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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? – November 2022 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:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

25,000 Avios for signing up and an upgrade voucher for spending £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £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.

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

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

The Platinum Card from American Express

30,000 points and unbeatable travel benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

15,000 points bonus 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

40,000 points sign-up bonus and a £200 Amex Travel credit every year Read our full review

American Express Business Gold

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

British Airways Accelerating Business American Express

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

Capital On Tap Business Rewards Visa

10,500 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.

Barclaycard Select Cashback credit card

1% cashback and no annual fee Read our full review

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