my iphone 4s fell out of my pocket when i was getting out of the car, made a claim with cpp got a telephone call this morning to say that my claim had been accepted and that they are sending out an special delivery so that i can send them the phone once they have recieved the phone they will then credit my account with the money for a new iphone i have to say what a great service i have recieved from them i was a bit worried about the claim after reading all the reviews but in all i must say i am very happy with CPP and would recommend them to anyone

Packaged mobile phone insurance with Royalties Gold account, dealt with very very efficiently DESPITE O2 providing wrong information, and the lost phone actually being a replacement (original failed and replaced under warranty and I had forgotten to register replacement phone) once I had the correct paperwork the phone was replaced within 2 days, THANKYOU CPP, not sure how my experience is so different from everyone else, insurance claims are messy sometimes and you have to produce the correct paperwork to verify your claim. I cannot fault CPP who seem to have been very patient with me and kept me informed each step of the way as to what I needed. Given that this was insurance provided with my bank account I did not expect too much, service has been excellent and my Royalties Gold Account is paying for itself!

Lost my phone called up on the wednesday and received a replacement iPhone 4s on the Friday through my natwest gold account! Absolutely outstanding service all for a £25 excess. Very very happy!!

Dropped my S3 and ended up with a cracked screen. I am with NatWest so phoned them up, sent an email with a photo of a Vodafone receipt and they called me back the following day. Filled in a form, wrapped my phone up and sent it via recorded delivery. Phone was sent on Tuesday and I got it back repaired the following Tuesday - 5 working days. I read some of the reviews here and they did not fill me up with confidence, but in the end I had no problems whatsoever.

I don’t suppose many people write a review when the insurance claim goes well, so I hope this review will help address the balance a bit. I have a NW gold account and lost my iphone 4 – so rang cpp to get it sorted. I found the claim advisers to be extremely helpful and understanding and clearly described what my next steps should be. I was initially told my claim would be processed within 10working days, which at first I was a bit frustrated at. However within 2 working days I got a call say my claim had been approved and they would be sending a cash payment to my account which I would was delighted with. They sent me enough money to buy myself a new 4S so was well chuffed! I found the process easier and smother than any other claim I have made. I feel like if you follow the terms and conditions you will be fine (like all insurance). After speaking with a member of staff at CPP I was informed that they only take £1 per month from the £12.99 we pay a month! Considering you can insure iphone 4s’s on the policy its extraordinary value for money – not really sure how anyone can complain.

I used to work for Phonesafe, so naturally I'm going to defend the company and it's staff, I do feel for customers who make claims and get declined. A lot of this is because the general public are often not aware of the terms and conditions that go along with the policy. If people read the T&C's they would have no problems with the outcome of a claim. Yes it is that simple. READ THE T&C's! Even the large print explains the basic conditions of insurance, this is how every insurance company in the world operate. I remember always thinking, yes I feel for people but then get annoyed thinking if you had just read the conditions you would have no problem. In
Our society we just expect to get things but we don't think about the outcomes of not reading terms and conditions. I do know that phonesafe get complaints, of course I feel for people who are declined, however more fool them. I do know the company did 100's of claims a week, the actual percentage of declines out of 1000's of claim
was around 8% so people need to realise 92% of claims are accepted and approved.

PEOPLE READ YOUR T&C's that is all you need to do!!!!

I dont understand u people! u must have known it wasn't going to be the quickest insurance as it's part of a package account. when you consider the break down in cost i believe we pay 80p a month for the phone insurance, not bad at all. It sounds like a simple case of reading the T&Cs before taking out the policy, for you lot who were declined!

ok personally i don't see what all the fuss is about...

we seem to live in a society where people think they are above all others...

cpp, like every other company, is a company out to make a profit... they can't make a profit by giving money away which is what some of you are hoping for... losing your phone is a genuine accident yes. but if there were no "reckless" factors in place then cpp would be handing money out left, right and centre...

for those of you with a valid claim, i'm amazed at your experience...

i made a claim 2 weeks ago, my phone is now with the repair company waiting to be sorted... 2 weeks may not be ideal but let's not forget this service is costing you next to nothing...

rather than bitching about what you don't have, be grateful for what you do...

People people people - just because you pay a premium this doesn't ENTITLE you to a replacement phone. The clue is in the product - INSURANCE. As an insurer Phonesafe are agreeing to insure your asset PROVIDING you adhere to the Terms and Conditions of the policy you have agreed to. It is not T-Mobile responsibility to point out the small print - it's YOURS. Surely if you are paying for protection YOU should check what YOU are paying for?!?! An insurable asset is exactly that. If someone not named on your car insurance crashes your car the car insurer would not pay out - the same applies to a phone. In order to have the right level of cover the insurer needs to know what level of risk it is exposing itself to. Having read the terms and conditions and having used the product I find it and its clauses that basic that a child could understand them. I found the agents knowledgable, professional and empathetic when I lost my phone. I had my replacement within 48 hours - guess why - I read and understood my terms and conditions - not rocket science and the Ombudsmen will say the same. If you're responsible enough to purchase a service perhaps you should be responsible enough to not give your phone to a child to play with, take it in the bath with you, leave it on a bar only to be surprised that it's been stolen - laughable really.