I STOOD ON MY XDA EXEC :: Q's about insurance

[Carll]

Hi I have looked on the forums and have found a bit about phone insurance. I stood on my XDA exec ( I know what a c**k) its knackered. The screen has popped the silver bit on the back has come up in one corner and the flip / rotate mech snapped so the screen flaps about in the wind.

Yes I was drunk
Yes I am stupid
Yes I have made a claim.

I have sent it in today to LSG (lloyds tsb phone insurnace). From looking at other web sites my concerns are as follows :-

1) They will not be able to get the parts to repair the exec.
2) If they replace my phone they will not be able to get an O2 one (I know the imate is the same but I like it in black).

From what I have read elsewhere people have had a real issue getting top of the range PDA's fixed (unless its by the network insurance when they mostly get new ones) Most of the time people get offerd a cash settlement.

Has anyone else claimed through Lloyds phone insurance or any other 3rd party insurance and got a replacement phone ?

If they want to settle for a cash sum. How much should it be ??

any help on this would be good ???

[Carll]

Have edited my first post to be more specific. Anyone ??

[Carll]

here is the answer to anyone who is interested. they tried to get me to take a nokia n91 or n80. I said no.

told them I wanted an exec or the cash. after about 10mins of holding ect I got a supervisor who tried to tell me how good the 91 was. I still said the same. put on hold again.

they came back on and said your exec is in the post.

here's the deal. full new boxed o2 xda exec.

I got my first on in feb 05. this one feels much more solid. the screen flip is much tighter it has come with new rom installed. seams faster.
phone signal is better.

the whole unit seams much more soild than the first one??

could it have been that my first unit was a recon ?

anyway very happy

[Carll]

:( :( :( :( :(

It seams I spoke to soon. The screen has started to flicker (brown lines jumping all over the place) this is very random but the unit has done it about 5 times now.

It will have to go back.

Can I ask for Cash instead of a new phone ??

[Carll]

Phoned them. Sending it back.

Will make me a cash offer when the get the phone back.

Think im going to go back to Ipaq. Had nothing but problems with this phone.

[andytl]

Hi I have just had my claim paid up by the same insurance (lloyds bank) They told me they do not have any xda replacements and would either give me a nokia n91 or cash settlement I went for the cash they paid me £450 for a xda IIs (ba) £450 is the maximum they pay out so you would more than likely get the same.

[Carll]

I have been informed by a supervisor today that the max they will pay out is £600. They use GSMarena.com to price up what they pay out. Universal costs around 550 - 650 GBP depending on where you look.

The girl on the phone said they will price it on the day the get the damaged one they sent me back. They have 3 suppliers (she would not name them) and they take the average as the units value. I would think they then knock a bit off.

I expect at least £500.

andytl
How quickly did they pay you. I have read on other sites it takes them ages to sort it out.

[andytl]

If you look on there website it states a maximum figure of £450 I doubt they will go over it.

[Carll]

I am a platinum account holder and should be covered up to 600 GPB

We will see I will post when I find out.

[DennisCooper]

Hi!

I've claimed for 2 Xda2i machines that I lost via lloyds TSB insurance which is part of my gold account. each time they've been great at sorting things out for me.

My last claim they informed me they had no replacements and so like others have already mentioned, went for the cash settlement. They paid me £450.

You can only claim twice in every yearly period so I've used up my 'allocation' as it were! I'll ring them next to see when I'm allowed to claim again if needs be. To minimise my risk, I've started carrying my phones in aluminium cases, in my pocket where they cannot fall out and get lost/broke screens again !

I recommend lloyds tsb insurance via lifestyle services group - quick hassle free insurance !

Cheers! Dennis! West London UK!!

[Carll]

Well got the call today. £569.00 offered and taken.

Going to jump ship to ipaq hw6915 here I come.

Ill no doubt be back.