But if you have separate insurance for just your phone, you’ll probably get passed between the insurers for it. My mother had that issue with NationWide and NFU Mutual a few years ago. Because both insurances overlapped when it came to her phone, neither were willing to cover it because the other insurer covers it. It eventually got resolved, and Nationwide paid out, but it was more hassle than it was worth, and the packaged Nationwide account was closed soon after.
If you’re still worried, for when you’re outdoors, it might be possible to add out of home cover to your existing contents insurance policy relatively cheaply. It’s worth enquiring. For an extra £5 per month, all my portable tech (not just my iPhone) is covered out of the home.
Not that I would suggest insurance fraud, but if you dropped your phone from the top of the Eiffel Tower and then called them and said it fell out of your pocket on the way down the stairs, how are they going to prove differently?
I’d consider changing you’re contents insurance then too. Getting contents insurance and phone insurance in one is pretty common and you can save quite a lot. And you’ve been with them a year so that’s a good time to look if you can get cheaper elsewhere.
I’m gonna recommend Urban Jungle again, especially if you’re a renter, but look at the MoneySaving Expert links above too - that website will always send you in the right direction.
The only thing stopping me from cancelling my protect my bubble insurance is all the fuss finding someone reliable to fix the phone if the worst happened
I see Apple do repairs themselves, something to consider
There could be a number of factors specific to you which would explain why Ordog’s rate is different from yours (as there would be a number of factors specific to him that contributed to his rate).
What I would recommend is using the guides on MoneySavingExpert - like this one for Contents Insurance for Tenants - to do your own research when you come to do your insurance next year.
That way even if you’re paying a high price, you can at least be comfortable that you’re picking the insurer where you’ll be paying the lowest high price for the level of cover you need.
Got myself a nice strong case and screen protector.
I’ve decided to keep the bubble insurance for 6 months. As by then the price might depreciate therefore making the insurance more than the value of the phone
I dropped my phone earlier (and I think it was subsequently run over). Do you think this is beyond repair? The ‘find my iPhone’ feature still works, and it still seems to charge, and light up when I press the home button… I’m probably being a bit optimistic here!
The LCD under the glass looks damaged too, so it’s not cheap before you start, then you don’t know if the camera and speaker are gone too , and maybe even the fingerprint sensor.
I would just get a new phone personally.
Depending on the model you can get a screen kit off eBay for ~£20 and if you do fix the screen it’s a good spare device even if the camera and speaker don’t work.
Although I’d be cautious that the battery may be damaged and a fire risk.