Claiming on your bank insurance for a mobile phone

[ChelseaHarvey]

My phone is fecked (i have a blackberry) & have had nothing but problems with it. I only got it in April

It freezes, keys arent working, it keeps asking me to asign a speed number. Keeps adding N's in when im trying to text

This is the 2nd time in about 8 weeks this has happened.

I am going to claim on my phone insurance though my bank i think, i have this in place & also insurance through Phones for you, I have not used my phone all day today & was going to phone my bank tomorrow & say that i have lost it

I bank with First Direct not sure what the excess is, i know it is about £70.

I am going to go down this route as i dont want to be without a phone for 4 weeks, they dont give out replacements anymore i also know that if it goes back this time i will get a reconditioned phone which i dont want.

If i go through my insurance i get a new one & it will prob take a few days to a week & this is what i would prefer

Has anyone claimed through there insurance (bank) is it easy & quite hassel free what was your excess??? I have looked through the policy i cant see it saying anywhere about a excess?

[donna-j]

Surely it should still be under warranty?

[guinness]

i had to fill in a form, semd the handset away for inspection and they sent me a new one. excess was £30.

when it was stolen all I needed to do was provide the police incident/ crime number and they sent me a new one, same excess. bank with LTSB if that's useful?!

hope you get it sorted xx

[Greenpea1]

Surely it should still be under warranty?

It will be under warranty but if it's anything like what my OH is going through they still only send it away for repair and then you only get a reconditioned one if they can't fix it. I personally think if it's under warranty and they can't fix it they should give you a brand new phone but that just doesn't happen

[Waxy Bean]

I have not used my phone all day today & was going to phone my bank tomorrow & say that i have lost it

You do know that this is insurance fraud and quite simply illegal. By claiming for a phone that is not lost you are increasing premiums for everyone.

Sorry, but this is something that I feel quite strongly against.

[ChelseaHarvey]

Surely it should still be under warranty?

It is but i will be without it again for 4 weeks & this time i get a reconditioned phone which i dont want.... The main thing is being withouth my phone again for 4 weeks

[ChelseaHarvey]

It will be under warranty but if it's anything like what my OH is going through they still only send it away for repair and then you only get a reconditioned one if they can't fix it. I personally think if it's under warranty and they can't fix it they should give you a brand new phone but that just doesn't happen

I agree with this, it just keeps going back to be repaired thats all they do, Hence why im now thinking "sod it" tell a porkie pay a small excess but at least i get a new phone

[ChelseaHarvey]

=Waxy Bean;3113316]You do know that this is insurance fraud and quite simply illegal. By claiming for a phone that is not lost you are increasing premiums for everyone.

Sorry, but this is something that I feel quite strongly against.

Il drop it in water then & claim for water damage

[violet wallop]

I think you need to be quite insistent about getting a new one as they haven't been able to fix it. I really, really wouldn't commit fraud.

[lobby]

I'm with Waxy. Not only is it illegal, it's selfish because it increases premiums for everyone else.
You should absolutely go back to the shop and explain the difficulties you've been having with it.