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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.


Want to earn more points from credit cards? – January 2022 update

If you are looking to apply for a new credit or charge card, here are our January 2022 recommendations based on the current sign-up bonus

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the top current deals.

There are special sign-up bonuses on both of the BA American Express cards until 28th February 2022. The bonus on the free card is doubled to 10,000 Avios and the bonus on the Premium Plus card is increased from 25,000 Avios to a huge 40,000 Avios.

British Airways BA Amex American Express card

British Airways American Express

10,000 Avios for signing up (SPECIAL OFFER) and an Economy 2-4-1 voucher for spending ….. Read our full review

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

40,000 Avios (SPECIAL OFFER) and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee 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.

The bonus on the Capital On Tap card is increased from points worth 10,000 Avios to 30,000 Avios until 4th February 2022.

The bonus on the British Airways Accelerating Business card is increased from 30,000 Avios to 45,000 Avios until 28th February 2022.

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

45,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital on Tap Visa card

Capital On Tap Business Rewards Visa

30,000 points bonus – the most generous Avios Visa for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Apply 31st March 2022 and your cashback will be increased to 2% for the first three months.

Barclaycard Select Cashback credit card

1% cashback (2% for your first 3 months) and no annual fee Read our full review

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