AM using my Christmas bonus to upgrade my mobile phone. While doing my research and looking at different types of phones, the shops are all trying to sell insurance too. Is gadget insurance a good idea as I am already spending a lot of money on the phone? Tom, Co Westmeath IF you are paying out a lot of money for a new phone, buying insurance to protect yourself against future problems seems like a smart move. However, it’s important to remember that if the phone stops working after you buy it, you have statutory consumer rights — regardless of whether you take out insurance on it. For example, if something you buy turns out to have a fault, you are entitled to a repair, replacement, reduction in the price, or a refund.
Insurance can be quite expensive when compared with the cost of a phone, so there are a few things to think about before you sign up to any policy. If you buy insurance from a shop, the shop assistant may be earning commission from the sale and so it is in their interest to convince you that you need the insurance.
If you are thinking about taking out gadget insurance, either as part of your phone package or a standalone policy, check the excesses and exclusions and weigh up how likely you are to lose or damage the phone and the overall cost of insuring it versus the cost of replacing it.
(Excesses are the first part of a claim you must cover yourself. Exclusions are typically types of damage — or causes of damage — which are not covered by insurance). Shop around and compare quotes.
Most insurance providers have their policy terms and conditions online, or you can call the insurer to get a quote. There are different levels of cover available, but the cost mainly depends on the value of the item you insure.
Before you buy, check whether you have any cover under your home insurance policy, or whether you can buy an add-on to your home insurance — as you might be able to get the phone covered using ‘all-risks’ cover. This is an optional extra available under most home-insurance policies which protects you against loss of, theft of, or accidental damage to personal belongings both inside and outside of the home.
If considering add-on cover, check with your provider if this policy would cover your phone and ask about any exclusions. Find out if there is an excess to pay on the policy if you make a claim and also, consider the implications on your home insurance premium for next year. guaranteed delivery in time for Christmas when I bought it. Can I cancel my order even if it hasn’t arrived yet and get a full refund? Patsy, Dublin 6 AT this stage, you have probably already contacted the company and found out that the jacket won’t be arriving before Christmas. If you bought the jacket from a business based in the EU, you have strong consumer protection rights in these circumstances. In general, if you order from an Eu-based business, your order should arrive within 30 days, unless an alternative date was agreed.
In your case, the retailer guaranteed delivery before Christmas and won’t meet this obligation — so you have the right to cancel and request a full refund. The retailer should refund you without delay. You will need to fill in a cancellation form which the retailer should send you or have available on its website.
If you bought from a business based outside of the EU, you need to check the website’s terms and conditions in relation to cancelling.
If you are having trouble getting a refund, you may be able to request a chargeback from your debit or credit card for non-delivery of goods. Your card provider can explain the process to you, but you can request a chargeback if the goods are not delivered or are faulty and you are unable to get your money back from the business.
Before requesting a chargeback, you should contact the business in writing and ask for a refund as you will need evidence that you tried to get a refund from the business.