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"If you lost something, that's potentially covered by insurance, would you somewhat assume you're negligent, as you may have put it down somewhere etc but you just don't know and can't recall exactly? Have you ever claimed for losing something? I lost my mobile a couple of days ago and just assume that the insurer will claim negligence, as I don't recall to the minute, after it wasn't in my hands. Am I being reasonable? " If it wasn’t pinched then yes I’d presume they’d put it down as ‘lost’. Is it worth claiming on the insurance…1 claim makes your next premium much higher? | |||
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"If you lost something, that's potentially covered by insurance, would you somewhat assume you're negligent, as you may have put it down somewhere etc but you just don't know and can't recall exactly? Have you ever claimed for losing something? I lost my mobile a couple of days ago and just assume that the insurer will claim negligence, as I don't recall to the minute, after it wasn't in my hands. Am I being reasonable? If it wasn’t pinched then yes I’d presume they’d put it down as ‘lost’. Is it worth claiming on the insurance…1 claim makes your next premium much higher? " It's potentially not going to increase premiums I'd pay. It's more that I don't know how I got to lose it, whether it fell from my pocket etc. Perhaps I did put it down. But I assume that they'll view me as negligent, for example. As you can probably tell, I've never made any claims for anything and have no experience. | |||
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 ) anything and you may come out of it a winner.  | |||
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"I lost my mobile a couple of days ago" Have you tried "Find My Device" (Android/EMUI/MagicOS) or iCloud if it was an Apple device? | |||
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"Does your policy cover loss specifically? What's your excess and is it an amount that makes it worth worth claiming? You can always ask them how claiming for loss will affect future premiums or any excess without making a claim. What's the point of an insurance policy if you don't claim against it when necessary? " This might sound odd but once started a conversation with them about a possible claim and did not procceed but still went on record and affected the renewal. Not sure how or why.  | |||
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"Does your policy cover loss specifically? What's your excess and is it an amount that makes it worth worth claiming? You can always ask them how claiming for loss will affect future premiums or any excess without making a claim. What's the point of an insurance policy if you don't claim against it when necessary? This might sound odd but once started a conversation with them about a possible claim and did not procceed but still went on record and affected the renewal. Not sure how or why. "Now you've said that I think you're right. I wonder if you need to qualify a question by making it clear you don't want it on record. | |||
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"Does your policy cover loss specifically? What's your excess and is it an amount that makes it worth worth claiming? You can always ask them how claiming for loss will affect future premiums or any excess without making a claim. What's the point of an insurance policy if you don't claim against it when necessary? This might sound odd but once started a conversation with them about a possible claim and did not procceed but still went on record and affected the renewal. Not sure how or why. "This happen to me a few years ago. I had a slight parking misjudgement, swapping paint with the car next to me. The owner was walking back from the ticket machine so swapped details as you do. I informed my insurance company that they might be contacted by the other party's insurance and that I wouldn't be claiming as I'd polished out the scrape. Turns out the other guy didn't bother claiming etc but it was on my record as having an accident / claim even though there was no record of a third party claim or any costs 🤦🏼 It took me ages of back & forth calls to get it wiped from the records 🤦🏼 | |||
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"I lost my mobile a couple of days ago Have you tried "Find My Device" (Android/EMUI/MagicOS) or iCloud if it was an Apple device?" Thanks and to everyone who's posted
I did a find my device and it showed it as at the place, a courtesy car was given to me and I was returning it at. The battery was quite low and it's not showed anywhere since. I've disabled it. The SIM card didn't get any usage on it either. I can see the benefits of if it had been an ESIM now.
The phone cover is an included benefit of a bank account I have. Excess £100 
I was curious mostly as I know they all exclude as much as they can and I feel that just losing something is largely likely to be viewed as negligent.
I was probably distracted by having to return a car, so my attention was elsewhere. | |||
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"Having worked in the phone insurance industry, this is a difficult one.. insurance companies will always try to avoid paying out, they even spend money in some cases as not to set a precedent.. in your case it's difficult for two reasons, 1 you may have dropped it or lost it, you will need to go to the police to obtain a lost property number(your insurance may cover you for this) however it will be considered as negligence as far as the insurer is concerned. 2 it may well have been taken, you will then have to make a statement to police (where,when etc) when you last seen it and why you think it was taken ( unless absolutely sure, hard to prove though) in order to obtain a crime reference number. I guarantee the police aren't interested in pursuing it (unless you're a wealthy person or celebrity). It will then be down to the insurer to pay out or not, sometimes it's best not to claim as premium goes up( depending on value of phone). Its a tough call, you just have to weigh up the options...phone insurance works well for repairs or irreparable damage but not necessarily for missing phones... Good luck!👍" Thanks. I've got difficult family health problems at the moment, so I'm inclined to leave it for a while, as I'm so clueless about what happened. | |||
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"Having worked in the phone insurance industry, this is a difficult one.. insurance companies will always try to avoid paying out, they even spend money in some cases as not to set a precedent.. in your case it's difficult for two reasons, 1 you may have dropped it or lost it, you will need to go to the police to obtain a lost property number(your insurance may cover you for this) however it will be considered as negligence as far as the insurer is concerned. 2 it may well have been taken, you will then have to make a statement to police (where,when etc) when you last seen it and why you think it was taken ( unless absolutely sure, hard to prove though) in order to obtain a crime reference number. I guarantee the police aren't interested in pursuing it (unless you're a wealthy person or celebrity). It will then be down to the insurer to pay out or not, sometimes it's best not to claim as premium goes up( depending on value of phone). Its a tough call, you just have to weigh up the options...phone insurance works well for repairs or irreparable damage but not necessarily for missing phones... Good luck!👍 Thanks. I've got difficult family health problems at the moment, so I'm inclined to leave it for a while, as I'm so clueless about what happened. " Dealing with insurance companies is so time consuming so if that is the case it might be in your interests to leave. I had a claim where I had to be flown as an emergency back to the UK for treatment from abroad and dealings with the insurance company were horrendous for something that should have been cut and dry. | |||
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"You'll need to check closely what is covered. It didn't even occur to me to try my insurance when my phone broke dammit"
It's not a payment I'd get, just a presumably reconditioned phone, as mine was probably almost 2 years old. It was flawless, in pristine condition. It would be nicer probably, if it had just broken and they'd fix it At least I'd get a nice phone but I'm guessing I'd pay a £100 excess, then get some duff 2nd hand one.  . And that's if I was lucky and not rejected, for not taking reasonable protection of my property. | |||
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