You havent been paying a month fee to any insurance company. Phone insurance is included free of charge as part of the benefits of your account for a start.
Secondly if you cannot comply with the policy conditions for a claim, it is unlikely you will succeed.
I know they said there was no time limit, but there was probably an implication of a a reasonable time-frame. you arent doing yourself any favours that it was 7 months ago.
When you registered your phone it gave the terms and conditions to review. When UB change their phone insurance to Aviva you also got posted a copy of the policy wording. I know because I did.
Not sure how you're reaching this conclusion. Free of charge? Nothing is free. I'm paying a monthly fee for a product that includes phone insurance. And regardless of this point, it's not really relevant in my query.
So if I didnt have a mobile phone my uFirst account charge would be cheaper?
Googling 'insurance for phones bought on ebay' throws up this thread
http://forums.moneysavingexpert.com/showthread.php?t=2206705&page=1
Did you think of telling the insurance company that you had bought it on ebay?
I bought a sim-free Sony Xperia P phone on eBay in November 2012.
I took out insurance on it with Ulster Bank uFirst Gold account (insurance provided by CPP Insurance) straight away.
It was stolen from me in February 2012.
You are paying for the entitlement to phone insurance. Just like you are paying for the entitlement to all of the services you receive with that account. What exactly did you think you were paying for?
You are not receiving phone insurance for free.
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