Haris Ashley
EE offers insurance for mobile phones and other gadgets, protecting customers against loss, theft, and damage. If a claim is successful, the customer pays an excess fee as a contribution to the cost of repair or replacement. The amount of the excess fee depends on which band the device falls into and when the insurance was purchased. EE also offers Full Cover and Damage Cover, which includes a multi-policy discount for insuring multiple devices.
EE Phone Insurance Excess
| Characteristics | Values |
|---|---|
| Excess Payable | Payable for each successful claim |
| Amount | Depends on the band the device falls into on the date of purchase of insurance |
| Warranty Claims | Not subject to excess |
| Missed Delivery | No charge for missed deliveries |
| iCloud Account/Find My iPhone Not Disabled | Charge depends on the market replacement of the device |
| Fraudulent Claims | EE will endeavour to recover the device and any costs incurred |
| Non-Payment | EE may choose not to offer cover in the future |
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What You'll Learn
Excess fees are charged for each successful claim
When it comes to EE phone insurance, excess fees are charged for each successful claim. This means that if your claim is approved, you will be required to make a payment, known as an excess fee, towards the cost of repairing or replacing your device. The amount of this excess fee depends on the category of your device at the time you purchased the insurance. It's important to note that EE regularly reviews these excess fees, and if any changes are made, they will notify customers 30 days in advance.
Understanding the different types of insurance offered by EE is crucial. Full Cover and Damage Cover are two options available to EE customers. With Full Cover, you can have peace of mind knowing that your device is protected against loss, theft, and damage. On the other hand, Damage Cover provides protection specifically for any damage incurred by your device. Additionally, EE offers insurance for a range of devices, including mobiles, watches, tablets, and laptops, as long as they were purchased from EE and billed with your airtime contract.
It's important to be aware of potential charges that may arise during the insurance process. For instance, if you have an Apple device and fail to unlink your iCloud account or deactivate Find My iPhone before a replacement is sent, you may be charged an additional fee. This charge will depend on the market replacement cost of the device, and you will be informed of the amount when contacted by EE. Similarly, if your damaged device is not ready for collection, and the courier has to leave without it, there may be a charge for the failed delivery.
To ensure a smooth insurance process, it's recommended to familiarize yourself with the terms and conditions of your specific insurance product. You can do this by checking your cover details online or through the EE app. Additionally, it's worth noting that warranty claims under your policy are typically not subject to an excess fee. EE also offers a simple claims process and a next-day refurbished replacement service, so you can get back to using your device as quickly as possible.
In summary, excess fees are an integral part of EE phone insurance, and they are charged for each successful claim. These fees contribute to the cost of repairing or replacing your device, and they vary depending on the category of your device. By understanding the different types of insurance offered by EE, being mindful of potential additional charges, and staying informed about your specific insurance product, you can make the most of your EE phone insurance and feel confident that your device is protected.
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The amount depends on the device's band
When it comes to EE phone insurance, the excess you pay depends on the band of your device. This band is determined based on the date you purchased the insurance. It's important to note that warranty claims under your policy are generally not subject to an excess.
EE offers a range of insurance options, including Full Cover and Damage Cover, to provide peace of mind and protect your devices against loss, theft, and damage. If your device is lost, stolen, or damaged, EE will arrange for a courier to deliver a replacement, which may be refurbished. This service is available for a fee, typically added to your next mobile bill.
The excess amount you pay as a contribution towards the cost of repair or replacement varies based on the device's band. While EE does not provide specific details about the bands, they do mention that excess amounts are regularly reviewed. If there are any changes to your excess, EE will give you 30 days' notice.
It's worth noting that if you have an Apple device, you may incur additional charges on your EE bill if you don't unlink your iCloud account or deactivate Find My before a replacement. This charge will depend on the market replacement cost of the device, and EE will inform you of the amount when they contact you.
Additionally, EE mentions that fraudulent claims may result in the recovery of the device and any associated costs. They also reserve the right to not offer cover in the future if they suspect fraudulent activity on the policy.
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EE may charge you if you're not available at the agreed time
If you have an insurance policy with EE for your mobile, watch, tablet, or laptop, you may be charged an excess fee if you make a successful claim. This fee is a contribution towards the cost of repairing or replacing your device. The amount of the excess fee depends on which band your device falls into on the date you purchased the insurance. If your device has been lost or stolen and your claim has been accepted, EE will arrange for a courier to deliver a replacement.
EE does not currently pass on charges for missed deliveries to customers. However, they may charge you if you are not available at the agreed time or if your damaged device is not ready for collection, and the courier has to leave. This charge will depend on the market replacement of the device, and you will be informed of the amount when contacted.
If you have an Apple device and do not unlink your iCloud account or deactivate Find My iPhone, you may be charged. This cost will depend on the market replacement of the device, and you will be informed of the amount when contacted.
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EE Lifetime Guarantee doesn't cover Full Cover or Damage Cover with AppleCare Services
EE offers a range of insurance options for devices purchased from them, including Full Cover and Damage Cover with AppleCare Services. These insurance options provide varying levels of protection for customers' devices, depending on the specific plan chosen.
While EE's insurance plans offer comprehensive coverage, it is important to note that the Lifetime Guarantee does not extend to Full Cover or Damage Cover with AppleCare Services. This means that customers who have opted for these specific plans will not be covered by the Lifetime Guarantee in the event of device issues.
The exclusion of Full Cover and Damage Cover with AppleCare Services from the EE Lifetime Guarantee is a notable aspect of EE's insurance offerings. This exclusion applies to both new and upgrading customers who have selected these plans for their iPhone insurance. It is worth mentioning that EE was the first UK network to introduce AppleCare Services as a part of their iPhone insurance, providing added convenience and expertise for device repairs.
Despite not being covered by the Lifetime Guarantee, customers with Full Cover or Damage Cover with AppleCare Services can still benefit from a range of features. These plans offer device repair services at Apple Stores, Apple Authorised Service Providers, and select EE stores. Additionally, customers can take advantage of 24/7 priority access to Apple experts through web chat or phone calls. The insurance element of these plans is underwritten by Chubb European Group SE (UK Branch), providing additional assurance for customers.
It is important for customers to carefully review the terms and conditions of their chosen insurance plan to fully understand the extent of their coverage. While the Lifetime Guarantee may not apply to Full Cover or Damage Cover with AppleCare Services, EE's insurance options still provide a comprehensive suite of benefits designed to protect customers' devices and provide convenient repair options.
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Monthly insurance payments are exempt from VAT
EE offers insurance for mobile phones and other gadgets, protecting customers against loss, theft, and damage. Monthly insurance payments are exempt from VAT but include Insurance Premium Tax (IPT) at the prevailing rate. The premium amount, inclusive of IPT, is disclosed to customers before purchasing the insurance and is detailed in the welcome pack. If there are any changes in the Insurance Premium Tax or other related taxes, the monthly payment amount will be affected.
EE customers with insurance can have their faulty devices collected and replaced with a refurbished device for a fee. This service is not available to SIM-only customers or Apple customers within the first 12 months of their Airtime Plan. In the first two years, for a fee, a next-day refurbished replacement can be provided if the device is diagnosed with a fault within the first 24 months of the Airtime Plan contract. This fee is added to the customer's Airtime Plan bill.
In the case of a successful insurance claim, an excess charge is payable, contributing to the repair or replacement cost of the device. The excess amount depends on the device's band at the time of purchasing the insurance and is subject to regular reviews. Customers will be notified of any changes to their excess amount 30 days in advance.
It is important to note that warranty claims under EE insurance policies are not subject to an excess. Additionally, EE does not currently pass on charges for missed deliveries, but there may be charges if the customer is unavailable at the agreed time or if the damaged device is not ready for collection. Charges may also apply if the iCloud account is not unlinked or Find My is not deactivated on Apple devices before replacement.
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Frequently asked questions
The excess on EE phone insurance is the amount you are charged for each successful claim. The amount depends on which band your device falls into on the date you purchased the insurance.
You will be charged the excess fee as a contribution towards the cost of the repair or replacement of your device.
The amount of excess will depend on which band your device falls into. You can check this by using the Excess and Device Band Calculator on the EE website or app.
The excess fee covers the cost of the repair or replacement of your device. This includes the courier service for the collection of your faulty device and the delivery of its replacement.
No, the excess fee is non-refundable, even if the cost of the repair or replacement ends up being lower than the excess fee you paid.
