Mobile Phone Insurance Review

Endsleigh

Ensleigh mobile phone insurance policy is very ambiguous from its website. It does not show clear and full Terms & Conditions. Why?

That said, it does offer clear summarised versions of the Terms & Conditions. Quite why they do not also give you the FULL T&Cs is unclear.

Inclusions
Any policyholder aged 21 and over
Accidental Damage - repair or replacement to the same or similar specification, up to a maximum of £350.
Accidental Loss - replacement to the same or similar specification, up to a maximum of £350.
Theft - Replacement to the same or similar specification, up to a maximum of £350.
Airtime Abuse - for unauthorised calls we will pay up to £150 for contracted phones and we will pay up to £5 for Pay as You Go phones.
European Cover - throughout Europe, 24 hours a day 365 days a year.

Summary Of Principal Exclusions
The first £25 of each and every claim
Any policyholder under the age of 21
Cancellation - there is no refund following cancellation
Theft from unattended vehicles, unless concealed in a looked boot or glove compartment and security systems are activated
Theft from a convertible unless concealed in a locked boot
Theft of phone if left unattended
Any mobile phone purchased outside the UK

For a one off annual payment of only £45 per year, Endsleigh Mobile Phone Insurance offers cover for your phone against Accidental Damage, Accidental Loss and Theft. Should you phone fall into the wrong hands, Endsleigh will also cover your phone against Airtime abuse. What's more the policy doesn't just limit the use of the owner, it also covers your partner or spouse when they are using the phone, so long as they live at the same address.

"Full terms and condition will be sent with your policy. On receipt, please read it carefully. If your are not entirely satisfied, reurn it to us within 14 days of receipt for return of the premium paid in full - subject to you having no claims in the meantime." Why not simply put the full T&Cs online so you can read them BEFORE you buy?

Underwriters
This policy is underwritten by Pinnacle Insurance plc, Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. A specimen policy is available on request. The policy is governed by English law and it contains full details of the procedure to follow in the event of any complaint. Endsleigh are an independent intermediary regulated by the British Insurers Code of Practice.

http://www.endsleigh.co.uk/frames_mobile_phone.html

Endleigh cost 32 pounds to insure Nokia 8310

In its absence, please choose from the other Mobile Phone Insurance reviews.

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© Copyright D H Elliott 2003

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