ANZ Purchase Protection – Will They Cover My Phone Dropped in Water?

LArfv on 09/03/2025 - 05:28
Last edited 09/03/2025 - 20:14 by 1 other user

Hi everyone, I recently bought a Samsung Galaxy S25 using my ANZ Platinum/Black credit card, and it’s been less than 90 days since the purchase. Unfortunately, I accidentally dropped it into a river, and it’s completely water-damaged and unrecoverable.

I know that ANZ’s Purchase Protection Insurance covers accidental damage within 90 days, but I couldn’t find a clear answer on whether water damage or submersion is covered. I’ve seen posts where people successfully claimed for phones dropped on concrete, but nothing about water-related incidents.

From what I read in the policy booklet, exclusions mention things like "failure to take reasonable precautions" and "unexplained disappearance," but water damage isn’t explicitly excluded. Has anyone here successfully claimed for water damage under ANZ’s Purchase Protection?

Would love to hear any success stories, advice on filing the claim, or if you think it’s worth trying.

Thanks in advance

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closed Comments

  • Nutrino on 09/03/2025 - 06:37
    +5

    Unrecoverable, as in, its still on the bottom of the river?.

  • churningNburning on 09/03/2025 - 06:49

    :D

  • onetwothreefour on 09/03/2025 - 07:00
    +4

    Try it, what do you have to lose?

    • CyberMurning on 09/03/2025 - 11:27
      +1

      and report back here to the ozb community please

  • sharkyoz on 09/03/2025 - 07:14
    +4

    Take me to the river, drop me in the water

    • Baysew on 09/03/2025 - 08:54
      +3

      I don't know why you treat me so bad
      Think of all the things that we could have had

    • fantombloo on 09/03/2025 - 10:01

      Yeah first thing I thought, but due to the suspense the eerie taking heads version, not the original.

      • BewareOfThe Dog on 09/03/2025 - 16:16
        +1

        I was referring to the Talking Heads version. Probably one of the greatest live albums, recorded, and the video was great. Even my conservatiove Mum liked it. ;)

  • ihbh on 09/03/2025 - 08:15
    +2

    Will They Cover My Phone Dropped in River?

    I can only think of moral hazard and fraud issues, but see what they say. What's to stop you from dropping replacement phone in river (and selling on Marketplace) and getting another, etc?

  • 87percent on 09/03/2025 - 08:23
    +2

    Sure it’s at the bottom of a river

  • TightAl on 09/03/2025 - 08:25
    +1

    Lol scheming insurance fraud

    • Aureus on 09/03/2025 - 11:37

      How is making an honest claim on insurance considered insurance fraud?

      • fantombloo on 09/03/2025 - 11:51

        It's like people think insurance doesn't cover exceptional events.

      • TightAl on 09/03/2025 - 11:55

        If he was making an honest claim, he would've already made it.

        • Aureus on 09/03/2025 - 12:17
          +1

          To me it looks like OP is just over thinking things and I can't see anything in his post that makes me think he is looking to do a bit of fraud.

  • bargainHunterOz on 09/03/2025 - 09:15
    +2

    ANZ pds, Purchase Protection Exclusions Point#13: your failure to take reasonable care;

  • Fredfloresjr on 09/03/2025 - 09:56
    +1

    Why not just tell them the Piranhas took it. More believable.

    • 87percent on 09/03/2025 - 15:57

      “So I was walking in a river, and a bunch of piranha were being chased by a shark and because I was so scared, I dropped my phone”

      “All this happened when you were at St KILDA beach?”

  • Aureus on 09/03/2025 - 10:17
    -1

    You accidentally damaged your phone and your insurance covers accidental damage.

    Just make the claim. It will take very little time to make the claim, so it is definitely worth trying. Worst case scenario they find a way to weasel out of it, but if they cover accidentally dropping your phone on concrete, I can't see how accidentally dropping it in water is any different.

  • Wiadro on 09/03/2025 - 11:00
    -1

    hi this is ANZ, no coverage,
    thanks bye

  • sumyungguy on 09/03/2025 - 11:00

    Policy covers stolen, accidentally damaged or permanently lost. If you're both a churner and a scammer you're up 3-nil.

  • CyberMurning on 09/03/2025 - 11:26

    ANZ Purchase Protection – Will They Cover My Phone Dropped in River?
    they actually will, but now that you say that out loud on the public forum ANZ probably will say no realising that you not taking good care of the phone

  • CyberMurning on 09/03/2025 - 11:28

    they will, but you need to sign disclosure of staying away 1km at least from any river for the rest of your life

  • CyberMurning on 09/03/2025 - 11:29
    +1

    From what I read in the policy booklet, exclusions mention things like "failure to take reasonable precautions" and "unexplained disappearance," but water damage isn’t explicitly excluded.

    if they have to exclude everything the list could be 1km long and keep growing every single day

    • Aureus on 09/03/2025 - 11:38
      +2

      If they don't cover dropping your phone under accident insurance, then they don't actually really cover anything.

  • ZippyRoo on 09/03/2025 - 12:01
    +1

    I recently went on a trip interstate and accidentally dropped a drone in a fast flowing creek. We couldn't run after it fast enough. It was only bought a month before the trip so I tried to claim it through Amex purchase protection. They told me that the Purchase Protection only covers theft, not accidental loss, but since I was on a trip, I can claim it through the card's travel insurance. I don't remember if Purchase Protection had an excess, but the travel insurance did, however, I still got more than half of the purchase amount back so it was still worth it. Not sure if your situation is similar, but you can always put the claim in and they might help you find a way to get some of your money back.

  • Gdsamp on 09/03/2025 - 13:19

    if your phone 'went for a swim' you had better call saul

  • Drakesy on 09/03/2025 - 13:30
    +1

    That's kinda hard to fathom given these phones are IP rated.

    Either the OP just plain lost it
    Or
    The phone was compromised/cracked to start with.

    My s9+ has fallen overboard from a boat 5+m down submerged for 15-20 minutes
    Still works 2 years later.

    I'd be surprised if accidental/negligent damage was covered.

  • doctordv8 on 09/03/2025 - 15:14

    Of course ask random strangers before asking the company directly involved.

    But for an opinion, you are fully covered for not being responsible with and having a phone near/over a creek, but not a river.

  • GordonD on 09/03/2025 - 15:50
    +2

    This guy was luckier.

    https://www.abc.net.au/news/2025-03-09/phone-lost-at-sea-fou…

    Left his phone in a 10 litre paint bucket on the beach. Not a closed bucket, one open to the weather. He was tired and nodded off, and the tide came in and floated the bucket away. Three days and 20 km of ocean away someone he knew found the bucket with the phone in it, and got it back to him.

    He'd given up on any chance he'd get it back, let alone dry and working, and bought a new phone. Wonder if he could take back the new phone and get a refund.

    • BewareOfThe Dog on 09/03/2025 - 16:26

      I knew a guy, who went fishing January 26th one day on Lake Macquarie, and lost/forgot his Nokia phone.
      He went back to find it but no luck (and he probably had a few more beers).
      The following year, on the same day, he went back to the same spot, cast a line, sat down, and put his hand on the ground, and felt something on the ground.
      Yes, it was his phone, which of course, like any Nokia exposed to the elements didn't work.

  • ModeratorRichardL on 09/03/2025 - 20:00

    Comments closed as per OP request.

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