| Mobile Phone Insurance FAQs |
mobile phone insurance
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According to statistics, last year there were 1.3 million mobile phones stolen in Great Britain. That means that mobile phone theft now accounts for nearly a third of all robberies reported to the police. 1.3 million mobile phone thefts a year! That is one every 24 seconds making mobile phone theft Britain's fastest growing offence. Frustrating and costly, bearing in mind that few items we routinely carry cost more to replace than a mobile phone.
Equally, you may believe that the likelihood of damaging your phone is minimal. However, the majority of claims received actually relate to either external or internal phone damage, where the phone has been dropped or knocked and the cost of repair can easily be as high as the cost of a replacement, colour screen alone can cost £200.
Your Citymain administered policy provides you with immediate cover and no 'tie in'. This means that you can keep your policy in place for as long as you need it and our dedicated claims line will ensure you recieve a quick and efficient turnaround of repair or replacement. If your question has not been answered below, please call our Customer Care Centre on : 0844 576 2300
Why should I buy Mobile Phone Insurance?
The free or subsidised phone you purchased when you signed a twelve month contract with your Network or retailer, can cost up to £1000 to replace if lost stolen or damaged. You will only have paid a fraction of that cost because the Network will have discounted your handset in exchange for your signing either a 12 or 18 month contract.
With our mobile phone insurance policies you are comforted by the fact that, should you experience a problem, and your claim is successful, these high costs will be covered.
How did you obtain my details?
When you purchased your phone provided you have agreed to purchase the insurance option, your bank details are then included within the insurance scheme. The Direct Debit Guarantee is given to you during the sales process detailing all the safeguards of the paperless Direct Debit scheme. We write to each customer confirming the cover and giving confirmation of the Direct Debit set up. On month four, we will collect the monthly premium by direct debit from your account.
How will my premium be collected?
Your premium is collected each month by direct debit.
When does my insurance cover commence?
Providing you have agreed to purchase the insurance option, your phone is covered from when you received your phone from your supplier. Cover continues from month four onwards subject to you having paid the monthly premium by direct debit.
Am I able to benefit from this insurance if I live outside the UK?
Regretfully, the coverage is only available to those people who are permanently resident in the UK. If you reside in any other country such as the United States, we regret that we are not able to provide insurance. In you are a UK permanent resident, you are covered for up to 30 days world-wide in any one year.
What am I covered for?
This policy covers you for Mechanical Breakdown, Theft and Accidental Damage
Why shouldn’t I cover this under my household insurance?
You have a dedicated insurance policy especially for mobile phones ensuring rapid replacement or repair of your handset once your claim has been accepted. Household policies often have a much higher excess and a claim for your mobile phone will more than likely affect your no claims bonus.
How do I obtain a claim form?
You should either contact us using the claim line number which is detailed on your policy document or you can telephone our Customer Care Centre on 0870 458 7002
How long is my claim likely to take?
All paperwork is processed in our office on the same day as it is received. If you are expecting a replacement item, please allow 3 working days. For repairs, please allow 10 working days.
Will I get the same phone when it's replaced?
If your mobile phone has been stolen, and your claim is successful, you will be sent a brand new handset. If your current phone has been superseded by a newer model, you may receive the newer model (subject to supplies of existing model)
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