I lost my phone last Friday, got a lost/stolen police report etc etc, all went well with the claim, I opted out of getting a rubbish replacement to get a new Nokia Lumia 710 and pay the difference. The question I have is, are SIM card replacements meant to be covered by the insurance? the last two claims I had the SIM was covered but this time it wasn't? I also read online that all phones come WITH an XT SIM card - so, I've effectively purchased a new phone (although insurance covered $249 of this cost), paid the $85 excess and also paid $19.99 for a new SIM card - I know it's only $20 but is this normal?
Also, someone has since FOUND my phone and I've arranged its return, I know I should just call mobile insurance when they open but in all likeliness I will forget or not have time before they close, so does anyone know the process there? can I just drop it to a telecom retail store?
TIA