DONT GET O2 INSURANCE!!

[Anonymous]

I have been waiting for longer than a month to get a response from O2 insure regarding whether they will cover the theft of my iphone. 

The insurance clearly states that it will cover the theft of the phone and when it actually happens - they drag their heals and do nothing! TRULY A TERRIBLE SERVICE - once I get a replacement I will be cancelling with them and going back to PROTECT MY BUBBLE as at least they honour their agreements.

[Cleoriff]

Sorry you had a bad experience @Anonymous and yes you need to choose a policy that suits you. If you haven't had the service you expected then you can complain https://www.o2.co.uk/how-to-complain

[Anonymous]

I did get what I thought was the insurance that suited me - 

I thought it was - one where the insurers dont take a month to resolve the issue of your phone being genuinely stolen and make it a decent experience to resolve rather than a drawn out nightmare.

I provided a police report, the full outline of the situation as well as all the additional info requested.

What is the point of insurance if not to safeguard against events like this?

As it is, I have now been without my phone for over a month, I am still paying the insurance and after calling for the 5th time today I was told that no indication of time could be provided for when the claim would be decided upon as it was still being considered.

At the same I am receiving automated emails saying that I haven't provided the information I am requirred to and the claim will be closed in 14 days if I do not provide the information but no disclosure of what the missing info is included in these emails. When I speak to the customer service representative on the phone they tell me to ignore these emails. Very confusing communications.

All in all, a pretty terrible service. 

[Beenherebefore]

---

@Anonymous wrote:

What is the point of insurance if not to safeguard against events like this? 

---

In today's economic climate, the point of insurance is to give you the peace of mind that if anything goes wrong you will be recompensed to enable you to replace the affected item.

In reality, if a claim is made it's the insurance company's job to ensure that the process is made as difficult as possible, to ensure that the T&Cs are complied with and if necessary that the smallest of print allows them to prevent giving you recompense.

Insurance is now a big commercial business not a lifeline on which someone depends as a means of escape from a difficult situation.

[Cleoriff]

^^^^^ that. Cynical maybe. True though....:smileysad:

[jonsie]

I can imagine the morning meetings drinking coffee where the team manager names and shames any team members who approved a claim on the previous day. 

I'll just bet there is a flip chart with a league table and top of the table will be the team with the highest number of rejected claims. 

.... and as usual, savings and profits will be amply rewarded in bonuses all round! 

[Beenherebefore]

---

@jonsie wrote:

I can imagine the morning meetings drinking coffee where the team manager names and shames any team members who approved a claim on the previous day. 

I'll just bet there is a flip chart with a league table and top of the table will be the team with the highest number of rejected claims. 

.... and as usual, savings and profits will be amply rewarded in bonuses all round! 

---

Close enough @jonsie .........shareholders come first not the insurees.

[Martin-O2]

Sorry to hear about the difficulties you've had with O2 insurance @Anonymous We may be able to speed things up. I'll need a few details so I'll send you a private message so we can discuss further