to refuse to claim off our insurance?

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Dd 18 is at uni in london. On sat night her phone was stolen from her room - iphone 4 450 quid to replace. There was a party in her halls- someone took her keys from the kitchen side, let themselves into her room and took it. I'm certain this is what happened. It is not covered by her student insurance as there is no sign of forcible entry. It is covered under our policy as a personal possession. However- during the summer she had her bag stolen and we claimed then- value of stuff then was around 1500 quid. Our premium went up by 200 on renewal in september. My view is that she should have a less nickable phone for carrying around (say 100)which I an haapy to pay for.she is suffering from iphone withdrawal and thinks that the family policy is there to be claimed on.

My younger brother is forever losing his phone/wallet/laptop. My parents allowed him to claim once on their insurance then got the renewal letter and no more. Now he has to make the choice - either be more careful, fork out for a decent insurance policy, or effectively cover the risk himself (i.e. replace when it gets lost/stolen).

I think your DD needs to learn the responsibility of living on her own and buy herself a new phone or agree to cover any uplift to your insurance renewal which arises as a result of the claim.

I think you should claim on your insurance if the iphone is covered in those circumstances. I suspect that the reason your premium went up last time you claimed was nothing to do with the claim - premiums have gone up a lot recently for all. I know car insurance is very tailored to personal previous claims but I believe (but am not certain) that home insurance is simply calculated on an algorithm of postcode, property type etc and doesn't increase for you personally with a claim - can you check that? If it doesn't affect you and will save your daughter a few hundred pounds then you should help her out. If OTOH you are right and your premium will go up then she has to learn a harsh lesson. Did she report the loss to the police? Did she use "Find my iphone"?

as everyone else says - teach some consequences.

no-one needs all this expensive stuff. She replaces it second-hand and gets less pissed is more careful in future.

she should now be past the sheep stage of having to have the latest gadgets just because everyone else does.

ha- Her story is so unbelievable whether she told you re party or not.

There is no way your dd left her iphone locked away, I just don't buy it. Im glued to mine for camera purposes and fb updates and im just a boring mum! She's gotten drunk and lost/broken/had it taken while she wasn't looking. But it wasn't stolen from her room. Id put money on it. You bailed her out once and she figured you'd just do it again. ....

she can easily do without an iphone. They are unfortunately very attractive to thieves. I don't have one, have a much cheaper android version which does pretty much the same.

And make sure she has adequate insurance for her own possessions!