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Originally Posted by tsh It's not usually worth insuring something you can afford to pay for yourself. i.e, insure your house, cause you can't afford 100k to re-build it, but don't insure your phone or pets if you can afford to spend £100 without having to save up for it. |
You haven't had to take a pet to the vet's recently then?
Isn't a mobile phone normally covered under Personal Possessions cover for your house? Yes there would be an excess but then again if you are paying say £5 per month thats £60 per year anyway.
And note - if you have separate mobile phone insurance and its also covered under your house insurance this is then 'dual insurance' - both are liable to pay out on any loss, so they may share - the mobile phone insurance co may contact your home insurance co to get them to contribute to what they have paid you for the claim. This certainly happens with travel insurance - ie if you put a claim on your travel insurance they pay you, then claim part of that back from your household insurers or vice versa.
(Used to be a insurance claims handler).