What to do when your cell phone is stolen?

So what do you do if your cell phone is stolen? Well, the first thing was to have the account blocked from use. Fortunately this was easy to do. As for the phone, so far nobody wants to help cover the expenses. When I contacted Swisscom (the service provider) they said that they would replace the SIM card for free but that I had to buy a new phone at full cost.

Now I am worried who might cover the loss by theft. When I asked Swisscom if there was any theft coverage they said no, I should contact my home insurance company. When I asked if they could at least print out the value of the cell-phone they said no, but that I could take a magazine of current phones and send that to the insurance company. I pointed out that my phone was not in the catalog but they said that was the best that they could do.

So now I am having to contact my home insurance company to see if they will cover a phone that I received as part of a 2 year service contract, the phone of course was received at next to no value (because the service contract should pay the cost. If they could have attached a value to the phone I could have used the automatic coverage of my credit card.

As for Swisscom, they end up coming out as the loosers as I was paying the value of the phone almost every month in call fees. Now they get nothing since I have no phone, only a SIM card. Somehow this makes economic sense to them. For me it would actually be cheaper to go to another provider and get a phone from them (assuming that nobody helps to cover the cost of the replacement.)