Mobile Phone insurance

lostandconfused · 06-02-2008, 20:48

Hi all, am after some advice from you guru's!

Over the weekend i washed my phone and its completly nackered.

I have phone insurance that came with my bank account, so i phoned them and they have sent me a claim form in the post. In the letter it says i have to have proof of purchase for the claim to be processed.

I bought the phone over a year ago, so havent kept the reciept. I phoned the bank and explained, and they said that i could speak to the network and they would be able to provide it (they couldnt)

I have checked the terms and conditions and it doesnt say that i have to have proof of purchase and i wasnt told this when agreeing.

Am i in the wrong here? Or should i put a complaint in? I dont want to go to all the hassle of writing letters if i dont have a chance of either a replacement phone or my monthly fee that i've paid

MikeyB · 06-02-2008, 21:24

I would have thought you'd need proof of purchase, how else can you prove it's your phone, and not one you've "found" and trying to pull a fast one?

lostandconfused · 06-02-2008, 21:25

Quote:

Originally Posted by MikeyB

I would have thought you'd need proof of purchase, how else can you prove it's your phone, and not one you've "found" and trying to pull a fast one?

I did have to register my phone with them when i first took out the service, giving them the emi number etc

SMHarman · 06-02-2008, 21:55

How did you buy it, cash, credit card, debit card. Do you have the bank statement or credit card bill or could you go back to that issuer to get a copy statement.

WHISTLED · 06-02-2008, 22:00

Which bank is it? Ive claimed twice off my LLoyds provided policy and never had to provide POP although it was also mentioned and i think is in the terms.

Is it pay as you go as its aimed at those i believe... Contract phones are probably different

tweetypie/8 · 07-02-2008, 00:27

Quote:

Originally Posted by MikeyB

I would have thought you'd need proof of purchase, how else can you prove it's your phone, and not one you've "found" and trying to pull a fast one?

makes good sense.

07-02-2008, 07:18

Quote:

Originally Posted by lostandconfused

Hi all, am after some advice from you guru's!

Over the weekend i washed my phone and its completly nackered.

I have phone insurance that came with my bank account, so i phoned them and they have sent me a claim form in the post. In the letter it says i have to have proof of purchase for the claim to be processed.

I bought the phone over a year ago, so havent kept the reciept. I phoned the bank and explained, and they said that i could speak to the network and they would be able to provide it (they couldnt)

I have checked the terms and conditions and it doesnt say that i have to have proof of purchase and i wasnt told this when agreeing.

Am i in the wrong here? Or should i put a complaint in? I dont want to go to all the hassle of writing letters if i dont have a chance of either a replacement phone or my monthly fee that i've paid

I've got phone cover through Barclays and when I smashed my phone in a fit of rage a few monhs ago they replaced it within 2 working days without the need for a proof of purchase.

lostandconfused · 07-02-2008, 08:02

Im with the wrong bank then! its the halifax.
It was bought as a pay as you go with cash when i broke my last one and didnt have insurance.

I understand that they would need to make sure that i didnt just pick up a broken one from the street, but i registered the phone with them over six months ago, so would have thought that would have been enough.

Owel lesson learnt

Shaun · 07-02-2008, 11:32

Subject access request from the Telco provider?