iPhone (3G) insurance

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C4LV1N0

53 posts

Master Geek

#28722 9-Dec-2008 15:27

Is there any form of iPhone or iPhone 3G insurance from Vodafone or Apple in NZ. if so, what does it cover?

Thanks

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110 posts

Master Geek

#183028 9-Dec-2008 15:46

C4LV1N0: Is there any form of iPhone or iPhone 3G insurance from Vodafone or Apple in NZ. if so, what does it cover?

Thanks

Your iphone should be covered ounder your contents insurance. But do be careful to check the small print as some devices may attract a higher excess.

If unsure, always use a reputable broker as you'll get the added value of a better claims service, and of course you'll know who you're dealing with.

www.insurancemarketnz.co.nz
For all your Insurance Needs

C4LV1N0

53 posts

Master Geek

#183046 9-Dec-2008 16:04

So is there insurance that comes with the iPhone when you buy it from Vodafone for free? Or do you need to buy it seperately?

Xt1ncT

110 posts

Master Geek

#183071 9-Dec-2008 17:30

C4LV1N0: So is there insurance that comes with the iPhone when you buy it from Vodafone for free? Or do you need to buy it seperately?

No the iPhone won't come with free insurance.

You'd need to buy insurance cover for it seperately, but that would be expensive, if available.

If you live with your parents, their home contents cover will be sufficient. If you live on yor own, you'd need to obtain contents insurance for yourself, and if you're flatting it's another matter altogether as some insurers won't cover flatting situations due to the increased risk o the insurer.

www.insurancemarketnz.co.nz
For all your Insurance Needs

johnr

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#183072 9-Dec-2008 17:31

C4LV1N0: So is there insurance that comes with the iPhone when you buy it from Vodafone for free? Or do you need to buy it seperately?

Free petrol and power too

bender

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Master Geek
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#183075 9-Dec-2008 17:35

You can get phoneInsure added to your account. Not on Prepay though.

C4LV1N0

53 posts

Master Geek

#183078 9-Dec-2008 17:39

Thanks.

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itxtme

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#183207 9-Dec-2008 23:16

http://www.vodafone.co.nz/services/phoneinsure.jsp

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Snowflake

#183221 9-Dec-2008 23:46

itxtme: http://www.vodafone.co.nz/services/phoneinsure.jsp

IMO that insurance is a rip off...... not only are the premiums high compared to the value insured, the excess are higher than normal too. Instead, get a decent contents insurance policy and you'l be covered for your phone - as well as everything else you own!

As for people flatting - AA Insurance was one of the few companies that would cover that situation for me in the past. I can also recommend them as a contents insurer - they do full replacement on everything where lots of other policies depreciate your assets away to nothing. Their claims handling has also been outstanding for me - stolen 8 year old snowboard and a digital camera that went for a swim inside a leaking waterproof case were both fully replaced by them. The latter was even all handled via email.

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EnzoYug

24 posts

Geek

#183262 10-Dec-2008 09:21

Hi there,

Please be aware that your home and contents will MAY NOT cover portable high-end electronics such as Laptops, PDAs, multimedia cellphones etc...

The reasoning is simple. They are very very easy to steal, of high value and easily 'lost' by the owner (aka. grey-claims).
Don't bother checking your policy the wording could be out of date - CALL THE INSURANCE COMPANY. They will probably tell you right away - you're not covered.

Also, if you're going to get an iphone your insurance company wont cover you for any bills that get racked up on it while it's stolen.
Vodafone's phoneInsure covers the handset (repair and replace) and the cost of any dodgy account activity so you don't get stung twice - for the phone and for the bill.

Also consider what'll happen if your Iphone gets stolen and not covered under insurance - you're stuck with the contract, NOT GOOD!

CYaBro

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#183281 10-Dec-2008 10:40

Yup Vodafone PhoneInsure is worth it.
A couple of years ago I had got a Nokia N73 on a 24 month contract.
I paid $400 for the phone I think but the phone on no contract was over $1000.
About a month after having it I went for a swim one night and forgot that it was in my pocket!
Phone replaced by Vodafone and only had to pay $150 excess not $1000!
My contents insurance wouldn't cover it. Even if they did the excess would have been $250.
Because I had damaged the phone at a friends house they said that my friend would have to claim it on their insurance????

Opinions are my own and not the views of my employer.

C4LV1N0

53 posts

Master Geek

#183307 10-Dec-2008 12:20

Yeah. But I am on prepay and phoneInsure does not support that.

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Snowflake

#183418 10-Dec-2008 22:55

EnzoYug: Hi there,

Also, if you're going to get an iphone your insurance company wont cover you for any bills that get racked up on it while it's stolen.

Thats why you call vodafone and tell them to block your SIM.

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Snowflake
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Snowflake

#183423 10-Dec-2008 23:08

CYaBro: Yup Vodafone PhoneInsure is worth it.
My contents insurance wouldn't cover it. Even if they did the excess would have been $250.
Because I had damaged the phone at a friends house they said that my friend would have to claim it on their insurance????

My excess is only $100. Not sure who you are with- perhaps its time to ring around and see if you can get a better deal.

And as for having to claim it on your friends insurance? Thats sounds like crap to me... I doubt any insurance company will let you claim for someone elses losses on your policy. The policies I have read cover your contents while they are with you anywhere in New Zealand (not overseas as that is what travel insurance is for).

the AA policy documents are available online (AMI would only send theirs to me by post last time i asked): http://www.aainsurance.co.nz/resources/policydocs/AAi135%20-%20Contents%20CoverPolicy.pdf

Make note of the following features with the AA policy:
* contents owned by you or a family member living in the same house
* contents for a family member at an educational institution (e.g. child living at university hallduring term time)
* cellphone and accessories limited to $1500 in total, unless specified
* laptop and accessories limited to $3000 in total, unless specified
* New for Old - replace with new regardless of the age of the item (many companies depreciate items)
* contents covered anywhere in New Zealand

Disclaimer: i'm not trying to sell AA contents insurance, i'm just very happy with their policy and claims handling

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Soobygirl

20 posts

Geek

#183459 11-Dec-2008 09:26

Working in the insurance industry and having exposure to most policies (not so much direct insurers though) I've seen that most home contents insurance policies have similar wording regarding cell phones and the like, but certainly pays to compare policies - most people only realise whats not covered when the submit a claim. If there is a limit in the policy as to what your cell phone would be covered for, and your cell phone is worth more than that limit, it would be wise to specify your cell phone on your policy. It would probably not cost that much more, compared to the cost of not!

As for being told to claim on your friend's contents insurance as it happened at their house, what a load of rubbish! For a start your friend would not have had an insurable interest in the item, since they did not own it! Most contents policies cover items at the insured address and anywhere in NZ. I know of one that covers contents while in Oz and the Pacific.

As with purchasing anything, it pays to shop around and find what best suits your needs.

CYaBro

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#183471 11-Dec-2008 10:18

Hmm... thanks for that.
Looks like I need to change insurance companies!

I am an AA member and do have our car insurance with them but may look at moving everything to them now.

Opinions are my own and not the views of my employer.

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