Insurance

[Dolby]

I got my S3 a few months ago - just after a colleague has dropped his I saw it shatter.

Slightly worried now, I asked about insurance and if they'd cover if I dropped it (user error) and she told me yes. I double and triple checked she understood and she told me it would be covered. I took insurance ... R150.00.

But now I need to query :

a) That's pretty high - if I go through my own household insurance and specify, would it be cheaper? Would they cover me dropping the phone?

b) Was she correct - would they cover if I dropped it?

 

[Sinbad]

I got my S3 a few months ago - just after a colleague has dropped his I saw it shatter.

Slightly worried now, I asked about insurance and if they'd cover if I dropped it (user error) and she told me yes. I double and triple checked she understood and she told me it would be covered. I took insurance ... R150.00.

But now I need to query :

a) That's pretty high - if I go through my own household insurance and specify, would it be cheaper? Would they cover me dropping the phone?

b) Was she correct - would they cover if I dropped it?

Cover under your household policy's all risks section. Guaranteed cheaper, and yes they cover accidental damage.

 

[Frikkenator]

Cover under your household policy's all risks section. Guaranteed cheaper, and yes they cover accidental damage.

Indeed, just make sure it's all risk.

 

[chrisc]

And find out if there is a specific excess for mobile phones. On mine it is R 150,00 (Santam). Scratches are excluded

 

[Sinbad]

And find out if there is a specific excess for mobile phones. On mine it is R 150,00 (Santam). Scratches are excluded

On mine, no excess. Dropped an iPhone 3GS, they replaced the screen, paid in full.

 

[Freaksta]

Interesting, is it not easier to self insure on something like this, yes the phone is expensive, but I know for me in all the years I've owned a phone I've damaged / broke one! Rather just save R300 for the next 20 months and keep it as insurance.

 

[Wag]

With budget, insure my Galaxy s3 for 7k and wife BB 9900 for 6k with R 900 excess. Premium R70 pm.

 

[Dolby]

Interesting, is it not easier to self insure on something like this, yes the phone is expensive, but I know for me in all the years I've owned a phone I've damaged / broke one! Rather just save R300 for the next 20 months and keep it as insurance.

Usually I would.

But after seeing a friends shatter, I got a little nervous. I too have never lost or dropped a phone - but my luck I do it with a fragile, expensive phone

Thanks for the replies!