The best phone insurance is with your provider. That is a fact
But I’m assuming you are not in a position to do that?
I’m with Protect Your Bubble, but I’m still unsure as I’ve not claimed. And all their good reviews seem to just be “it was so easy to sign up,”
Small story behind this -
I had insurance with Vodafone, but I pay for Revolut premium for no reason. Had a few conversations with their support about their insurance. And decided I’d go for it because paying premium, and the insurance was still cheaper than paying through Vodafone. Phoned up, cancelled Vodafone insurance. Loaded the app. Clicked “next” or something along those lines, first part of the sign up was a checklist. “is your device less than 6 months old?”
But Smarty doesn’t have an insurance service. Their parent provider 3 might but I’ll have better chance of winning the lottery than getting satisfactory customer service from them. Plus I’m pretty certain you have to have bought the phone from your provider or somewhere like carphone warehouse for them to offer it but I know it’s cheaper in the long term to buy the phone unlocked upfront and go for a rolling 30 day sim free no-contract.
Also, my housemate recently broke his iPhone X and claimed through Vodafone. They took 2 weeks to replace it and gave him a very basic Android feature phone as a loan.
He upgraded with Vodafone at time of release shortly before Xmas last year. Like all top model iPhones, there’s a shortage for the first few weeks or so but after that it shouldn’t be a problem.
I think there are (were?) some in this forum who were cross with MSE’s coverage of monzo at some stage, especially when the foreign ATM fee was discussed and introduced. This was exacerbated by the impression that MSE’s promotion of monzo as a travel card was the main contributor to the demise of free ATM withdrawals in the first instance, as too many MSE readers were assumed to have singed up for monzo purely to use it as a travel card, which was obviously loss making.
Others take issue with MSE’s often sensationalist headlines/reporting. I personally detest that, too, and would much prefer factual, calm reporting, but I still consider MSE as providing pretty good information once you ignore the sensationalist stuff.
There may be other reasons, but these are the two that I noticed …
I went with Nationwide FlexPlus Account. £156 a year. Mostly for the travel insurance which would have cost me about £100 anyway, so seemed to make sense.
Just looked at Protect My Bubble. £12.99 a month for an iPhone X. My Nationwide cover may only be for £1000 but you can also add all phones owned by myself and family members for the same price.
If you can keep £2500 in the account then you earn about £5.50 interest a month, so it then comes down to around £7.50 a month, for comprehensive travel insurance, phone insurance and breakdown cover. Even if you don’t want to use them as your day to day bank account, it’s not bad value.
I just had to check as well lol. From their web page on how to make a claim, I found this
Pay your excess and sit tight while we either repair your gadget or send you a replacement. Your excess will need to be paid before we can settle your claim.
I have Revolut phone insurance and just filed a claim after damaging my phone’s screen.
What is involved in the process? How long did it take with you?
