Jeffrey Wade
If you're looking to insure your phone with HSBC, there are a few options to consider. Firstly, HSBC offers mobile phone insurance through its Insurance Aspects product, which covers loss, theft, and accidental damage. This includes worldwide cover and protection for unauthorised usage. However, to benefit from this option, you'll need to upgrade your account status to Insurance Aspects, which comes at an additional cost. Alternatively, you can consider HSBC's home and contents insurance package, which includes mobile phone insurance but requires you to take out a full home insurance policy. It's important to note that making a claim under this option may impact your premiums. Lastly, you can explore the option of instant cover, which provides protection from the moment you take out the policy, but it's worth checking the specific terms and conditions to ensure they meet your needs.
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What You'll Learn
HSBC's mobile phone insurance options
HSBC does not offer mobile phone insurance as a standalone product. However, mobile phone insurance is included in its Insurance Aspects product, which is currently not available for new customers. This product covers worldwide travel insurance for eligible customers under 70, baggage cover, medical cover, and cover for missing pre-booked transport or delayed transport.
If you are an existing Insurance Aspects customer, your mobile phone is automatically covered. However, it is recommended that you register your mobile phone in advance to make the claims process easier. You can register your phone online or by calling 0800 001 4278. Your mobile phone insurance policy covers you, any joint account holder, and anyone using the phone with your permission. The policy also covers the battery and charger if they are lost, damaged, or stolen in the same incident, but no other accessories are covered. The cover is worldwide, but a replacement phone can only be arranged when you are in the UK, the Channel Islands, or the Isle of Man if you are a resident there.
The Insurance Aspects mobile phone insurance is underwritten by Aviva Insurance Limited, with Likewize acting as its agent to administer policies and claims. Aviva's replacement phones are refurbished models with a 12-month warranty and are in 'as new' condition. The replacement phone may be a different colour and, if the same make and model are unavailable, the replacement will be of a similar specification.
To benefit from HSBC's mobile phone insurance, you need to upgrade your account status to Insurance Aspects, which costs £11.95 per month if you are under 70. This insurance covers your device up to a value of £2,500, with a compulsory excess of £75.
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What's covered by HSBC's mobile phone insurance
HSBC does not offer mobile phone insurance as a standalone product. However, mobile phone insurance is included in its Insurance Aspects product for HSBC Advance customers. This product also includes worldwide travel insurance, baggage cover, medical cover, and cover for trip cancellations or delays.
To benefit from Insurance Aspects, you must be an existing HSBC customer and a resident of the UK. The insurance covers you, any joint account holder, and anyone using the phone with your permission. It is valid worldwide, but replacements can only be arranged when you are in the UK (or the Channel Islands or the Isle of Man if you are a resident there).
HSBC's mobile phone insurance covers your phone in the event of loss, theft, or accidental damage. This includes liquid damage and cracked screens. It also covers the cost of unauthorised calls, texts, or data usage in the event of phone loss or theft. The battery and charger are also covered if they are lost, damaged, or stolen in the same incident as the phone.
It is important to note that not all types of damage are covered. For example, cosmetic damage such as scratches may not be covered. Additionally, standard mobile insurance typically does not cover phones outside of the UK, so it is worth checking if worldwide coverage is included in your policy. Finally, remember that you must register your device in advance to make the claims process easier.
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How to make a claim on your HSBC mobile phone insurance
Although HSBC offers mobile phone insurance to its Insurance Aspects customers, it is currently not available for new customers to purchase. If you are an existing Insurance Aspects customer, you can make a claim on your mobile phone insurance by calling 0800 001 4278. Lines are open Monday to Friday from 08:00 to 20:00, and on Saturday, Sunday and public holidays from 08:00 to 18:00.
It is recommended that you register your mobile phone in advance to make the process of making a claim easier. You can register your phone online or by calling the number above.
When making a claim, you will need to provide as much evidence as possible. Make notes of dates and times, and take photos or videos of any damage. If your phone has been stolen, you may need to report it to the police within 24 hours for the insurance to be valid. They will give you a crime reference number to give to your insurer.
Your HSBC mobile phone insurance covers you for loss, theft, and accidental damage. This includes cracked screens and liquid damage, although not all policies cover liquid damage so be sure to check. Your battery and charger are also covered if they are lost, damaged, or stolen in the same incident. However, no other accessories are covered by this insurance.
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Alternatives to HSBC's mobile phone insurance
HSBC offers mobile phone insurance, but only to those who have upgraded their account status to an Insurance Aspect account, which costs £11.95 per month for those under 70. This insurance policy covers the device, battery, and charger, with protection up to £2,500 and a compulsory excess of £75. However, if you are not interested in the other features of an Insurance Aspect account, there are alternative options for mobile phone insurance outside of HSBC.
Firstly, you can consider a third-party insurer. These companies specialize in mobile phone insurance and often offer competitive prices. For example, Mobile Phone Insurance Direct (MPID) offers phone insurance at a lower price than HSBC.
Another option is to take out a policy with your phone supplier. Many phone suppliers offer mobile phone insurance when you take out a contract, and sometimes you can add it later. This can be a convenient way to insure your phone without having to deal with a separate company.
Additionally, you may be able to get basic mobile phone insurance as part of a package deal when you take out a current account or home insurance policy. This can be a cost-effective way to get the insurance you need, but it's important to carefully review the terms to ensure you are getting the level of cover you require.
Finally, some insurers offer 'multi-phone' cover, where all phones in your household are covered under the same policy. This can be a good option if you have multiple phones that you want to insure.
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Pros and cons of HSBC's mobile phone insurance
HSBC offers mobile phone insurance to its customers, which can be beneficial in case of accidental damage, loss, or theft. Here are some pros and cons of HSBC's mobile phone insurance to help you decide if it is the right choice for you:
Pros:
- Automatic coverage: Your mobile phone is automatically covered under HSBC's Insurance Aspects policy, which includes worldwide travel insurance and motor breakdown assistance.
- Instant cover: With HSBC's mobile phone insurance, you are covered from the date you become an Insurance Aspects holder or from 1 November 2018, whichever is later. There is no waiting period before you can make a claim.
- Wide range of coverage: HSBC's mobile phone insurance covers accidental damage, loss, and theft. It also covers the battery and charger if they are lost, damaged, or stolen in the same incident.
- Easy claims process: While not required, HSBC recommends registering your mobile phone in advance to make the process of claiming insurance easier. You can register your phone online or via a phone call.
- Worldwide cover: HSBC's mobile phone insurance provides worldwide coverage, giving you peace of mind when travelling. However, a replacement phone can only be arranged when you are back in the UK or the Channel Islands/Isle of Man if you are a resident there.
Cons:
- Limited accessory coverage: While the battery and charger are covered if they are lost, damaged, or stolen along with the phone, other accessories like phone covers, cases, and memory cards are not covered by HSBC's mobile phone insurance.
- Not available for new customers: HSBC Insurance Aspects, which includes mobile phone insurance, is currently not available for new customers to purchase.
- Home insurance requirement: To receive mobile phone insurance from HSBC, you may need to take out a full home insurance policy, which may not be necessary or cost-effective for everyone.
- Impact on home insurance premiums: If you make a claim for your mobile phone on your home and contents insurance, your premiums may increase significantly, affecting the cost of your insurance in the long run.
- Limited availability: HSBC's mobile phone insurance is only available in certain countries, and the specific offerings may vary by region. Sources indicate that HSBC's mobile phone insurance is available in the UK and the US, but it is unclear if it is offered in other countries.
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Frequently asked questions
To insure your phone with HSBC, you need to upgrade your account status to HSBC Insurance Aspect, which costs £11.95 a month if you’re under 70. This will cover you for theft, loss, accidental damage, and breakdown outside of warranty.
HSBC phone insurance covers you for up to £2,500 on your device, with a compulsory excess of £75. It also includes up to £1,500 for unauthorised use of your phone, and covers the battery and charger if they are lost, damaged or stolen.
You can make a claim by calling HSBC on 0800 001 4278. It's recommended that you register your device in advance to make the claiming process easier, although it's not necessary. You may be required to provide information, documents or receipts to support your claim, including proof of ownership.
