AA travel insurance claim: stolen phone

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Martynnz

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#309301 6-Oct-2023 19:30

Hi,

I recently had my phone pick pocketed in Paris. I have travel insurance with AA which I'll claim when I get back. I've got the relevant documents etc, killed the phone remotely if it ever pops up again and blocked the imei.

My question is does anyone have any experience of this type of claim with AA and how they reimburse. I need the phone for work when I get back. Do they pay out (in which case I buy the replacement) or should I get a cheap phone whilst I wait for them to send a replacement.

I have also reached out to them for an answer but sometimes the responses can be guarded hence wanting some insight from others.

Cheers

Martyn

boosacnoodle

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#3143699 6-Oct-2023 19:35

Have you read your policy? All the information you need will be in here.

While we legally cannot give you insurance advice, I would say make sure you do your Police report within 24 hours.

xpd

Geek of Coastguard
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#3143702 6-Oct-2023 19:44

Dosent the IMEI block only apply to your carrier and their "partners"...... so unless you blocked it with the local French providers, it can be re-used again in France.

XPD / Gavin

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Topgunz
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#3143704 6-Oct-2023 19:55

The few times I have used them they look for a replacement first and if you can not agree on a sutable replacement they then offer to reimburse. This can take time so I have had to find a placeholder phone or laptop each time until the process is done.

sqishy

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#3143812 6-Oct-2023 22:17

Sometime they take the retail price you paid then pay you a depreciated amount based on the age of the phone.

antoniosk

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#3143843 7-Oct-2023 06:55

Having researched travel insurance policies in the last couple of months, most fall into the category of rubbish for electronics. These are the most likely things to have an incident, so the coverage is poor and the conditions are onerous, especially for mobile phones.

generally if it’s less than 12 months old then replacement up to the policy limit seems the norm ie if you had item limit cover of $1500, it would be that less your excess. Over 12 months and depreciation starts to apply - and they can be quite brutal in their assessment. I often find the mobile phone trade in sites are good proxies for what to expect your gadget to be worth for insurance replacement proxies.

cest la vie - travel insurance seems to be mainly for health and repatriation costs these days

________

Antoniosk

Aucklandjafa

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#3143877 7-Oct-2023 09:26

If you have comprehensive contents with a low(ish) excess you’ll be much better off as they’ll replace it with the same model (or newer if you can no longer get that spec)

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Martynnz

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#3144408 9-Oct-2023 08:11

Thanks for the helpful answers with past experience. I'll get a cheap phone and wait and see what happens.

jen1001

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#3144558 9-Oct-2023 12:56

My partner had the same thing happen to her in 2018 also in Paris, we had travel insurance via our Westpac credit card (IAG from memory?).

Claim was very straight forward, they wanted a police report and proof of value (being a hoarder, other half had kept the receipt on a 4 year old phone 😂). They paid out depreciated value as well as the phone case that was on the receipt minus the excess. Depreciation was indeed a bit brutal but it was enough to purchase a similar phone without forking out too much, and they paid quickly (within a week of filing the claim) but I hear insurance claims can be quite lengthy now.

I'd expected them to come back to us asking for the police report to be translated but they never did.

Good luck!