Row.co.uk Blog

Getting a new phone is exciting, but don’t get so carried away that you forget to find out all about the contract. Mobile phone contracts can be complex, so follow this guide to make sure you’re not caught out by a bad deal.

Reception
It sounds obvious – but are you signing up for a phone network provider with poor signal in your area? Check first!

Your Monthly Subscription
Before signing a contract, always check that your monthly subscription fee is clear. The amount you pay can be fixed, tiered, or variable, so also be sure you know the difference. Fixed means paying the same amount every month for the length of the contract, tiered means that it can go up or down after a certain amount of months, and variable gives the provider the right to increase the price anytime.

Charges for Leaving
Always check what the penalty for leaving or terminating a contract is. It can be helpful to check price comparison websites first.

Check the Tariff
There is no point in paying for a tariff offering you 500 minutes of talk time a month if you only ever use your phone for texting. More than half of us pay too much for out contracts, through over estimating our usage. So always work out what you actually need first.

Insurance
When you buy a new phone, remember that you do not have to take out mobile phone insurance with the phone provider. This is normally the most expensive way to insure your phone.

*The information in this blog is designed to provide helpful information on the subjects discussed. Please seek a professional for expert advice as we can not be held responsible for any damages or negative consequences upon following this information.

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Phone Insurance Common Claim Fibs

Row.co.uk Blog

Phone Insurance Common Claim Fibs

There are probably very few (extremely lucky) people in the world that have never damaged, lost or had their mobile phone stolen then wished that they’d just paid the extra £1.50 per month to have it insured at the time it was purchased – hindsight is such a wonderful thing.

There is also a small percentage of, arguably more sensible, people who take out their mobile insurance but never claim… that brings us to the rest, the sneaky ones who falsely claim in order to benefit from a new phone, or just one that hasn’t been thrown across the room in wild celebration of the local football team beating their lifelong rivals, then surprisingly doesn’t work!

Here are a few classic, frequent excuses that aren’t fooling anyone, especially mobile insurance providers:

I’ve Lost My Phone

An old favourite for many pseudo-fraudsters. It seems simple enough, if you claim to have lost your phone you could get another, newer model and cheekily sell on the old one, right? Wrong. If you reported your phone as lost immediately to your network provider, at which point they will cancel it to prevent it from being used by someone else, you can’t use it again because most phones are tracked.

Phone Insurance Claim 1: Somebody Stole My Phone

If you feel comfortable committing a crime then, by all means, go ahead, much like the ‘I’ve Lost My Phone’ scenario, you can report stolen mobiles to the police. This will involve a lot of paperwork including an official statement alongside a crime reference number, which goes to your insurance provider. Remember, a false report of theft can lead to prosecution for wasting police time, not to mention fraud.

Phone Insurance Claim 2: My Phone Is Broken

Of course, we’re expected to garner bumps and scrapes on our mobile phone during its short-lived life, it would be impossible not to drop it occasionally or get it slightly wet, and most insurance policies will cover accidental incidents like cracked/scratched screens or mild liquid damage. However, if you’re viewed as having been completely careless with your phone i.e. you dropped it in the pub toilet in your standard Friday night drunken stupor, you’ll undoubtedly get found out.

Phone Insurance Claim 3: My Policy Was Never Cancelled

It’s very easy to purchase mobile insurance when you’re in-store with the sales advisor, they can sweet-talk you into adding it on with the option to cancel after a short period of time. Many people ring up and cancel this immediately (having only taken out the insurance to please the guy in-store and help boost his commission), and some of these people like to pretend that they never called up to cancel in the first place and were unaware. Unfortunately, this will not work either, sorry!

So for those of you who have genuine reasons for needing to claim on your mobile insurance, don’t read this and fear that you’ll be subject to rigorous, immigration-style interviews. But for those of you who think you can beat the system, think again.

phone insurance claim as phone is broken and needing to be repaired with medical kit

*The information in this blog is designed to provide helpful information on the subjects discussed. Please seek a professional for expert advice as we can not be held responsible for any damages or negative consequences upon following this information.

Mobile Insurance Free Quote
Comments are closed