Row.co.uk Blog

Alcohol Consumption And Phone Theft


Mobile phone crime is continuing to soar, year after year and there is a direct correlation between phone theft and alcohol consumption. 

A Crime Survey for England and Wales in 2013 revealed that women aged 18-24 are the most likely targets of mobile phone theft. The Office for National Statistics revealed that 1 in 20 women aged 18-24 reported having their phone stolen, 46% of whom admitted to being under the influence of alcohol when their phone was taken. 

The survey further revealed that 37% did not have mobile phone insurance at the time of having their phone stolen! 

You’re the most vulnerable to mobile phone theft when in London – last year the Metropolitan Police stated that 314 phones are stolen every day in the capital, and that young professionals are the most common victims. 

How can you prevent getting your device stolen when on a night out? 
• Keep it in a safe place – like an inside pocket or the inside zipped section of a handbag. 
• Don’t take it out at the bar. 
• Don’t ask strangers to take a photo of you. 
• Avoid using it in isolated places. 
• Switch your mobile to silent so thieves don’t notice you have one on your person. 

Think before you drink – you’re less in control if you’re drunk and therefore more vulnerable to having your gadget stolen. 

What should you do if you get your device stolen? 
• Immediately report the loss to the police and to your network operator. 
• Contact your insurance provider with the IMEI number and process your claim.
• Try to recall the last time you had your phone – then half your battle is won! Chances are, it might have been turned in. 

We’ll leave you with this short video: ‘The 5 Stages of Losing A Smartphone’. Make sure you insure your mobile phone or gadget to avoid that sense of panic when you lose it. Click here to get a quote with us today.

*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: always read the small print

Row.co.uk Blog

If you own a mobile phone, then phone insurance is a necessity. Everyday life dictates that there will be certain scenarios beyond your control that may compromise your smartphone’s safe existence. From theft and loss to accidental damage, your phone has to jump through hoops to remain in your possession and in good working order.

Read before you ‘sign on the dotted line’
Whilst applying for phone insurance is quick and easy using online tools, insurance policies do come with terms and conditions, aka the small print.

The phrase ‘always read the small print’ is bandied around for a reason. Not because insurance companies think you fancy a good read, but because you need to be aware of what your policy covers, what is excluded and the process to follow should you need to make a claim.

What exactly does your policy cover?
Reading the small print before you ‘sign on the dotted line’ or tick the equivalent ‘I agree to the Terms and Conditions’ box online, allows you to determine if the cover provided is suitable for your needs. If it doesn’t offer what you need, then don’t take out the policy. It’s as simple as that.

At Row.co.uk we clearly state what is covered and what is excluded under our policy in our Terms and Conditions. You can find these on our website, as well as a brief summary in our FAQs.

If you need to make a claim
Should the unmentionable happen, make sure your policy covers the scenario in which it happened. If your phone is stolen or lost make sure you notify the police and get a Police Report. Most insurance policies stipulate that this is a necessity in order to process your claim. Also, some policies require this to be done within a certain timeframe too.

Theft and loss claims
At Row.co.uk our claims procedure guide stipulates that when claiming for theft or loss, you should ‘notify the appropriate local Police authority within 24 hours of discovering the incident and obtain a Crime Reference/Lost Property number and a copy of the Police Crime report.’

Accidental damage claims
For accidental damage claims we stipulate that you ‘keep all parts of Your Telephone and return it for inspection in accordance with the Claims Administrator’s instructions. The Telephone remains your responsibility until it has been received by the Claims Administrator.’

All claims
For all claims we stipulate that ‘If you or your immediate family are not in possession of Your Telephone You should contact Your airtime provider within 24 hours of discovering the incident to place a call bar on the Telephone.’

Also that ‘you should notify us on 0844 318 6871 within 2 working days of discovering the incident (or in the event of an incident occurring outside of the United Kingdom, within 2 working days of returning to the United Kingdom). Our opening hours are 9am – 5.30pm Monday to Friday.’

So, when you take out mobile phone insurance, be sure to check what your policy covers and what documents are required in order to make a claim. Failing to do so could result in your claim being unsuccessful and a very unhappy you.

*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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