where to get mobile phone insurance?

[Ext User(Jonathan Wilson)]

Everyone else in the family has insurance on their mobile phones which they
got when they got their phone packages (some with optus and some with telstra).
I now have my own phone (with telstra prepaid plus) and want to get
insurance for it (so that if e.g. it gets stolen, I can get a replacement).

I do know that making a claim costs excess but it would be cheaper than
buying a totally new phone (especially at full retail for the phone I have
now).
Anyone know where to get this insurance from? (the people at the telstra
shop havent a clue)

[roma]

You should be able to get your contents insurance to cover your phone.
Other than that I don't know.

P.S. People at Telstra shops generally have no clue.

Roma
RSSMobile

[Ext User(Wally Walpamur)]

"Jonathan Wilson" <jonwil@tpgi.com.au> wrote in message
news:43da2042@dnews.tpgi.com.au...
> Everyone else in the family has insurance on their mobile phones which
> they got when they got their phone packages (some with optus and some with
> telstra).
> I now have my own phone (with telstra prepaid plus) and want to get
> insurance for it (so that if e.g. it gets stolen, I can get a
> replacement).
>
> I do know that making a claim costs excess but it would be cheaper than
> buying a totally new phone (especially at full retail for the phone I have
> now).
> Anyone know where to get this insurance from? (the people at the telstra
> shop havent a clue)
>

Forget it! It's a complete crock! There was a very good going-over of these
scams in Choice magazine recently. They charge a stiff excess, often more
than the replacement cost of a new phone, and are very difficult to get any
kind of replacement out of.. often they guarantee to replace only your
current model, often you get a 'refurbished' model.

[Ext User(A User)]

On Sat, 28 Jan 2006 11:21:18 +1100, "Wally Walpamur"
<wally@wallyworld.com.au> wrote:

>
>"Jonathan Wilson" <jonwil@tpgi.com.au> wrote in message
>news:43da2042@dnews.tpgi.com.au...
>> Everyone else in the family has insurance on their mobile phones which
>> they got when they got their phone packages (some with optus and some with
>> telstra).
>> I now have my own phone (with telstra prepaid plus) and want to get
>> insurance for it (so that if e.g. it gets stolen, I can get a
>> replacement).
>>
>> I do know that making a claim costs excess but it would be cheaper than
>> buying a totally new phone (especially at full retail for the phone I have
>> now).
>> Anyone know where to get this insurance from? (the people at the telstra
>> shop havent a clue)
>>
>
>Forget it! It's a complete crock! There was a very good going-over of these
>scams in Choice magazine recently. They charge a stiff excess, often more
>than the replacement cost of a new phone, and are very difficult to get any
>kind of replacement out of.. often they guarantee to replace only your
>current model, often you get a 'refurbished' model.
>
>

Scams? Insurance isn't a scam. You are made an offer, you accept or
reject it. If you have a big excess, it's because you've have a
discount on your policy. You can have a smaller excess for an
additional fee.

When your phone is under warranty, fails and can't be repaired you get
a refurbished one to replace it. Why should you get new for old
replacement on insurance?

Personally, I take the risk. I could live with a cheaper, pre paid
phone from the same carrier if I lose one. I keep mine near me, like
my wallet.

[Ext User(Rod Speed)]

A User <other-news@usa.net> wrote
> Wally Walpamur <wally@wallyworld.com.au> wrote
>> Jonathan Wilson <jonwil@tpgi.com.au> wrote

>>> Everyone else in the family has insurance on their mobile phones
>>> which they got when they got their phone packages (some with optus
>>> and some with telstra).
>>> I now have my own phone (with telstra prepaid plus) and want to get
>>> insurance for it (so that if e.g. it gets stolen, I can get a
>>> replacement).
>>>
>>> I do know that making a claim costs excess but it would be cheaper
>>> than buying a totally new phone (especially at full retail for the
>>> phone I have now).
>>> Anyone know where to get this insurance from? (the people at the
>>> telstra shop havent a clue)
>>>
>>
>> Forget it! It's a complete crock! There was a very good going-over
>> of these scams in Choice magazine recently. They charge a stiff
>> excess, often more than the replacement cost of a new phone, and are
>> very difficult to get any kind of replacement out of.. often they
>> guarantee to replace only your current model, often you get a
>> 'refurbished' model.
>>
>>
>
> Scams? Insurance isn't a scam. You are made an offer, you accept or
> reject it. If you have a big excess, it's because you've have a
> discount on your policy. You can have a smaller excess for an
> additional fee.
>
> When your phone is under warranty, fails and can't be repaired you get
> a refurbished one to replace it. Why should you get new for old
> replacement on insurance?

Because that's what some prefer and is what some insurance offers.

> Personally, I take the risk.

Yeah, I do to.

> I could live with a cheaper, pre paid
> phone from the same carrier if I lose one.

I couldnt, I use the fancy stuff in my current handset every time I use it.

And I have the last two lying around doing nothing too.

> I keep mine near me, like my wallet.

Yeah, I keep mine in my pocket, very small risk of theft.

[Ext User(MJT)]

Wally Walpamur wrote:

> difficult to get any kind of replacement out of.. often they guarantee
> to replace only your current model, often you get a 'refurbished' model.

Ah yes, the old "refurbished model" trick. I fell for that once. Bought
a Nokia 6310i that was refurbished off Ebay. It lasted oh, about 2 weeks
outside of the seller's "warranty" period til it failed.



--
"I made my fortune the old fashioned way. I inherited it!" - Malcom Forbes

[Ext User(A User)]

On Mon, 30 Jan 2006 16:13:28 +1100, MJT <mjpt57@yahoo.com.au> wrote:

>Wally Walpamur wrote:
>
>> difficult to get any kind of replacement out of.. often they guarantee
>> to replace only your current model, often you get a 'refurbished' model.
>
>Ah yes, the old "refurbished model" trick. I fell for that once. Bought
>a Nokia 6310i that was refurbished off Ebay. It lasted oh, about 2 weeks
>outside of the seller's "warranty" period til it failed.

Of course your single experience sets the standard for the whole
industry.

[Ext User(Rod Speed)]

MJT <mjpt57@yahoo.com.au> wrote
> Wally Walpamur wrote

>> difficult to get any kind of replacement out of..
>> often they guarantee to replace only your current
>> model, often you get a 'refurbished' model.

> Ah yes, the old "refurbished model" trick. I fell for that once.
> Bought a Nokia 6310i that was refurbished off Ebay. It lasted oh,
> about 2 weeks outside of the seller's "warranty" period til it failed.

Mine has lasted years now.

Yes, there is always a risk of an undiagnosed
fault with refurbs but it isnt that common.

[Ext User(Michael)]

"roma" <roma.22b3qf@no-mx.phorums.com.au> wrote in message
news:roma.22b3qf@no-mx.phorums.com.au...
>
> You should be able to get your contents insurance to cover your phone.
> Other than that I don't know.
>
> P.S. People at Telstra shops generally have no clue.

Because they dont offer handset insurance, thats YOUR business, not theirs
>
> Roma
> RSSMobile
>
>
> --
> roma

[Ext User(Michael)]

"Jonathan Wilson" <jonwil@tpgi.com.au> wrote in message
news:43da2042@dnews.tpgi.com.au...
> Everyone else in the family has insurance on their mobile phones which
they
> got when they got their phone packages (some with optus and some with
telstra).
> I now have my own phone (with telstra prepaid plus) and want to get
> insurance for it (so that if e.g. it gets stolen, I can get a
replacement).
>
> I do know that making a claim costs excess but it would be cheaper than
> buying a totally new phone (especially at full retail for the phone I have
> now).

Its not worth it

[Ext User(MJT)]

A said....

>>Ah yes, the old "refurbished model" trick. I fell for that once. Bought
>>a Nokia 6310i that was refurbished off Ebay. It lasted oh, about 2 weeks
>>outside of the seller's "warranty" period til it failed.
>
> Of course your single experience sets the standard for the whole
> industry.

Show me where I said that it did. I am merely pointing out that it
happened to me. And because of that, I'm wary of buying any more
"refurbished" mobile phones, particularly when new ones are considerably
cheaper these days.


--
Flying is the 2nd greatest experience known to man. Landing is the 1st.