Downside with Tesco Bank is that you can’t open a current account with them and I think their partners are the same as their clubcard ones so, I’d hazard a guess that avios integration will disappear in the new year when you can’t convert clubcard points to avios anymore.
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Hmm I think this is a case of ‘if you have to ask the price, you cant afford it’
According to Assurant, this simply isn’t true. I contacted them via email and here is there response.
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I don’t think that’s true at all.
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Thats bad 
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Does this mean that if I used my AppleCare+ to get my iPhone repaired and it was subsequently lost, stolen or damaged, could Assurant theoretically refuse to cover me for the loss, theft or damage as it was previously repaired by a third party?
I don’t know. But it definitely means you can’t take it to apple and get assurant to pay for it! As stated before.
A quick google didn’t yield much information on whether Assurant are an Apple Authorised Service Provider which doesn’t fill me with a great deal of hope and by locking out the Apple direct route for repairs it kinda feels like they want to be able to repair devices on the cheap and pocket the difference by avoiding Apple.
Aaaaand this is why I suggested having something put in writing.
Very disappointed here.
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@anon37340653 are you able to verify this? As assurant have said what you said isn’t true.
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What’s most frustrating is that Vodafone offer mobile phone insurance from LSG and underwritten by Assurant, as part of that insurance package, iPhone owners can use AppleCare services. So it’s not like Monzo couldn’t keep that route open when agreeing an insurance plan with Assurant.
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Having looked into this a little more, Assurant don’t seem to be in Apple’s list of Authorised Service Providers in the UK (from here: https://support.apple.com/repair/verify-repair-provider) at any of their registered addresses.
This means that contrary to Monzo’s statement above, Assurant will not be using genuine Apple parts, or replacing with “the same kind of stock” Apple would provide.
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Then I feel the product has been completely mis-sold. They are massive implications when we are talking about devices that could be worth £1299
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I agree. I’m potentially making a complaint to Monzo on this.
I’ll give them a chance to respond here first before I do, but I’m very unhappy about this - feeling conned into my Premium purchase now. Likely not mis-sold, as the docs are pretty clear, but we’ve been misled by a Monzo employee, which doesn’t feel great.
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Or maybe Monzo are the innocent party and assurant are not giving customers what they gave the Monzo tests. Iv emailed assurant back asking for more information and the implications for a non authorised apple service provider fixing my phone are on my warranty.
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Keep us updated. If what they said is correct, this is a poor policy.
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Reading the terms Assurant are upfront about the use of unbranded parts so it’s not missold. However, I’d probably lean on not accepting those terms as you can’t be sure of the quality of the parts being used.
- Repairs will be made using readily available parts, or we may provide remanufactured products. These may contain parts that are of similar or equivalent specification, and these may include unbranded parts. This policy is provided in addition to any manufacturer’s warranty that applies to your mobile phone (“applicable manufacturer’s warranty”). Nothing in this policy is intended to affect your rights under the applicable manufacturer’s warranty or your statutory rights.
Pg5/6
EDIT: Added paragraph from Ts&Cs
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Do you get a premium monzo icon to choose when upgraded?
I get why you feel like that, but I think there’s a big difference between an innocent mistake and a deliberate con, and if there was a miscommunication I’d be fairly confident it was the former. Maybe best to give Monzo some time to come back to you.
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I agree, though best to raise it through in-app chat. I wouldn’t wait for a response on the forum as it’s not an official support channel.
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