them up, was put through to another department where a nice lady took all the details (including where and when I lost it) and said she send me some forms to fill in, in the meantime I had 24 hours to report it to the police and O2, which I did.
All done, I was just about to send everything off, but I thought I'd do a quick Google to make sure I wasn't / was meant to do something / include something (I have a natural distrust of insurance companies) this is where the trouble started.
Firstly it’s not Lloyds insurance, it’s a company called Lifestyle Services Group and google throws up lots of complaints about them! One of their main exclusions is, whilst it's insured for loss, it's not insured for loss in a public place, so two things:
1 Anyone have any experience of them? I suspect they’ll quickly reject my claim on the grounds it was lost in a public place, so my thoughts were to request another form and claim I lost it at home (as this was the last time I actually saw it, IMHO nobody can ever really exactly pinpoint where something is lost or it wouldn’t be lost) my fear is they’ll check the details I gave the lady and put me on some sort of insurance fraud blacklist
2 What use is an insurance that only insures loss at home (or other non-public place, most places, unless they absolutely private aka your home are public places according to them) because if it’s lost at home, it’s never really lost, to my mind it’s just ‘missing’ because eventually it’ll turn up.
Edited by P-Jay on Monday 17th January 16:29
Edited by P-Jay on Monday 17th January 16:30
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