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Customer Review

12 of 12 people found the following review helpful
2.0 out of 5 stars Beware ! No Excess?....read the small print !!, 19 Oct 2013
This review is from: SquareTrade 2-Year Warranty Plus Accident Protection (250-300 Items) (Accessory)
AT the top of this page they loudly boast "NO EXCESS". I don't know how they can legally say that, as its not 100% true.

if you read carefully the above "key facts pdf". you will see the clause...

"Your insured item is not covered for the following: For iPhones and Cell Phones only, the first 50 of each claim"

Note they say iPhone but also add "cell phones" which basically means any mobile phone. Looking at the list above, "customers who bough this item also bought..." I note that many many people have bought this insurance for mobile phones - Hence my post. So despite insuring your phone for the full purchase price, you will never actually get that, as you would only ever get 50 less. Eg you insure your phone at the rate for 300 you can only ever receive a maximum of 250, yet you still have to pay for a 300 policy.

Consider too if it needed a repair, costing say 75, you would only receive a mere 25 and have to stump up the extra 50 yourself.

Finally note that it says the first 50 of "EACH" claim, not just the first one. THEY WILL KNOCK 50 OF EVERY CLAIM YOU MAKE ON YOUR PHONE. So for example if you made two claims for such repairs, then you have to stump up 100 of your own cash. On top of your insurance premium! and you'd have received just 50 back. So if your phone needs a couple of repairs then you could quickly find yourself out of pocket.

No excess??? ....read the small print !
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Showing 1-3 of 3 posts in this discussion
Initial post: 13 Jan 2014 18:50:21 GMT
Last edited by the author on 13 Jan 2014 18:52:45 GMT
P. Joseph says:
SquareTrade 2-Year Warranty Plus Accident Protection (125-150 Items)
Althoughit says no excess-the small pront does indicate a 50 excess for phones

Posted on 13 Jan 2014 18:52:16 GMT
Last edited by the author on 13 Jan 2014 18:53:02 GMT
P. Joseph says:
SquareTrade 2-Year Warranty Plus Accident Protection (125-150 Items)
Althoughit says no excess-the small pront does indicate a 50 pound excess for phones

Posted on 13 Jan 2014 18:52:18 GMT
Last edited by the author on 13 Jan 2014 18:53:20 GMT
P. Joseph says:
SquareTrade 2-Year Warranty Plus Accident Protection (125-150 Items)
Althoughit says no excess-the small print does indicate a 50 pound excess for phones
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Location: England. UK

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