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Switch up but had phone stolen during the pre-order, now saying insurance is void?

Javen99
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So a few weeks back I did a switch up and pre-ordered the iPhone 17 Pro Max and the plan was when that arrived I would send my 16 Pro Max back and then do a switch up. So fast forward a couple weeks and I went to a gig and got my phone stolen, "not a problem" I thought (well not a big problem) I'll claim on my insurance I've been paying monthly for the past year....wrong, after 2 hours of back and forth they told me since I had initiated a switch up the insurance was transferred to my new phone...my new phone that isn't in stock and hasn't been sent nor have I received yet, so my recent bill I paid insurance to insure which phone exactly? for what?

Has anyone had or heard of similar situations before? im waiting for a call back from escalations team in 2 days and am currently without a phone and expecting them to try and screw me over so im prepared to have to rip into them because legally this surely can't hold up, I didn't ask to transfer the insurance and even if that's something that is done surely you wait for the person to receive and accept the phone before doing anything while I still have (or did) the phone i'm paying to insure, so until the new one arrives I have insurance to cover loss or theft.

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gmarkj
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Might not help directly @Javen99 , but if you have a paid for bank account there might be phone insurance included?

Please note, this is not customer services and we cannot access your account. Do not publish personal details (email, phone number, bank account).


Link to our guide on how to contact them can be found here

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Javen99
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cheers for the suggestion, I have club Lloyds but its the level above that offers phone insurance 😞 if only I paid £5 a month more, still hoping o2 can sort it from what I can see my bank doesn't cover it 

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