What Can I Not Claim For On A Phone Insurance Policy?

This really depends on what mobile phone insurance policy you have and who your mobile phone insurance provider is. For example whilst one company will provide you with overseas cover another may not, just like some policies include mobile wallet protection, whilst others don’t. So it pays to read your policy documents thoroughly so you know exactly what you’re covered for and what you’re not.

Once you’ve established the details of your policy, you need to know that there are certain situations when your policy won’t actually cover you, despite you thinking that you’ve got the protection. Now these are unusual, particularly where significant exclusions and limitations are concerned, but it’s important to know where you stand. This will prevent you from being disappointed in having a claim rejected, and will also make sure that you still look after and maintain your phone in a good working condition.

You can’t claim if you’ve damaged the phone yourself, or it’s been damaged through general wear and tear. You’re responsible for the maintenance of your handset, so if it gradually deteriorates as a result of usage, any claim will be rejected.

If you’ve lost the phone and the circumstances surrounding this loss can’t be clearly identified then you could face a problem when claiming. Likewise, if you’ve lost your phone or had it stolen you must ensure that you get a police report, a crime reference number or a lost property reference number. Theft and loss reports are also applicable if you’re claiming for unauthorised calls or unauthorised mobile wallet payments.

In terms of time frames, make sure you get a loss or theft report as soon as you’ve noticed the phone has been lost or stolen and claim as soon as you can. You have to report the theft or loss to the appropriate local police within 24 hours of when you noticed the incident had occurred. Likewise you also have to report this to your network within 12 hours of when you noticed it. In terms of claiming time frames, any claim made after 48 hours of when you’ve noticed the incident or returned from holiday to the UK where the incident happened, then in all likeliness your claim will also be rejected. Once you make a claim you need to return your claim form within 30 days otherwise it’ll be invalid.

Certain situations will also prevent you from making a successful claim. For example if your phone was left inside a car on view, i.e. not hidden inside the glove box or boot, or if the car wasn’t even locked in the first place. If the location of where your phone was lost or stolen was unoccupied (unless there is evidence of a forced entry) and likewise if there was no evidence of force or threat of violence to the person, then your claim will be invalid. If you lose your phone in a public place after leaving it unattended then this will also be difficult to claim for.

Whilst some of these situations may seem a little harsh, it is important to remember that it is your responsibility to take the necessary precautions when looking after your own mobile phone. So the next time you go to make a claim if your phone was lost, stolen or significantly damaged make sure you read the terms and conditions of your policy. Be sure to check this before you take out the policy, so you are totally one hundred percent happy with it, ensuring that it fully meets your requirements. If not, when it comes to making a claim, you might well find that you’re rejected.

By: Vincent A Rogers

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This article was written by Vincent Rodgers, who writes on behalf of a number of phone insurance providers, based both in Europe and the United States. For iPhone 4S insurance in the UK, he recommends insurance2go.