I think the screen is fine (considering itās a high-resolution OLED screen and includes the sensor/camera array), the really ridiculous thing is that the glass back (which is just as fragile as the screen itself) falls into āother damageā and is 556Ā£.
Yeah thatās why Iām recommending the pot idea, plus if you donāt break your phone you get to keep the money towards your next phone, where as with insurance thereās no way to take the money out (outside of insurance fraud and even then, you still need to sell the replacement device to actually get cash).
I think thatās the problem with insurances: That people often buy them when they shouldnāt.
We can thank the salespeople who will mis-sell it just to get their commissions, and their employers who set their base salaries so low they canāt afford to live without commissions. Just the other day as I was picking up a phone from Argos the salesperson was shilling some insurance, but she didnāt even do a good job at it, couldnāt even tell me the excessā¦
I recently got a bit annoyed about my phone insurance after it turned out they wanted me to send my phone in to see if they could repair it, before sending it back or dispatching a new one. Which could take up to 3 weeks. (Previously Iāve had same-day replacements).
Since the whole point of having phone insurance is to make sure thereās never any time I donāt have access to my phone, I pretty swiftly cancelled my contract. I now have to live with a slightly scuffed phone
I assumed carriers were liable for this? I remember some Ombudsman cases about it.
I donāt have direct insurance on my phone or laptop - sure they are covered by home insurance but the excessā¦
I used to have insurance on my EE contract phones which was good enough but I just buy my phones used off eBay at a discount so I never really see the point. My laptop is a Thinkpad so it is fairly indestructible and if it ever got stolen Iād be happy enough knowing that everything was encrypted and the hardware totally useless as a result of the security settings Karmaā¦!
Itās actually a very bad idea to have a SIM PIN, as it prevents the phone from having network access should it restart for whatever reason, so you wonāt be able to locate or erase the device remotely anymore.
Just amazed at the number of people who have faith in insurance coās and their products.
House, check, loss would be ruinous and itās not expensive to insure.
Car, check, itās a legal requirement.
Travel, perhaps, depends where you visit.
Anything else, self insure or prepare to be milked by these charlatans - pension anyoneš
my boss some years ago used to buy his house insurance by cheque each year. One year he put off renewing to save a bit of cash. One day his kids rang and said the house had burnt down and he thought they were joking. They werenāt, so he was uninsured. It destroyed his relationship and decades later he had not recovered from the fallout of the repercussions. He still owes his bank money for the house, money that would otherwise have been paid out by his insurance.
I tend to agree with you, and my general approach is to only insure stuff that can ruin me, or a loved one (house, car, health [not an issue in the UK], travel, life).
I have for that reason long avoided mobile insurance, and I still donāt think Iād take it out in its own. However, bundled with my bank account it provides seriously good value for money, for us: the annual fee is about Ā£20 more than I wouldāve paid for our travel insurance alone. For the extra money I get breakdown insurance (which I donāt particularly care about: despite driving a 10 year old car I have never broken down yet, and it doesnāt fall into the ruinous category anyway), and phone insurance. I have two little kids, but the bigger problem is that I myself have what my dad used to call rubber hands: I drop everything all the time. The insurance has over the last 3 years saved us repair and replacement costs of ca Ā£1,300. I consider it more of a subscription than an insurance
Karmaā¦!