Mobile Phone Insurance - The "Interpretations" of the policy from VF and Telecom

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Goosey

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Topic # 128651 18-Aug-2013 09:52

Mobile Phone Insurance - The "Interpretations" of the policy from VF and Telecom
With Thanks to © Fairfax NZ News

http://www.stuff.co.nz/business/money/9051091/Dial-trouble-if-you-leave-phone-in-a-bar

sdav

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Reply # 880565 18-Aug-2013 14:46

Yeah, phone insurance has always been a rip off and pointless.

mattwnz

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Reply # 880579 18-Aug-2013 15:32

I think the best option is to self insure yourself, if it isn't already covered by your household insurance. Leaving it behind somewhere and then it getting stolen doesn't appear to be covered anywhay by some of the telcos.
The benefit of putting aside $20 per month, is that if after a few years you have got a good amount towards a new model.

mudguard

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Reply # 880671 18-Aug-2013 18:47

I don't know. 9/10 of customers I dealt with (Business customers with anything from 10-100 connections) "insurance" type issues were for dropped and damaged phones.

You could own an iPhone five for 10 months, pay $100 in premiums then $125 excess and get a $1050 device back. I think the Vodafone loss description is a bit vague. But I guess it depends on (for consumers) your contents excess. But for business users it was invaluable. The phones were replaced much faster, and customers were always incredulous I didn't have an iPhone 5 to send them to use whilst they decided on what to do...

sbiddle

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Reply # 880685 18-Aug-2013 18:54

sdav: Yeah, phone insurance has always been a rip off and pointless.

I disagree.

It has it's place. And considering most phone insurance claims are for dropped/damaged phones the fact you can literally have your claim accepted on the spot and a new phone the next day is invaluable.

wellygary

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Reply # 892204 9-Sep-2013 16:39

Although you have got to love VF's moralities in their determinations.

Leave your phone on the bus, you are covered,
leave it is a Bar, you are SOL

I'm guessing leaving it in a public library is probably OK too,
but If it disappears on a trip to the Spearmint Rhino, you're stuffed... :)

wellygary

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Reply # 892205 9-Sep-2013 16:39

Handsomedan

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Reply # 892252 9-Sep-2013 17:09

Spearmint Rhino?

Handsome Dan Has Spoken.