Phone insurance

[rmj2663]

Not really a phone issue, so I thought to post here.

My lad has dropped his iphone 4 and smashed it. I have insurance through Nat West bank account. Are they likely to replace it if I make a claim, or is it only for stolen phones.
Also, with the excess that is payable, is it worth trying to get it repaired independently.

Thanks

[stevo25]

if its via a advantage gold account
"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."

[lloydi]

I claimed on my natwest adavantage gold mate and they sent a brand new replacement handset, mine was heavily water damaged. It took about 2 weeks but was worth it, the excess is like £30 aint it? I would send it there rather than seek a repairer personally

[rmj2663]

Thanks, guys
Yes it is advantage Gold a/c so will make some enquiries

Cheers

[honestDave]

You registered his phone on your insurance? If you haven't then I'd be surprised if you can claim.

[Mobileman]

Your cover will begin 14 days after you register your details.

http://www.natwest.com/personal/adgo...insurance.ashx

[honestDave]

Exactly mobileman, so I would ensure you register and then wait out your no claims period before making a claim hint hint.

[Mobileman]

Exactly mobileman, so I would ensure you register and then wait out your no claims period before making a claim hint hint.

well i wouldnt suggest insurance fraud

[rmj2663]

his phone insured since last October.
So no fraud or wrong doing.
Just wanted to make sure accidental was covered and asking for any advice / experience.
Thanks for the concern guys - as if I would try anything slightly dodgy

[eblaster101]

I have it on advantage blue as well has phone cover.

[ZX7R]

I have the same insurance and I'm sure that I read that they have to be notified within 48 hours of the damage/loss occurring by letter? Seems a tad strict.