[Fluffywelshsheep]

What is the point of having insurance when, when you phone up asking to claim on it. It's not covered am so f@cking anoyned at the moment.

My step son has a contract mobile phone, he loves to phone people and talk to them etc.

He recently dropped the phone and cracked the screen, so asked to get it replaced /repaired. The company doing the repair is stating that it is not covered by the insurance (which is £5.00 a month) and quoted me £54.99 to repair that and a couple of other things  so what the f@ck have i been paying the money for if ?

(ok 54.99 isn't a lot of money, but it is when you don't really have it to start with)

The phone is only worth about £90.00 new !!! (he has had it over a 1 year now) and still has a couple of month worth of contract on it. So what do i do with it now. He is with out a phone and has been for about a couple of weeks now.

How do you explain to a disable boy thats  he lost one of his things he like to do.
Btw the sim card is lock and can't tranfer it to another phone i have already tried this.

Linz

[kingnigel]

hi linz
is it possible that the phone is covered on your house insurance, also are you sure its not the other phone that is locked and not the sim card, i'm not a tech person but i think phones get locked and not sim cards, if its your phone thats locked what sort is it as it may be possible to unlock it.
kn

[sellickbhoy]

phone insurance isn't worth the paper it's printed on (and certianly not worth what they charge you for it)

i have an old Sony Ericsson phone you can have until your contract is up - it's a good phone, i'm keeping it as a backup should anything happen to mine.

[Fluffywelshsheep]

hi linz
is it possible that the phone is covered on your house insurance, also are you sure its not the other phone that is locked and not the sim card, i'm not a tech person but i think phones get locked and not sim cards, if its your phone thats locked what sort is it as it may be possible to unlock it.
kn

Thanks no it is the sim card that is locked as i have tried it in 3 different phones and i know one to be unlocked for sure  and on all 3 counts it say insert sim or sim locked.
I was really annoyed but i now it not the operators fault but felt like say "for f@ck sake the phone isn't really worth 54.99"

Not really sure what to do currently and operator just calmly asked if i would like the amount added to the next bill, I said no i will get back to you later.
arhhhhhhhhhhhhhhhhhhhhhhhh
Linz

Ps thank you selickbhoy but the sim wouldn't work in it it's locked (the sim will only work in the phone that is broken)

[sellickbhoy]

contact your phone network and tell them the sim is broken/snapped and to send a new one

[doganjo]

If you tell them the circumstances they may even send you a new phone.

[sausagesandcash]

Jeez does no one ever tell porkypies?? It fell out of my pocket while fishing on a lake......taaaa daaaa new phone. However, I think you'd be better canceling the insurance and having your son-out-law (oooops in-law) put a fiver aside every billing month....unless the owner is a complete clutz, when he wants a new phone he should have largely enough money put by. Next problem is how to stop him dipping into the cookie jar full of fivers 

[Roxy]

I had my first phone insured, but never claimed.  I must have had 6 phones now, and have not paid for one.  One fell in a stream (turned up five years later) another lost in mud, one I dropped on the farm track and a neighbour ran over it .....one went funny when it was next to my money in my pocket.  I have never had a problem getting another phone.

[ukag0972]

What network is the sim card on as the sim will only work on phones with the same network, unless the phone is totally unlocked.
Most phones do come locked to the specific network that the sim card is on.

If it's o2 then I may have an extra phone lying about that I could sent you!

My son dropped his iPhone and smashed the screen, apple want £146 to look at it and possibly fix it. Luckily my household insurance covers his phone for accidental damage, or he'd be paying dearly for his butter fingers!

[Fluffywelshsheep]

IT get better



Got so annoyed with the company lst night that i end up in tear (I think it my houmouns at the moment) I have been told my insurance that it is now covered and the get the phone back, It's gona cost me £20 to get the phone back (becasuse the energeare looked at it)which they are gona take out as i agread to it in the verbal contract or something and I'll have to pay another £25.00 for excess claim.

ARHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH

So just gona get the phone back and claim it on the insurance and Write the company an letter and see what happens (the contract run out in September so i don't think we'll be renewing it !!!!)

So annoyed with the guy on the phone as he was taking it personaly and i told him 100 of times it was him i was annoyed with it was '3' that gave me duff information  to start with

Linz

 

[Audmum]

I have two '3' nokia phones (not sure of the model but got them as up grades last year) lying in a cupboard if you'd like one both brand new and never used.
Auds x

[Fluffywelshsheep]

thanks everyone,
perhaps i should set up a stall with everyones mobiles lol

Am just gona grin and bear it and get them to send the phone back to me then get a new phone sent out.

It's amazing what things just sent you off on one, It's a stupid phone,  stop blubbering about it linz.

[Farmer]

Its not the phone problem that's upsetting you Linz, its the feeling of frustration and helplessness when faced with money grabbing shysters who take you for a ride - don't get angry, get smart and don't let some smooth talking salesman talk you into taking out worthless insurance on ANYTHING - its often cheaper to replace than to repair in todays 'throw-away' society.

But hey...isn't it great to see how many people are happy to give you a phone...great people and a great forum!

Cheer up Fluffy, you've got a lot of friends out there/here         

Farmer
 

[Fluffywelshsheep]

Thank you Farmer , (with out going in to to much detail) I havn't had any pmt for 5 months so i think am aloud a big batch of it lol.
Am feeling better now but just super tired was gona go to the stirling agriculture show (about 5 min down the road ) but i have no energy so am currently flaked out on the sofa working thought the freecycle pending members and I wish i could sleep but i have to keep and ear open for little T in case he needs help if he takes a fit.

Linz

[sunnyjohn]

Hi Linz,

I've just caught up with the thread, and read the replies. Firstly, it's sadly another example of how companies blag to sell their product, and back off when you ask them to honour what you were led to believe they promised.

I have a real concern that insurance companies are by nature corrupt in this respect. I claimed from insurers for the loss of about £25k worth of property illegally taken and disposed of in December, and I'm still waiting, with suggestions that I'm trying to commit fraud, demands that I produce photos and receipts to prove I ever had the stuff, and half-hearted suggestions I may be offered about a quarter of the sum 'because some of the stuff was quite old'! (it's a long story!).

Another option might be to get another contract / phone, and have the original number transferred to it. I was told that's easy, and the 'old' company can't stop it - don't know if that's true.

It's enough to make anyone sick, let alone when it seriously affects someone, like you've experienced. Others have suggested a few options, like asking the phone company to unlock the sim, asking for a replacement sim, pleading your case with either the phone company or one or other insurer. And now it seems you have (?) cover, but you end up paying all over again, in effect, to get the phone back and pay the excess; it would be cheaper to buy another phone, sort of thing! Blahhhh! I'm stinking cross for you. Tell us who the insurers, suppliers, company were, and we can all tell them to go whistle, not bother renewing contracts, shp elsewhere, etc. I'd like to think 'people power' actually made a difference, but even if it doesn't, much, it can be quite satisfying to be able to tell 'the company' that you have an army of followers who will give them a wide berth as a result of your bad experience. Many companies pride themselves on responding to customer pressure. Let's try to make that count?

Hope you get a positive outcome very soon.

'Hugs'

John