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O2 Phone Insurance is what confuses new buyers while making any O2 purchase.
As a new buyer, it is often confusing whether to go for it or not. Most people are concerned more about the coverage issues, claims, and replacements while purchasing any mobile insurance.
"A Mobile Device is an integral part of our life. Loss or damage can severely frustrate people. Mobile insurance can come handy in this situation".
In this O2 Phone Insurance review, we will discuss the key aspects that you must know as a buyer. Is it any Good?
This review will include coverage, exclusions, claim process, and replacements information to help you make a correct decision!
So, let’s get started.
O2 Insure is an insurance plan from the reputed O2 Company of the United Kingdom.
This company is authorized and regulated by the Financial Conduct Authority (FCA) to sell a mobile phones and connected device insurance.
O2 Insure is for the mobile users who want to protect their device from damage, loss, or theft. Also, the service is extended to the whole world. Hence, you need to worry while traveling abroad.
In the event, your phone gets lost outside the country, the company will make arrangements to deliver you a new replacement phone.
The plans are extensive and vary from the types you want to choose. The company provides next day replacement/Exchange of devices. Moreover, they also cover protection for accessories.
The company has kept things simple and come up with two coverage types. One is Damage cover while the other being full coverage.
As the name suggests, this plan covers any damage to your phone. This will include repair to your device that got accidentally damaged. This plan includes the following protection:
The damage cover plan is limited to some extent. It does not cover loss or theft of your device. Hence, if you want more extensive protection you can opt for the full coverage plan.
The benefits of this plan include the following:
Hence, you need to decide which protection plan you need to purchase according to your requirements. The full coverage plans seem to have more protection for users compared to the other plan.
We believe this part is what you should know more. All insurance companies tend to show what they cover and their plans.
But hardly you will find any information about non-coverage being shown other than in hidden terms and conditions page.
Hence, this review will be incomplete without knowing the non-coverage part. As per the Company’s terms and conditions, the following damages or thefts are not insured:
The price of insurance depends on the type of mobile you are purchasing. You need to choose the plan and inform the company.
If you are unsure you can take the help of an advisor also. Normally the monthly price of the plans are as follows:
Damage Cover Plan
£3 - £9
£6 - £15
£10 - £60
Next-day Exchange Excess
£25 - £90
The final negotiated amount will reflect in your welcome letter. You need to pay this fee along with your monthly plan as per your agreement.
The difficult part of any Insurance cover is the claim part. Remember in all cases you need to raise the claim within 14 days of the event.
Let us know how easy it is to raise a claim in both plans.
To claim a damaged device, you need to do the following:
This is quite simple and just needs to be sure that there is a fault in your device and that is not done by you. The claim process is as follows:
For loss and theft you need to do one extra step is to raise a crime reference number with police. The process of claiming is:
Their cancellation like other insurance providers is strict on what we observed during our research.
To cancel O2 Phone Insurance you must follow these pre-set rules by the company:
1. Cancellation Within 14 Days. If you are not happy with the product and want to cancel within the first few days, you can do it.
You just need to contact their support staff within 14 days. You will full refund of the initial premium that you paid
2. Cancellation After 14 Days. If the period of 14 days has elapsed and still you want to cancel, you can do it.
Quick Fact. You just need to inform the company and give them a 30 days’ notice period. Any advance premium paid will be refunded.
The delivery of your replacement phone will depend on the plan you have opted for. If you have taken the standard plan it will take 3 – 5 days to deliver a replacement phone.
For next day replacement or exchange, you need to contact the company before 7 pm on a weekday excluding Sundays and holidays.
The coverage starts on the date as mentioned in your welcome letter. Also, you need to make the first premium to activate the claim and start your coverage.
O2 Phone Insurance or O2 Phone Insure is an added advantage that subscribers can take to enjoy worry free time.
The claim process is a bit lengthy and you must keep the 14 days’ time period in mind.
Also, we observed that the next day replacement or exchange price does not seem genuine. It should have been included free for all users.
Overall, the Company and its claim process look great and we recommend it.