Initially I wasn’t going to review JS Insurance as I wasn’t aware that they now offered cover for loss. According to their website (jsinsurance.co.uk) it seems they now do so welcome to the mix guys!
Loss, as you might have guessed is important to me. I tend to lose something, at least every other day if not every day. Whether it’s my car keys, wallet, phone – whatever, I lose them. So basically I can’t take out an insurance policy for my iPhone unless it absolutely covers loss. Which thankfully JS Insurance now does.
This review is part of ‘The Big iPhone Insurance Report‘ which takes a look at all of the different iPhone/mobile phone insurance policies available in the UK and compares them against each other. JS Insurance was compared to the likes of ProtectYourBubble, Insurance2go and more mainstream companies like O2 and The Carphone Warehouse. It’s a good read, if you’re shopping around for a new policy.
But back to JS Insurance…
The Facts:
- Pay monthly or annually
- Cover from £4.99 per month (if bought on an annual policy)
- Provides cover for:
- Theft
- Accidental Damage
- Water/Liquid Damage
- Loss - Up to £1,000 unauthorised calls cover
- 90 days travel cover per year
Other Important Points
Excess (the amount you have to pay when making a claim) is as follows:
- £100 for any claims made during the first three months
- £75 for any claims made during the initial 3-6 months of your contract
- £50 excess on all claims after that
Reviews, Feedback & Complaints:
There weren’t many reviews for JS Insurance on the web. I’m not sure if this is a good or a bad thing. People are more likely to leave a negative review (as opposed to a positive review) so I guess if there was a lot of negative things to say about JS Insurance I would have found them straight away.
My thoughts…
At a glance (but without any personal experience to say either way) JS Insurance seem to offer pretty decent cover. I’m particularly impressed with their 90 days travel cover, which is pretty substantial. My only personal complaint would be that the excess is quite high initially. ProtectYourBubble and Insurance2go both charged £50 for all standard claims, or £75 for claims with loss. Insureandgo don’t charge any excess on their black policy. That said, as long as you don’t do anything within the first three months, it turns out to be as good as the rest – better if you consider the overseas travel cover.
That was the only fault I could find with JS Insurance. Other than that I was pretty happy.
You can find out more about JS Insurance at their website jsinsurance.co.uk
