To not want to replace the iPhone 5s that I broke?

[Foolishlady]

I broke my dp's iphone 5s today. He's insisting it's replaced with an iPhone 5s, I've offered him my iPhone 5 and I'll get a crap phone, or I'll buy him an iPhone 5c - but no, it has to be an iPhone 5s! Gah I know aibu but they cost over £500.....

Time for you to get snippy right back at him, surely - point out that car repairs came out of family funds not his own funds when he crashed the car, so (while you're very sorry it was you that broke his phone), you'll expect replacement (apple store as above) to come out of family funds too. End of argument.

No car insurance?!! Why?!!

Third party insurance I imagine, and DH was at fault. No 'shock horror' about it.

Yep, walkacrossthesand has it exactly right

I doubt it will be cost effective to claim on your house insurance. You'd have to declare that claim on renewal for five years and I expect the increase in premiums would outweigh the cost of replacing with a refurb/2nd hand one.

why was the phone in the car door?

Why don't you insure things?

Good q Beyond

Depending on the size of your excess it is often not worth insuring low/medium value items against accidental damage. Once you have accounted for the excess and the increase in future premiums in event of a claim, you'd be better off sticking the money in the bank.

I'm hoping it wasn't in his pocket when op slammed the door, YouAre

It's less to insure my car fully comp than 3rd party, fire and theft. Is there a reason why his premiums are so high that he can't afford fully comp, op?

It's not always cheaper johnny.

I wasn't fully comp for my first four years of driving and even then I only went fully comp because I bought an expensive car.

Most house insurance doesn't cover phones. Mine didnt when I dropped it in the loo.

It surprised me, McBear when fully comp turned out cheaper. Thing is, op and her partner shelled out £2k to fix the car, which suggests to me that it isn't an old banger.

Sorry, 4k

I'd remind him of the car and offer your phone tbh. 4k!!!

In that case, if just tell him that he only owes you £3.5k now.

You sound like a bit of a mug, OP.

I'm with others. He smashed the car YOU helped pay to get it fixed. You smashed the phone, HE helps get it fixed.

Joint funds all the way.

He's probably not going to be impressed so I think it's better you have a sit down conversation about it. "i assume we'll be using joint funds to replace your phone like you did when you smashed the car?" and see what he says.

Having seen the car update, I think replacing/repairing his phone should be treated as a joint expense.

Yes johnny it probably wasn't and it must have been one hell of a smash. I had the whole rear end of my car smashed in by a van and that was 1800 at a big fancy insurance place.

Seriously, if you insist on fancy cars and fancy phones, get adequate insurance

Buy him an iPhone 5c and tell him if he wants expensive stuff to start insuring it.

It should definitely come out of family funds if the car repairs did (assuming the car accident was his fault). He's understandably upset since his phone is broken, but if it was a genuine accident he needs to calm down, forgive and move on.

The car definitely wasn't a fancy car, it was an old second hand gift from my family to me which we decided to make the family car. He decided to pay for the repairs to the other car too so as not to raise the insurance premiums. Well I paid for the phone out of my own funds but thinking about, yes, it probably should have come out of joint funds!