ConsumerTalk with Wendy Knowler

Top mistakes to avoid when insuring your phone

When it comes to cellphone insurance, it's always safer to double check says consumer journalist Wendy Knowler.

Read: 5 things you need to know about ending your gym or cellphone contract

Consumers can insure through their cellphone provider or via household or car insurance policy, Knowler.

Either way, it is important to make sure that your policy covers you for the correct value of your phone and the current device you are using.

Read more: How important is cellphone insurance? Wendy Knowler has the answer

Cellphone providers typically provide insurance linked to the SIM card, while household or car insurance policies cover the device, irrespective of the SIM in use.

Seven top tips on cellphone insurance:

  • When you upgrade your phone, make sure that you upgrade your cellphone insurance at the same time.
  • For a claim to be valid for a network provider, the listed SIM must be in the device at the time of the event.
  • Always remember to update your policy to reflect the current handset if you upgrade your device.
  • Make sure that you are not still paying premiums for a phone that is no longer in use.
  • Check the replacement value of your insurance.
  • Compare prices between network providers and private policies.
  • Always check your bank statements.

Paying an excess amount at claim time is a lot less devastating than bearing the entire cost of replacing your stolen car, repairing that fender bender or losing everything in a house fire.

Wendy Knowler, consumer journalist

If you have your own policy it can be cheaper and it doesn’t matter what SIM you have in the phone when it’s stolen or damaged, you have a valid claim.

Wendy Knowler, consumer journalist

Cape Town resident Wendy Coetzer discovered she had paid about R4 600 in premiums for an old phone that she last used years ago.

I had no idea that this insurance premium would carry on being debited from my account after my upgrade.

Wendy Coetzer

There must be a significant number of handsets listed on those polices that are no longer in use, yet the premiums are still being deducted.

Wendy Knowler, consumer journalist

Knowler warned consumers about wasted cellphone premiums and shared her expert advice using the case study.

Take a listen to the insightful discussion during Consumer Talk:

Every Wednesday, on The Pippa Hudson Show, Wendy Knowler provides useful insights and tips on how to make the most of your buying power.

For more stories visit the ConsumerTalk feature page.

Got a consumer case you need help resolving?

Email: consumer@knowler.co.za, put Cape Talk in the subject line, followed by the issue e.g. cellphone contract dispute.


This article first appeared on CapeTalk : Top mistakes to avoid when insuring your phone


Recommended

by NEWSROOM AI

702 welcomes all comments that are constructive, contribute to discussions in a meaningful manner and take stories forward.

However, we will NOT condone the following:

  • Racism (including offensive comments based on ethnicity and nationality)
  • Sexism
  • Homophobia
  • Religious intolerance
  • Cyber bullying
  • Hate speech
  • Derogatory language
  • Comments inciting violence.

We ask that your comments remain relevant to the articles they appear on and do not include general banter or conversation as this dilutes the effectiveness of the comments section.

We strive to make the 702 community a safe and welcoming space for all.

702 reserves the right to: 1) remove any comments that do not follow the above guidelines; and, 2) ban users who repeatedly infringe the rules.

Should you find any comments upsetting or offensive you can also flag them and we will assess it against our guidelines.

702 is constantly reviewing its comments policy in order to create an environment conducive to constructive conversations.

Read More
3 things about airline industry practice every flyer should know

3 things about airline industry practice every flyer should know

Consumer journalist Wendy Knowler talks overbooking, flight cancellations and other airline industry woes.

'South Africans are so used to shoddy service that it became their expectation'

'South Africans are so used to shoddy service that it became their expectation'

Consumer expert Adré Schreuder explains how companies measure customer satisfaction to improve on services offered.

Food fraud: Could you be eating fake honey?

Food fraud: Could you be eating fake honey?

CapeTalk's Pippa Hudson chats to consumer journalist, Wendy Knowler about adulterated (fake) honey.

SA-made Rolkem cake decoration products may not be safe to eat

SA-made Rolkem cake decoration products may not be safe to eat

The UK’s Food Standards Agency issued an advisory, claiming that Rolkem failed to confirm that their ingredients were safe to eat.

Always ask why your credit application was rejected (and other useful tips)

Always ask why your credit application was rejected (and other useful tips)

Credit providers such as banks, cellphone companies and clothing stores must justify why a credit application has been rejected.

How important is cellphone insurance? Wendy Knowler has the answer

How important is cellphone insurance? Wendy Knowler has the answer

Wendy Knowler shares ways to ensure your line of communication is not negatively affected in case something happens to your phone.

Popular articles
Zondo Commission of Inquiry kicks off with former statesmen as key witnesses

Zondo Commission of Inquiry kicks off with former statesmen as key witnesses

Former deputy finance minister Mcebisi Jonas, former GCIS CEO Themba Maseko and veteran ANC MP Vytjie Mentor are witnesses.

Zondo Commission into state capture to start hearings today

Zondo Commission into state capture to start hearings today

Day 1 of the judicial commission of inquiry into allegations of state capture will officially begin on Monday.

Vigilante mob attacks alleged criminals in Daveyton

Vigilante mob attacks alleged criminals in Daveyton

Tensions are rife in the East Joburg township as the community attacked and killed criminals.

Naked Scientist: Why is it that women live longer than men?

Naked Scientist: Why is it that women live longer than men?

Naked Scientist Chris Smith says there is a range of reasons why this may be true.

Survivor winner Tom Swartz vows to buy his wife 'new boobies and a family house'

Survivor winner Tom Swartz vows to buy his wife 'new boobies and a family house'

Swartz says he would have done anything to get the R1 million prize money.

'There is no way Magnus Malan could've done the things he is accused of'

'There is no way Magnus Malan could've done the things he is accused of'

Former police minister Adriaan Vlok has rejected accusations that former minister Malan was at the centre of a paedophile ring.