By Mark Tennent in Reader
Posted in Uncategorized on June 11, 2010 at 5:18 pm
Everyone knows cellphone insurance is a rip-off, or is it?
Our household insurance is due next month so we have begun to look for the right policy at the right price. Cheltenham and Gloucester, who currently supply our mortgage, want us to pay nearly £1000 for buildings and contents. One would imagine they would be keen to grab our custom because currently our mortgage rate is 0.18% above base rate, meaning they make zilch from us. And we won’t be buying their insurance at that price either, it is almost double any other quote we’ve received.
The current policy protecting everything we own, doesn’t include an all-risks extension for our iPhones. To add that will cost £60 and then we have to pay the first £100 of any claim. Which means a replacement iPhone will cost £160. Annual insurance on my cellphone contract costs £120. If I need to replace my phone in the first year I’m £40 up.
Even if I lose my phone in the next year it will cost £220 (£100 plus £60 plus £60) compared with £240 for two annual insurances from my cellphone contract supplier. Obviously, in year three, insuring the iPhone in the household policy will cost £280 (£100 plus 3 annual extensions) compared with £360 from the cellphone company.
On the other hand the household option will cover two iPhones and there is no guarantee that the all-risks extension and initial part of each claim will stay at £60 and £100. I will also have to pay out for the phone in advance before claiming back from my insurance company, whereas the cellphone insurance will send a replacement phone by same day courier.
So is it a rip-off or not?
And another thing
My brother rang the last night to ask whether I can get onto the Apple website from my work PC. This seemed a strange question but he told me that his work PC seems to be blocked. Today he rang his company’s IT guy, who was working from home.
The IT man also thought it a strange question until he tried to get onto Apple’s site and found it was also blocking him. This was on his home domestic ADSL line from his work laptop. Then he logged into his neighbour’s wireless network which let him into Apple with no problem. Finally he logged into his work server and tried to get onto Apple’s site, with no success again.
He has since fixed the problem by switching DNS which were all at default after installing Windows Server. The only common facet for the computers is they are all Hewlett Packards.
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