My Curve Metal mobile phone insurance pays out
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If you have the metal version of Curve Card (our introduction to Curve Card is here but some features have since changed), you may not be aware that it comes with free mobile phone insurance.
It came in very handy when my iPhone was stolen three weeks ago, following an impressive bit of distraction theft in the den of iniquity that is, erm, Pret A Manger Kings Road.
I got the necesary crime report number and filled in the online form for AXA on the Curve website. I wasn’t entirely hopeful it would pay, but I got a call yesterday saying that my claim is being settled.
It is a decent payout. I am being the paid the replacement cost of my phone, less 20% because my old phone was a year old when stolen, less £50 excess. I can’t argue with that.
If you took out your Curve Metal card before February 2020, the rules are even more generous. You are also covered for laptops, chromebooks, e-readers, tablets and any accessories. Curve Black cards issued before February 2020 are covered for mobile phones but newly issued Curve Black cards are not – you now need to have Curve Metal.
There is small print attached to everything I wrote above, so check the Curve policy for your particular card before claiming or taking out a card. I had no problems getting paid out, however.
It’s also a reminder to keep the receipt somewhere safe when you buy your phone, because you may need it for an insurance claim one day.
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Want to earn more points from credit cards? – April 2025 update
If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.
In 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.
You qualify for the bonus on these cards even if you have a British Airways American Express card:
Barclaycard Avios Plus Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review
Barclaycard Avios Mastercard
Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review
You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.
SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.
SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.
American Express Preferred Rewards Gold
Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review
British Airways American Express Premium Plus
30,000 Avios and the famous annual 2-4-1 voucher Read our full review
The Platinum Card from American Express
80,000 bonus points and great travel benefits – for a large fee Read our full review
Virgin Atlantic Reward+ Mastercard
18,000 bonus points and 1.5 points for every £1 you spend Read our full review
Earning miles and points from small business cards
If you are a sole trader or run a small company, you may also want to check out these offers:
American Express Business Platinum
50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review
American Express Business Gold
20,000 points sign-up bonus and FREE for a year Read our full review
Capital on Tap Pro Visa
10,500 points (=10,500 Avios) plus good benefits Read our full review
Capital on Tap Visa
NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review
British Airways American Express Accelerating Business
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
