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203 posts

Master Geek


Topic # 69973 15-Oct-2010 20:59
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i have had a quick look thru the forums and there doesn't seem to be any posts which are up to date on this subject   ( phone insurance )
i recently upgraded my bb bold to a bb torch  . i transfered the one bill number to my bold and made the torch my main phone . i then thought to myself is the insurance from telecom for my ph # or the phone ? so i rang telecom and was told that the insurance is for the imei number not the phone mumber . which means my bold is still insured but my torch isnt . i asked why and i was told only phones purchased from telecom will be insured by telecom.
bummer

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25 posts

Geek


  Reply # 392495 16-Oct-2010 09:32
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Thats what i would have expected, if you had a car with a mechanical warranty you wouldnt expect it to cover another car if you swapped the plates to another car.



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Master Geek


  Reply # 392507 16-Oct-2010 10:48
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blindnz
that is not really a fair comparison . swapping plates is illegal . consider a bb bold 9000 on voda and ported to xt it is a phone that they ( telecom nz) support but because it was not bought thru telecom it is not insurable .

 
 
 
 


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  Reply # 392593 16-Oct-2010 14:13
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wiredr: blindnz
that is not really a fair comparison . swapping plates is illegal . consider a bb bold 9000 on voda and ported to xt it is a phone that they ( telecom nz) support but because it was not bought thru telecom it is not insurable .


I believe Telecom will support your Sim Card, not your phone.  It's the same if you purchased an iPhone (either direct from Apple, or from Vodafone).  Do you expect that Telecom should honour the warranty on that phone?  No, it just makes no sense at all.







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Master Geek


  Reply # 392602 16-Oct-2010 14:30
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BarTender:
wiredr: blindnz
that is not really a fair comparison . swapping plates is illegal . consider a bb bold 9000 on voda and ported to xt it is a phone that they ( telecom nz) support but because it was not bought thru telecom it is not insurable .


I believe Telecom will support your Sim Card, not your phone.  It's the same if you purchased an iPhone (either direct from Apple, or from Vodafone).  Do you expect that Telecom should honour the warranty on that phone?  No, it just makes no sense at all.


bartender .
this is not about warranty . insurance is for damage or loss . warranty claims are covered by the cga  and as such are between the supplier and the purchaser, the cga expressly prohibits transfer of liability .
my household insurance covers my contents simply because i own them not by who i bought them from . its the same with your car . if you put a custom plate on a different car you would still be insured  but the policy would apply to the car to which you have had to prove ownership of , not the custom plate.



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  Reply # 392612 16-Oct-2010 14:45
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wiredr: this is not about warranty . insurance is for damage or loss . warranty claims are covered by the cga  and as such are between the supplier and the purchaser, the cga expressly prohibits transfer of liability .
my household insurance covers my contents simply because i own them not by who i bought them from . its the same with your car . if you put a custom plate on a different car you would still be insured  but the policy would apply to the car to which you have had to prove ownership of , not the custom plate.


So did you purchase insurance from Telecom for your phone when you purchased it? It sounds like you didn't, since you upgraded, and they probably asked you if you wanted insurance on your new phone and then you said no.  Again my comparison applies here with an iPhone, if you purchased insurance on an iPhone from Vodafone would you expect Telecom to honour that insurance? No.

I think the Car Insurance is a good comparison.  With your Car Insurance you need to contact your insurance provider to say please now insure this License Plate, they don't automatically insure a car just because you purchased it.

Same thing with a Mobile Phone IMEI = VIN.  But Telecom don't offer transferring the insurance between handsets as it's some other 3rd party provider who underwrites the insurance.  So really the only option you have is to take a new insurance contract out on the new phone, I think this is pretty standard in the industry.





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  Reply # 392629 16-Oct-2010 16:20
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Think about it, if it did automatically cover the new phone you had purchased, then you could jusat go buy a liquid damaged phone, chuck your insured sim into it and make a claim, makes sense to me that Telecom only insure phones they sell, whe they sell them.

How are they to know what condition your BB Torch is in?

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  Reply # 393510 19-Oct-2010 10:15
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They only insure brand new phones that you buy from Telecom, and you can only get the insurance at the time of purchase, not at a later date.

As joff_nz mentioned, that's the kind of thing that was happening. Apparently you can do that still on Vodafone, but not Telecom ...

If you want your Telecom phone covered, you need to confirm with your home contents insurance :)

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  Reply # 394324 21-Oct-2010 12:01
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Did you read the smallprint before signing up for the insurance, as to what it actually covered?

Seems reasonable to me, if I buy a $200 phone from Telecom and get insurance, and then stick my SIM into a $1000 phone that I bought overseas, I shouldn't expect them to replace it when I drop and break it a week later for my $6/month.




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