I lost my phone but the insurance I pay £8 per month for only covers theft. Should I just say it was stolen and do I therefore have to lie to the police? Has anyone else been in a similar situation and able to advise?
2007-05-03 08:45:50 · 24 answers · asked by micktravis 1 in Business & Finance ➔ Insurance
You could lie but that constitutes fraud and is probably punishable by a larger fine than it would cost to buy a new phone. I am not sure how it works in the UK but in the U.S. you would also have to file a police report and therefore be subject to filing a false report which is also a crime. On the other hand you might not get caught and so you could get a free phone. This seems like a risk versus reward problem and in my case I would buy a new phone rather than risk criminal actions. However you are responsible for your own actions even if they constitute a crime.
2007-05-03 08:53:31 · answer #1 · answered by Anonymous · 3⤊ 1⤋
Your insurance should cover loss. It should cover everything from theft to you actually damaging your phone by accident for example, washing it. Check with your service provider or go straight through to the insurance company itself. If it doesn't cover loss it would be very unusual. I would definitely not lie, that's fraud and it's the reason things are harder on everyone else, like having to have a police report for a stolen cell phone, you may still have to have a notarized affidavit stating it was lost.
2007-05-03 09:00:09 · answer #2 · answered by user u 2 · 1⤊ 0⤋
Making a fraudulent declaration to an insurance company is a criminal offence. I doubt the price of a new mobile phone is worth the risk and, without a crime reference number from the police, you cannot proceed. Do you also want to lie to a police officer?
Personally, I'd just get myself a new phone and take out a more comprehensive phone insurance policy.
2007-05-03 22:01:44 · answer #3 · answered by Micky Fees 3 · 1⤊ 0⤋
You know the answer really don't you?
Your insurance company would want a Police report to accompany your claim. You would then be guilty of wasting Police time and insurance fraud, and may well get caught and charged with both.
The right thing to do would be to swallow your loss, buy another phone, and take out a better insurance on it.
Only you can decide whether you are responsible enough to do that...
2007-05-03 08:54:44 · answer #4 · answered by annie 6 · 2⤊ 0⤋
No, no, thrice no! You definitely don't want to do this! If you get caught (which is very likely) you will end up having your policy cancelled and a criminal record. Having a criminal record will make it hard for you to find a job in the future, as you have to declare it on the application forms, and very few people would want to employ a dishonest person.
Even if you didn't get caught, the consequences for society are serious. It causes premiums to be higher than they would otherwise need to be, therefore putting insurance policies out of the reach of the people who need them the most (eg the poor and vulnerable).,
2007-05-05 05:43:36 · answer #5 · answered by sparkle555_2000 3 · 1⤊ 0⤋
Make the claim if you want too - but if you ever catch yourself moaning about the increasing cost of insurance you must immediately punch yourself in the face until unconciousness ensues.
I know it seems like a white lie but slightly exaggerated or fraudulent claims cost in excess of a billion pounds a year in the UK (& that is just on Motor & Household claims)
It is not the insurance companies who pay for that loss in the long run it is you, me, our families and every other Joe.
2007-05-03 11:20:41 · answer #6 · answered by Dan Insurance Man 2 · 0⤊ 0⤋
What you can do is phone the Police and say that it was stolen from your pocket on the bus. The Police wont bother to come out to you but they will give you the vital crime number.you then contact the insurance company with the story and you will get a new phone. The police will send you a leaflet a few weeks later telling you that you were a victim of crime. Do you have a concience as your figure will be used by the government and will probably push up your poll tax and contents insurance. Good Luck
2007-05-03 08:54:10 · answer #7 · answered by steven p 2 · 0⤊ 3⤋
Well the insurance company will want a police report, depends how far you're willing to take it, its up to you how morally you feel about doing it but i pay £8 a month for my phone insurance and it covers everything down to loss and accidental damage, you sure you're not covered?!
2007-05-03 08:51:10 · answer #8 · answered by agius1520 6 · 2⤊ 0⤋
Not a good plan to lie. If you get caught in the lie, you'll be charged with insurance fraud and making a false police report.
2007-05-03 09:03:41 · answer #9 · answered by zippythejessi 7 · 1⤊ 0⤋
if u a christian dont lie tell the truth and talk to God and he will help u buy a new 1 . If u not a christian u can lie and say it got stolen.
oh yeah i have been in the same situation but it was a car accident that i did but i did the right thing and told the truth
2007-05-03 08:57:08 · answer #10 · answered by Anonymous · 0⤊ 1⤋