Lost my 4 year old iphone4 16gb earlier this week – Just remembered I registered it with Lloyds current account insurance so could theoretically claim but excess is £100. What are the chances I just get a refurbished iphone4 back which is not worth £100 to me or do you reckon they will have none left so will get at least 4s………which is probably worth it

Ask them?

63.5%

HTH

Or do what njee suggested…

I will but I’m sure they will just say we handle this through a third party and we have no idea what you will get!

We made a mobile phone claim on our house insurance alst year, for a smashed screen. At renewal time some insuresers point blank refused to quote because of this claim. Esure was one of them.