Recently I broke my Motorola RaZer's front screen, when I phoned the insurance company they said I hadnt reported it within the 48 hrs required. So I was wondering if I were to "lose" my phone would they have to replace it?
Thanks for your help!
Charlie
2006-11-22 05:49:10 · 22 answers · asked by Charlie Worrall 1 in Business & Finance ➔ Insurance
As you have already reported the screen and its been rejected then I doubt you could get away with 'losing it too'. Do you really think people are that stupid! It will probably cost less to have it repaired than the excess would be and no worries about ending up in court with a fraud charge!
2006-11-22 06:03:02 · answer #1 · answered by willowGSD 6 · 0⤊ 0⤋
Mobile phone insurance really isn't insurance so it's not insurance fraud, per se.
However it is the reason why the rates you pay for the 'insurance' are so high.
Yes, you can simply report the phone lost or stolen and as long as you have coverage for that, it will pay it.
But you would be cheating the system.
2006-11-22 14:44:09 · answer #2 · answered by markmywordz 5 · 0⤊ 0⤋
Why would you want to turn into a criminal for the sake of a few quid. I would ask them to look at the policy and tell you why damage has to be reported within 48 hrs. That would apply to loss or theft. |
2006-11-23 06:14:47 · answer #3 · answered by Jim G 3 · 0⤊ 0⤋
well, you are on record now I am sure. You will just have to look at your coverage. I bet you have insurance on the phone which allows you to replace the phone a limited amount of times.
2006-11-25 20:34:20 · answer #4 · answered by tigertiggerii 3 · 0⤊ 0⤋
If you have been with this phone company for a fair length of time you could threaten to terminate your contract and then they might replace your phone as a goodwill gesture.
2006-11-22 14:01:56 · answer #5 · answered by little weed 6 · 0⤊ 0⤋
you can try it, but they will have a note on the system saying that you broke the screen previously.
They are on the ball these insurance people, as they do not want to pay out, but will happily take your installments every month!
2006-11-26 06:20:30 · answer #6 · answered by Rebz 5 · 0⤊ 0⤋
i would see how much your excess ie £50
and then send it to a shop, and ask them to quote for the front screen £50
see what is the cheapest.
as if you claim on your insurance you will have to pay the excess and wait for the phone to be fixed, and they will just send you a re conditioned unit. same applies if you loose yours
2006-11-23 14:49:51 · answer #7 · answered by Steven P 1 · 0⤊ 0⤋
you better check if there is a deductable. I found I have a $50 one and I needed a new charger (it is covered) but the charger is cheaper to go out and buy one.
I think I will drop my insurance for the next one....big waste
2006-11-22 15:32:25 · answer #8 · answered by spider 3 · 0⤊ 0⤋
not trying to tell you to lie but my cell was stollen once so called the company and all i had to do was pay a $50.00 deductable and they sent a new one exactly like my old one in 3 days! thats better than buying a new one. oh, and my number stayed the same.
2006-11-22 20:15:56 · answer #9 · answered by jennifer a 1 · 0⤊ 0⤋
They probably would red flag you if you made the claim within 6 months of this damage report.
2006-11-22 13:56:33 · answer #10 · answered by ? 4 · 0⤊ 1⤋