PhoneInsure

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ping182nz

188 posts

Master Geek

#68130 15-Sep-2010 13:15

Hi,

So i wanted to know... maybe vodafone can tell me...

If I purchased my iphone 4 on September 3rd am I covered?

Also, why was I not notified of this? I have had phoneInsure for over 4 years, and no notification for this type of exclusion is crazy!

IMPORTANT: Changes to the PhoneInsure Policy effective 3rd September 2010.

iPhone 4 is now excluded from the phoneInsure policy.
Any claim for an iPhone 4 and its accessories will only be considered if the policy was activated, and the iPhone 4 purchased prior to the 3rd September 2010. Any claim for an iPhone 4 and its accessories on a policy activated, or iPhone 4 purchased after this date will be declined.

Netbooks are now excluded from the PhoneInsure Policy.

View the full phoneInsure Terms and Conditions

boby55

1539 posts

Uber Geek

Trusted

#380110 15-Sep-2010 13:17

I assume not as it says "iPhone 4 purchased PRIOR to the 3rd September 2010"

ping182nz

188 posts

Master Geek

#380120 15-Sep-2010 13:31

Man, this is stupid.... !!!!!!!!!!!!!!!!!

Vodafone.... you really know how to treat your customers!

Your reasons for this cannot just be about lack of supply and ability to replace phones that are claimed on...

So is anyone from Vodafone going to contact me and tell me that I am paying for PhoneInsurance that I cannot use?

The store that I purchased it from said I was covered, they even checked my account to see Phone Insure was actived...

Can i do anything about this?

tripp

3848 posts

Uber Geek

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Lifetime subscriber

#380132 15-Sep-2010 13:49

Here it is, looks like you just got in on the 3rd its anything from the 4th onwards

I must say it does suck they must have had a few people break there 3g/3gs and claim.

What devices are covered?
? Mobile phones (excluding, from 4 September 2010,
any iPhone 4).
? Pocket PCs
? Data cards
? Accessories (in conjunction with an approved claim
on a mobile device).

graemeh

2078 posts

Uber Geek

#380133 15-Sep-2010 13:51

ping182nz: Man, this is stupid.... !!!!!!!!!!!!!!!!!

Vodafone.... you really know how to treat your customers!

Your reasons for this cannot just be about lack of supply and ability to replace phones that are claimed on...

So is anyone from Vodafone going to contact me and tell me that I am paying for PhoneInsurance that I cannot use?

The store that I purchased it from said I was covered, they even checked my account to see Phone Insure was actived...

Can i do anything about this?

Yes, talk to Vodafone, don't go bitching about it here because that will not help you.

Edit: Well spotted mrtoken :)

ping182nz

188 posts

Master Geek

#380134 15-Sep-2010 13:53

Where did you get that from?

mrtoken: Here it is, looks like you just got in on the 3rd its anything from the 4th onwards

I must say it does suck they must have had a few people break there 3g/3gs and claim.

What devices are covered?
? Mobile phones (excluding, from 4 September 2010,
any iPhone 4).
? Pocket PCs
? Data cards
? Accessories (in conjunction with an approved claim
on a mobile device).

ping182nz

188 posts

Master Geek

#380135 15-Sep-2010 13:54

no worries, I found it.

graemeh

2078 posts

Uber Geek

#380136 15-Sep-2010 13:54

ping182nz: Where did you get that from?

mrtoken: Here it is, looks like you just got in on the 3rd its anything from the 4th onwards

I must say it does suck they must have had a few people break there 3g/3gs and claim.

What devices are covered?
? Mobile phones (excluding, from 4 September 2010,
any iPhone 4).
? Pocket PCs
? Data cards
? Accessories (in conjunction with an approved claim
on a mobile device).

DUH! It's in the brochure that you linked to.

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tripp

3848 posts

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#380138 15-Sep-2010 14:01

Vodafone really needs to send this out to people, i would be very pissed if i had a iphone 4 had it stolen and not being able to get a new one (after playing for the insurance for months) wonder if they would refund the payments.

graemeh

2078 posts

Uber Geek

#380146 15-Sep-2010 14:12

mrtoken: Vodafone really needs to send this out to people, i would be very pissed if i had a iphone 4 had it stolen and not being able to get a new one (after playing for the insurance for months) wonder if they would refund the payments.

I think they would be falling over themselves to refund the payments and not pay out on your claim. Of course if you had lost your iphone and paid the premiums you would be pushing them to honour the policy.

They would find it very hard to avoid paying the claim as they sold you the phone and the insurance so I expect the disputes tribunal would say the exclusion in the policy is not relevant as they KNEW you had an iphone4 and still set up the insurance policy.

tripp

3848 posts

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Lifetime subscriber

#380147 15-Sep-2010 14:16

Well just had a read over the new T&C's and it really does read like its all iphone4's now but vodafone on twitter say if you had one before that its fine,

Handsomedan

7297 posts

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#380159 15-Sep-2010 14:39

The thing to remember is that it's not a VF product..it's an insurance product underwritten by ACE Insurance (Marsh are the broker to VF, I believe).

It's up to ACE to decide what's covered and what's not.

I dare say that iP4's have been excluded due to their high value, rarity and ability to be flogged on the secondary market (i.e. eBay) overseas when they have been..."stolen".

Handsome Dan Has Spoken.
Handsome Dan needs to stop adding three dots to every sentence...

Handsome Dan does not currently have a side hustle as the mascot for Yale

*Gladly accepting donations...

tripp

3848 posts

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#380162 15-Sep-2010 14:44

Handsomedan: The thing to remember is that it's not a VF product..it's an insurance product underwritten by ACE Insurance (Marsh are the broker to VF, I believe).

It's up to ACE to decide what's covered and what's not.

I dare say that iP4's have been excluded due to their high value, rarity and ability to be flogged on the secondary market (i.e. eBay) overseas when they have been..."stolen".

Yep but still sold by vodafone and is on a vodafone bill,

graemeh

2078 posts

Uber Geek

#380244 15-Sep-2010 17:18

Handsomedan: The thing to remember is that it's not a VF product..it's an insurance product underwritten by ACE Insurance (Marsh are the broker to VF, I believe).

It's up to ACE to decide what's covered and what's not.

I dare say that iP4's have been excluded due to their high value, rarity and ability to be flogged on the secondary market (i.e. eBay) overseas when they have been..."stolen".

Yes and like all insurance products the product wording at the time the policy was issued is what matters. If ACE subsequently change the wording on the policy then that does not mean you are not covered.

I do wonder though what the "term" of the policy is. If you think about "annual" policies like house and contents these are issued each year. The insurance company can change the terms and conditions each year if they want to.

I suspect ACE will just let the policies continue on for those that they are already "on risk" for.

graemeh

2078 posts

Uber Geek

#380247 15-Sep-2010 17:23

Never mind. I've just read the policy document. It is a monthly policy meaning that ACE could have stopped cover for all iPhone 4s if they wanted to.