i just checked my statements, and i saw a direct debit is coming out of my account £8.99, and its been going on for a while now, almost a year!!!! i got my phone around 1.5 years ago so it started around 6,7 months after i got my new contract and phone, and i did not insure my phone 100% sure of it, im with t-mobile as you've probably guessed by now, it says homecare insurance on my statement, i searched it on google and i found this site and you guys talking about this, its 100% dodgy, i never insured my phone and i've never heard of this company, the whole thing is fraud, i think they take accounts from t-mobile confidential directory and take little sums of money outta customers accounts in the name of insurance, so watch out,, im gonna cancel it straight away and block my account to this company, best way is to put a password on your account.. good luck , scam free :)

after reading all the reviews i got myself worked up and stresses about my claim,my fone was lost.but i was pleasantly surprised.i claimed on Saturday, they called me on Wednesday to confirm few details and then they said my claim has gone through.i received my fone within two days.the fone was refurbished and it did have few scratches, but i was happy i had a fone and it worked.i will be cancelling my insurance with purely because its overpriced and the refurbished phone.but they did everything within the time scale.

I had my phone pick pocketed from me on the 1st of Feb 2012, and through my claim there were a few self inflicted complications; I forgot I had my phone swapped 6 months ago at an apple store 6 months ago, i didn't report the new IMEI number, all I had to do is get the receipt of swapping from apple and proof of barring and blacklisting from orange. I called up fonesafe today, sent them the documents via email they put me straight through to a guy from santander, my claim was accepted. He told me today that i will receive a BACs payment of £499 to replace my iPhone 4 16GB. So i was sorted really, I did worry looking at these reviews while i was sorting the claim out, so thought id put this review on to balance the argument as most people make reviews out of annoyance. **** STARS

Hello,

I bought a new phone on T Mobile and as usual got an insurance plan. By default, T Mobile sells FoneSafe Mobile insurance. Just to do the background check when I read the reviews on this site about FoneSafe they were really concerning, because although I am not the one to lose my phone I do damage it by dropping on the floor and by other accidental way. It was discouraging to see that the company doesn't pay out. Also, the customer service was rated very poor on various sites.

My experience was completely different. I lost my phone within 2 weeks of purchase! It was a brand new HTC Desire, I am a glad to say the Phone was replaced, it did take a weeks and a half for the processing and delivery of the phone but considering FoneSafe had not even taken the first payment they paid out the phone. The only thing which was not according to satisfaction is, I had to pay £50 excess and the phone was an "unused" phone and not a brand new one. Since the phone itself is a new one I was lucky to get a unused phone, or else they would have replaced it with a refurbished phone!

All in all, I am happy with FoneSafe.