Mobile phone insurance beware!

festas_shin

Active member
I have had insurance for a couple of years through insurance to go as it was recommended through the Martin Lewis site.
However have recently tried to claim for a lost phone and they have rejected the claim because the device was used on the network 1.5 days before being reported stolen.
I work at home and am always on WiFi rather than my mobile data so there may be frequent gaps between uses but I don't see why that should cause a genuine claim to be rejected.
So just to make you aware of this small print clause should you be thinking of which insurance to take out.
I'm now stuck paying for a handset for 18 months that I no longer have. What is the point of even bothering with insurance 😡
 
Yeah I'd be querying that. Of course its on the network if stolen, they aren't just using it as mantelpiece ornament.
 
I don't understand the clause you're describing. Can you post the small print or clause they are relying on?

Have you lodged a formal complaint? Doesn't sound right
 
I don’t see how those clauses cover what you’re saying. Surely your network provider can give you a log off apps used, incoming or outgoing calls, texts mail being used etc to show it was being used regularly.
 
I don’t see how those clauses cover what you’re saying. Surely your network provider can give you a log off apps used, incoming or outgoing calls, texts mail being used etc to show it was being used regularly.
The network provider can't provide non sim related activity like WiFi etc as I've tried to get that
 
Make a complaint first to the company who then have 8 weeks to get back to you. If you are not satisfied with the response then escalate it to the Communications/Financial Ombudsman.
 
Make a complaint first to the company who then have 8 weeks to get back to you. If you are not satisfied with the response then escalate it to the Communications/Financial Ombudsman.
This was what I was going to move on to. Give them a formal complaint and then escalate. This sounds unreasonable and you'll be able to evidence your claim relatively straightforwardly.

Balance of probabilities etc. It's an onerous condition
 
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