Zingari
Brands Hatch
- Joined
- 25 Oct 2009
- Messages
- 14,390
Chums
As most of you will know I much prefer the phone that has a wire for plugging into a socket but daughter's tastes are somewhat more 'out there'.
Well the time has come for her to move onto the iPhone and I have been tasked with sorting the contract (given that I will be paying for the bloody thing) and the Insurance.
Contract sorted :thumb: However Insurance is a different matter.
c:
Firstly it is impossible to insure a phone for someone less than 16yrs (fortunately we get past that in a few months) as part of the 'immediate family' cover and secondly the exlcusions determining theft and loss defy logic :x
Take this extract from a 'platinum' policy to include loss:
EXCLUSIONS
This certificate DOES NOT cover:
Theft or loss of the Product
a) whilst kept in an unattended motor vehicle unless the
vehicle is locked and all protections are in operation and
the Product is concealed in a locked glove box (all
vehicles) or the boot of the vehicle (saloon cars), under the
rear parcel shelf (hatchback cars and 4x4 vehicles) or in the
spare wheel compartment (estate cars) so that forced and
violent entry into the car is required. A copy of the repairer's
account for such damage to the vehicle must be supplied
with any claim. Theft or damage from side pockets and any
other interior space of the vehicle other than those specified
will not be covered;
b) from any commercially registered vehicle;
c) from any property, place or premises unless the theft has
been accompanied by forced and violent entry or exit to the
property, place or premises;
d) whilst in any form of public transport or public place other
than when the Product is taken from You by actual or
threatened force;
e) unless accompanied by a Crime or Lost Property
Reference number (refer Exclusion 2f below). Lost Property
numbers are not acceptable in support of a Theft claim;
I have highlighted the key exclusions and wonder what actually satisfies a loss as clearly when in a public place, on/in public or commercial transport you cannot 'lose' it - unless force or threatened force is used (I think that actually fits the definition of robbery?)
Equally a theft (eg in the belief you have been the subject of a pick-pocket) in the absence of evidence is often categorised by police as a loss for which you will get a 'loss' report number. You then tell said Insurance company it was stolen reporting it as a theft, its recorded as a loss which is excluded.c:
Needless to say I didn't go with the above company but found one a little better worded but left me with little confidence they will pay for a loss.
And they wonder why Insurance fraud is so rife :nooo:
As most of you will know I much prefer the phone that has a wire for plugging into a socket but daughter's tastes are somewhat more 'out there'.
Well the time has come for her to move onto the iPhone and I have been tasked with sorting the contract (given that I will be paying for the bloody thing) and the Insurance.
Contract sorted :thumb: However Insurance is a different matter.
c: Firstly it is impossible to insure a phone for someone less than 16yrs (fortunately we get past that in a few months) as part of the 'immediate family' cover and secondly the exlcusions determining theft and loss defy logic :x
Take this extract from a 'platinum' policy to include loss:
EXCLUSIONS
This certificate DOES NOT cover:
Theft or loss of the Product
a) whilst kept in an unattended motor vehicle unless the
vehicle is locked and all protections are in operation and
the Product is concealed in a locked glove box (all
vehicles) or the boot of the vehicle (saloon cars), under the
rear parcel shelf (hatchback cars and 4x4 vehicles) or in the
spare wheel compartment (estate cars) so that forced and
violent entry into the car is required. A copy of the repairer's
account for such damage to the vehicle must be supplied
with any claim. Theft or damage from side pockets and any
other interior space of the vehicle other than those specified
will not be covered;
b) from any commercially registered vehicle;
c) from any property, place or premises unless the theft has
been accompanied by forced and violent entry or exit to the
property, place or premises;
d) whilst in any form of public transport or public place other
than when the Product is taken from You by actual or
threatened force;
e) unless accompanied by a Crime or Lost Property
Reference number (refer Exclusion 2f below). Lost Property
numbers are not acceptable in support of a Theft claim;
I have highlighted the key exclusions and wonder what actually satisfies a loss as clearly when in a public place, on/in public or commercial transport you cannot 'lose' it - unless force or threatened force is used (I think that actually fits the definition of robbery?)
Equally a theft (eg in the belief you have been the subject of a pick-pocket) in the absence of evidence is often categorised by police as a loss for which you will get a 'loss' report number. You then tell said Insurance company it was stolen reporting it as a theft, its recorded as a loss which is excluded.
c: Needless to say I didn't go with the above company but found one a little better worded but left me with little confidence they will pay for a loss.
And they wonder why Insurance fraud is so rife :nooo:
