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Author Natwest Phone Insurance
James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
24th Sep 12 at 15:11   View User's Profile U2U Member Reply With Quote
I have a bank account that includes Natwest Phone Insurance. This phone insurance was probably the biggest selling point for the premium bank account. It was sold with the tagline "Even covers iPhones.....". This is a quote from their website:

quote:
Great cover for your mobile, iPhone or BlackBerry
Advantage Gold mobile phone insurance looks after your mobile, wherever you are in the world. It covers your registered phone against loss, theft, damage, breakdown and unauthorised calls.
You can even register an iPhone, BlackBerry or PDA. They’re all included up to a maximum original retail value of £1000 for each phone.


Now I need to make a claim, I've looked into it in a bit more detail and found the following.

quote:
Due to Apple having restricted stock we are unable to supply new or quality refurbished iPhones. If you opt not to accept an alternative phone then we offer a cash settlement equal to the value of a refurbished iPhone. This will be less than the cost of a new iPhone.


I'm actually amazed that they can do this. So really it's not proper insurance at all?

Do I have a leg to stand on?
willay
Moderator
Organiser: South East, National Events
Premium Member

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Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
24th Sep 12 at 15:17   View Garage View User's Profile U2U Member Reply With Quote
kick up so much stink they don't know what hit them.
James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
24th Sep 12 at 15:24   View User's Profile U2U Member Reply With Quote
The comment about Apple having restricted stock is clearly utter bollocks?
thegsi
Member
Registered: 3rd Feb 07
Location: Kidderminster Drives: Evo (you can't afford one)
User status: Offline
24th Sep 12 at 15:27   View User's Profile U2U Member Reply With Quote
Oooh glad you posted this as I have the same policy. Advantage Gold yes? The Green Flag cover isn't worth the paper it's printed on either. Told them I had an Evo and they said, sorry we don't offer breakdown on those?! :@
James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
24th Sep 12 at 15:36   View User's Profile U2U Member Reply With Quote
Yep Advantage Gold. My Green Flag cover has only been used once when my battery died in the cold weather. That was fine.

I'll definitely be taking my custom elsewhere. Although I've been really impressed with Natwest in general.
John
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Registered: 30th Jun 03
User status: Offline
24th Sep 12 at 15:55   View User's Profile U2U Member Reply With Quote
Wouldn't surprise me if Apple do restrict the refurb stock. Force cash refunds instead so people can buy new phones.
James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
24th Sep 12 at 15:57   View User's Profile U2U Member Reply With Quote
But why do the insurance company use refurb stock, shouldn't they be using brand new stock?

[Edited on 24-09-2012 by James]
John
Member
Registered: 30th Jun 03
User status: Offline
24th Sep 12 at 16:09   View User's Profile U2U Member Reply With Quote
Nup, normally refurbs.
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
24th Sep 12 at 16:41   View User's Profile U2U Member Reply With Quote
my dads friend just got a refurbished iphone from halifax phone insurance.

load of shit really, and you have to wait ages rather than next day from a proper mobile company.
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
24th Sep 12 at 16:44   View User's Profile U2U Member Reply With Quote
Orange insurance use refurbs.

Not uncommon.

GF has barclays mobile insurance, brok her N97, claim took a couple of weeks but they sent her through a brand new boxed N97 still sealed.
Bonney
Member
Registered: 14th Nov 04
Location: St Helens
User status: Offline
24th Sep 12 at 16:48   View User's Profile U2U Member Reply With Quote
Its to do with costs, They charge you top price for the insurance, then they get in broken phones, say it can't be repaired when it can then send out one they have refurbed. Then your broken one gets repaired and sent out to someone else, ust a big cycle really.
John
Member
Registered: 30th Jun 03
User status: Offline
24th Sep 12 at 16:50   View User's Profile U2U Member Reply With Quote
How is it cheaper to send out someone else's fixed phone than your own fixed phone? That makes no sense.
Bonney
Member
Registered: 14th Nov 04
Location: St Helens
User status: Offline
24th Sep 12 at 16:54   View User's Profile U2U Member Reply With Quote
Turnaround times i think. In some cases its easier just to say its fucked than to actually fix them. So a refurb gets sent out then your phone is repaired with parts they have in stock (They usually go to the manufacturer to be done) then sent back to the insurers.
CORSA NUT
Member
Registered: 3rd Aug 01
Location: Wirral
User status: Offline
24th Sep 12 at 17:30   View User's Profile U2U Member Reply With Quote
Oooh good spotting fella I have the same policy etc

 
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