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[mkaminski100]

I have a problem with my mobile phones claim. After 2 years of having silver account with Lloyds, I wanted to make a claim. Both mobiles I have were in a bag that was dropped into  seawater. I’ve managed to take sim cards out but think that mobiles are dead.
Nice lady from premium accounts told me that I have to provide a proof of purchase, mobiles and pay £30 for each claim. Everything’s okay, but this is nokia n80, purchased 3 years ago (who keeps all documents for 3 years) and is worth around £30 now. I have thrown both mobiles to bin, thus now I would have to report it to Police and my mobile provider (I am on PAYG for 2 years) and bring all documents to Lloyds.
I have asked her what am I going to get, and was told that they try to fix it and if not, I’ll get a mobile with same specs. She could not tell me what mobiles they have as N80 replacement and I am now concerned if this  whole thing is worth it, as I can get some Samsung (worth £50)  for £30 and 2-3 days of holiday I have to spend doing all paperwork.
Do you know what mobiles they usually give for old ones like N80? If I have to go through that, I can always ask somebody to fix both mobiles and pay less than £30 (both are in the bin but I’m sure I can get them out).

I am quite sure about one thing though – after this and my friends “AA” recovery claim from his bank (beyond belief – private van could not get to underground carpark and left him in dodgy garage) and this I will go back to standard account as all “extras” are “you get extra” when you sign up, but become “you pay extra” when you claim....

[TheBoy]

So getting both repaired seems like best option then

You won't be getting N97 or Crapple gayPhone if that is what you were hoping

[TheBoy]

Also, if you can get them repaired, so can Lloyds, which may be what they do

[sir moanalot]

i recently upgraded to a gold account and was told aa is full cover. what a load of cr&p -two days late dead battery and was told aa wont come out as i wasn't covered for that- so back to the silver account........

[mkaminski100]

No, I don’t want any of them (well I want but not for a N80 insurance claim ) , as this would not be fair, but I don’t think it's fair to pay £30 with all this hassle and get a £30 phone back.
I was thinking about N81, N95 or something similar - Nokia + symbian, worth more than £30.
I know that these rules are to protect from false claims (some would claim new mobile every year), but on the other hand people who cheat will buy £500 latest gadget mobile, claim that it was stolen, change IMEI number and flog it on E-bay. I only claim for a £30 mobile....

As per repair - maybe you're right and I should have been on standard account and have save £8/month * 24 months for my mobile repairs or new mobile. I was just naive to think that if anything will happened to a 3yr old mobile, it will not be worth to play with it and will get something bit more decent (nothing special) without this hassle. I could just say that it was lost or stolen but I don’t want to lie to get a replacement mobile. 

Banks premium services are fraud to me - for 2 years I have not received any T&C for any cover I have with them! I asked about it in Basingstoke branch and was given a advertisement booklet. I am quite sure that if anything would happened during my holiday, I would not get any help from then...so get lost, I don’t want to pay for “premiums”
My friend, that claimed that his car was broken was told that he's covered by a "full cover" - and was dropped to a garage, they couldn’t fix it so he had to pay extra to get to Vauxhall!!