Thinking of going Sim Only. Will O2 Mob insurance be available?

[bpc1]

Hey people!

I've paid off my device plan today, for no particular reason than to reduce monthly outgoings and perhaps consider some new devices coming out in the Autumn that you cannot get through the O2 store.. (pixel3 maybe!) Anyway.. my contract ends in late December. When I paid off my device plan, the nice O2 chap mentioned if I wanted to go Sim Only. I never considered this option frankly. However looking into it, it could dramatically reduce outgoings now that the device is payed off.

However, wanted to see what would happen before I call again.

1) Will I have to pay off my contract (upto december) to switch to a lower priced Sim only contract?

2) Will I be able to retain or continue in some form, a O2 bolt Mobile Insurance bolt on? I like having o2 insurance bundled in for simplicity. However worry that because potential future changes of the device may present a problem there.

Thanks,

Ben

[Cleoriff]

Hi @bpc1 If you want to transfer to sim only before contract end you will have to pay off the remainder of your contract.

You need to mention you want to keep O2 insurance as this will be a different contract you are on.

I am sim only and O2 do have some gret deals

[MI5 · Accepted solution]

As you are on refresh and the device is paid off, you can switch to any sim only tariff for free, ie no cancellation costs.
Your insurance will also continue on the handset whilst you continue to pay the premium but you should cancel it when you get a new phone.

[Bambino]

@bpc1 You might want to also look at other ways to insure your phone, as I believe O2's insurance is fairly expensive. Many home contents policies now cover mobiles, as do most banks. Might be worth shopping around. 

[Cleoriff]

@bpc1My mistake. I missed the part where you stated you had paid off your device early....You can move to a sim only contract at any time... Best thing I ever did....good luck with it

[bpc1]

Thanks all! Very informative. @Cleoriff Yeah they have a £17/month deal which seems pretty legit.. saves a ton!

Yes indeed I am on Refresh @MI5 and if I can just move to a sim only contract straight away without worrying about any further cancellation fee's etc that'd be great. I assume I'd just ask about the insurance issue when on the phone to them. 

@Bambino Sounds an idea. I have used the o2 insurance in the past and it's all been relatively smooth. If cheaper elsewhere then great, but the service is the issue. 

[MI5]

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@bpc1 wrote:

Yes indeed I am on Refresh @MI5 and if I can just move to a sim only contract straight away without worrying about any further cancellation fee's etc that'd be great. I assume I'd just ask about the insurance issue when on the phone to them.

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Yes, your airtime is cancelled for free if requested now.

https://community.o2.co.uk/t5/How-to-Guides/How-does-O2-Refresh-work/ba-p/1014093