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[Pat_UK]

I just cant seem to get a straight answer from O2 over the iphone insurance

here http://www.o2.co.uk/money/mobileinsurance it says that iphone insurance is £12.50 a month and £60 for the first claim for any model

Here http://www.o2.co.uk/business/sme/businessservices/o2insure it says that iphone insurance is £15 a month and the excess is £100 for first claim for a 32g Iphone 4.

The o2 chat people say different things, one has said that as my insurance is over £12.50 I dont have to pay any excess, some are saying I have to go to a store and they will tell me what to pay.

But generally they just want to upgrade me and sign me up for another contract as my 2 year contract has just ended and dont really want to

Basicaly my screen is cracked, I have paid 24 months insurance at £15 so £360 paid out, i am certainly not gonna pay out another £100 excess to have the screen fixed.

But some clarity in the insurance for damage where a repair is needed rather than replacment should be made available

[adamtemp64 Level 50: Versatile]

The insurance depends on when you took the policy out as it has changed. Are you a consumer tariff or business tariff

This is why we stopped our insurance with o2 as they are the most expensive provider of insurance.

We insure our 3 iphones as a specified risk on our busibess contents policy for a total of £36 a year with a £100 excess not the £45 a month we paid with o2.

Also for £139 max apple will do out of warranty replacements for cracked screens on the spot swap. http://support.apple.com/kb/index?page=servicefaq&geo=United_Kingdom&product=iphone look it up there the price quoted there is for postal so you deduct the £7.44 postal charge

[Pat_UK]

Managed to get some sense put of them today, aparently even though I have not claimed on this policy, I have to pay £75 for them to fix the screen, ad this to the £360 that I have paid for the the insurance over the last 2 years, an expensive screen I think.

So after arguing with the guy on the phone and getting knowhere , I told him to cancel the insurance immediately, which he got all stressy about saying what if this and what if that, I explained that "what if" has happened and that O2 insurance have taken the p***.

My gadget buddy will insure an iPhone 4 that is under 3 years old for upto £750 in value for £5.04 a month (you need to check as most other online insurance firms state under 12 months old and will not insure applestore refurb exchanges ) excess is only £25 for damage.

I then asked him to check the amount of minutes, texts and Data I'd used over the last few months and change me to a better plan, which again he grumbled about, the if you go over this or that...

So thanks to O2 being an ars* over a ridiculous £75 excess, I am now saving £40 a month on insurance and contract. Had they just fixed the screen at a sensible price, I'd have carried on regardless. I'm glad I'm out of contract !!!

Oh and a new digitizer with LCD is £20 on eBay and are not exactly hard to change....

[MI5 Level 62: Glorious]

Unless you are extremely clumsy or very unlucky, insurance rarely pays off. You would be better off putting £10 a month away for the occasional just in case and you still have the money if you don't use it. This is known as "self insuring" and many big companies do it for all sorts of different types of cover.

[reyburnphoto]

Quite honestly the o2 phone insurance isn't really worth it - I've been paying £15 a month for several years, and I still have to pay £50 to get a replacement phone, and it took me four different phone calls to get them to send out the new phone to me on holiday abroad.  Even then it hasn't arrived yet, and communication has been really poor.  You're better off just setting aside cash in an account of your own, and then using that cash if anything happens to your phone!!