Hey all. Im new to this so forgive me if details are vague...

Basically my GF bought an iphone 2 years ago from one of the large phone companies. At the time she was unaware that insurance had been taken out, she only found this out a few months down the line while checking her bank account. In the end she just left the insurance on and did nothing about it thinking that if anything happened to the phone then at least it would be insured. Anyway 2 years along and having paid £45 a month on the phone contract and £7.99 a month on insurance she lost her phone on a night out. We called the insurance company they put through the claim, mentioning nothing about not being covered for accidental loss, making her wait 3 days and then after her calling this morning they said that loss wasnt covered on her insurance. So after havin paid £7.99 a month for 2 years they wont even replace a standard loss!! Any Ideas or help would be gratefully appreciated. Thanks.

Hi pete

Welcome to CAG

The guys will advise as soon as they are available.

Thread moved.

You will need to get the terms and conditions of the insurance policy. If you find that it doesn't cover the loss - then the next thing you should try doing is challenging the existence of the insurance at all on the basis that it was mis-sold to you.

Lots of people buy phones and then find that insurance has been added without their knowledge. You would need to send them an SAR in order to get hold of your original application form.

The only thing is that they might argue that by trying to claim on the insurance, you effectively accepted it and therefore you have no basis for claiming that it was mis-sold and that you are entitled to a refund.

Yes I think some of the cheaper phone Insurances don't cover accidental loss of the phone itself. This would prove too costly for Insurers, as people would just lose the phone, to get a new one.

Has she got Home Insurance, which covers accidental loss away from home ? Depending on the excess and future potential increases in premium, it might be worth claiming on such cover.

Trying to get a refund for missold phone Insurance would be difficult. A Direct Debit or continuous payment authority would have had to be signed up to, so that they could collect the payments. As Bankfodder suggest, see if you can get hold of the application for this.