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Why
do I need
mobile phone insurance?
Mobile phone fraudulent calls
Mobile phone fraudulent calls
are the calls made after someone steals your phone. You could find yourself
liable to hundreds of pounds of calls made by someone else on your phone.
In a recent case, a customer was made liable for in excess of £2,000 worth of
calls made after their mobile phone was stolen. They had mobile phone insurance, but
the insurance company did not cover fraudulent calls.
So it is vital that if you want to be covered (to any extent) for fraudulent
calls, that you check the policy terms and conditions for mobile phone
fraudulent call cover.
Many mobile insurance policies claim to cover fraudulent calls, but with a ridiculous
small-print exclusion: they will only pay for fraudulent calls made AFTER you
have reported the phone stolen to your network provider! Well, as soon as you
report your phone stolen to your network provider, they will block the SIM card
which allows calls to be made, so NO fraudulent calls could be made after
it is reported stolen ... so it is a worthless policy clause. It means nothing.
The only "fraudulent call" cover worth having is those that genuinely cover you
for fraudulent calls made after your mobile phone is stolen. Usually, this will
be up to a maximum amount as set in the
Terms & Conditions, but this is far
superior than any alleged fraudulent call cover that only cover you after you
report the mobile phone stolen.
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Mobile
Insurance
