Product insurance - Product damaged

Based on resolver’s experience to date, if your phone is damaged you may want to get it repaired as soon as possible as damage could lead to it not working at all. Check your policy documents carefully before making a claim, as there may be exclusions as to the nature and cause of the damage. If the damage your phone has suffered falls within your mobile insurance policy simply contact your insurer and state that you wish to make a claim for replacement of your phone under your insurance policy. You will need to have your policy documents to hand, and may also be required to send the damaged phone into your insurer for assessment or repair.

If you have home contents insurance, check your policy as you may be covered under accidental damage, although if you make a claim this way your contents insurance renewal premium may rise and you will lose any no claims bonus that you may have accrued. You should report the accidental damage to your insurer as soon as possible as failing to do so could delay any repair or replacement.

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You should know

• If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.

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