My Curve Metal mobile phone insurance pays out

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? – September 2023 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 February 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:

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: The sign-up bonus on the Virgin Atlantic Reward+ Mastercard is doubled to 30,000 Virgin Points if you apply by 2nd October. You receive 15,000 Virgin Points with your first purchase and a further 15,000 points if you spend £3,000 within 90 days. Apply here.

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:

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.