My wife and I will be looking to renew our unlimited contract and we're going with the rezound. Since replacing these phones (as a result of loss or damage) is becoming increasingly expensive, I'm looking to see which vendor has the best insurance package. Can anyone shed some light on what's available? I don't mind spending an extra $50 for the device (for example Best Buy at $300 vs. Amazon at $250) if the insurance will protect us better.
What insurance has the community gone with to minimize replacement expenses in the case of a lost, stolen or broken device? And please don't say "just don't lose or drop your phone."
Thanks!
JTF2007 said:
My wife and I will be looking to renew our unlimited contract and we're going with the rezound. Since replacing these phones (as a result of loss or damage) is becoming increasingly expensive, I'm looking to see which vendor has the best insurance package. Can anyone shed some light on what's available? I don't mind spending an extra $50 for the device (for example Best Buy at $300 vs. Amazon at $250) if the insurance will protect us better.
What insurance has the community gone with to minimize replacement expenses in the case of a lost, stolen or broken device? And please don't say "just don't lose or drop your phone."
Thanks!
Click to expand...
Click to collapse
I just was doing some research about this also since I was not happy with my experience with Asurion. After looking around I found "Securranty" that insures phones also. Doesn't matter to them where you buy the device. They claimed on the call with me they will still warranty an unlocked phone. The price seemed fair and I couldn't find anything bad about the company while digging around which seemed crazy. Couple things that should be noted is they are fairly new so they just started retailing insurance like 2 years ago. Probably why there isn't much feedback on their service. Also they do have deductibles that should be looked at (the size of the deductible depends on the claim). You can find all that info on their website. I have never used this company before but I am insuring my Rezound through them.
you should look into squaretrade as well.
I know this might not be the most cost effective choice and I'm still open to change but... I use Verizon's full insurance coverage (mostly through Asurion) because if I have mechanical failure, I can just bring it to a Verizon store and get a replacement on the spot (at least that's my understanding).
As for loss/theft, I have to depend on Asurion. I have had one experience with them many years ago and it was fine. Although, I don't know my deductible but I'm sure it's high.
That's my arrangement now.
Best Buy has black tie. Kind of like Asurion but no deductible.
Shahaed said:
Best Buy has black tie. Kind of like Asurion but no deductible.
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Click to collapse
What is the monthly payment?
nrfitchett4 said:
you should look into squaretrade as well.
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Click to collapse
Ok, I checked Squaretrade. It looks like $124 for two years for any Android phone. That's $5.17/month. I am paying $7/month so that's a $1.84 savings. It pans out to saving about $44 over 2 years.
That's a reasonable savings but ... it says it pays for 100% of repairs. Where do you get a phone repaired? (I hope that's not too stupid of a question)
PaulQ602 said:
Ok, I checked Squaretrade. It looks like $124 for two years for any Android phone. That's $5.17/month. I am paying $7/month so that's a $1.84 savings. It pans out to saving about $44 over 2 years.
That's a reasonable savings but ... it says it pays for 100% of repairs. Where do you get a phone repaired? (I hope that's not too stupid of a question)
Click to expand...
Click to collapse
Yea, but it also says 100$ replacement fee, which means if you replace it once, your paying the same for 2 replacements through verizon. So technically you aren't saving any money... just food for thought.
---------- Post added at 01:27 AM ---------- Previous post was at 01:25 AM ----------
Coverage Details
2 years of coverage: The SquareTrade Smartphone warranty covers your Smartphone for up to 2 years, starting on the date of purchase.
Covered Issues: Both accidents (e.g., broken screen or other damage through drops AND liquid damage including full immersion) and out-of-warranty normal use failures (e.g.,hardware failures or malfunctions) are covered. We do not cover loss, theft, willful damage or damage occurring through gross misuse.
Deductible: A $99 Deductible applies to all claims.
Repair or Replacement: Based on what happened to your Smartphone, we will let you know if it's suitable for repair, otherwise we will arrange a replacement option.
Older Smartphone: This coverage is restricted to Smartphones purchased in the last 30 days. Older Smartphones can still be covered through the SquareTrade App.
Our 5-day service guarantee: We will replace OR fix and ship back your Smartphone within 5 business days of receiving it at the depot. If it takes longer, let us know and we'll be happy to refund the cost of your warranty.
Warranty Terms & Conditions
SquareTrade Android Warranties are underwritten by Wesco Insurance Company, an AmTrust Group Insurance Company rated A (Excellent) by A.M. Best.
This is strait from their page. It says they don't cover lost or stolen phones either. I would stay away from them and try with securranty. They seem to be a better deal. Or stay with asurion.
I think that fact that Securranty says they will replace an unlocked phone is a big deal and should be a consideration. I'm not positive but from what I could find the other companies don't say they will do that.
There are a lot of coupons for squaretrade that will save you 30%. Just google it.
drynyks said:
I think that fact that Securranty says they will replace an unlocked phone is a big deal and should be a consideration. I'm not positive but from what I could find the other companies don't say they will do that.
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I think you might be thinking about warranty service, not insurance. I've never had a problem with insurance replacing something that wasn't covered under warranty service(water, physical damage, etc).
I've gotten Square Trade for other items, never had to file a claim, but for phones they barely cover anything and with their deductible I don't think it's worth it at all. I was going to go without rather than get theirs.
I might sign up for Securranty though. I've never actually lost or broken a phone so I'm hesitant to bother with insurance, but considering this is $650 to replace and I only paid a penny I might do it. Looked into Assurion and seems you have to sign up within 30 days from purchase date, I don't remember seeing that at the time of purchase. With Securranty you have up until 90 days before mfr warranty runs out but if you get accidental damage or loss/theft there's a waiting period for that.
Also, you should be able to find a coupon online for Securranty for about 10-15% off if they are still valid and working.
I spoke to Securranty today, and signed up after speaking to them for about 15 minutes. Two years cost me $150, and they gave me a coupon code for 15% off, bringing two years down to 122. They've got an A rating from the Better Business Bureau, and you can cancel anytime. They told me they'll warranty a rooted phone no problem, and showed it to me in writing on their website. As for deductibles, if there's a warranty issue related to hardware, there's no deductible and you get unlimited claims of this type. Plus, if you have 3 of the same claims for the same problem, you're eligible to have it replaced with a different phone. If you damage your phone, or even fully submerse it in water, the deductible is $50, and you are limited to 3 of these a year. If you lose your phone, or it's stolen, the deductible is $145, and you only get one of these, but that's not a problem for me, since I've never lost a phone. Just some information for those interested.
Evo4gLI said:
If you damage your phone, or even fully submerse it in water, the deductible is $50, and you are limited to 3 of these a year.
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According to the Securranty website under their FAQ's>Claims FAQ>How much is my deductible?:
Accidental Damage and Handling claims (ADH): $50
Full Immerision Deductible: $145 <<-- Submerse in water
Loss and Theft claims (LT): $145
I do my business at TCC- The Cellular Connection. They have locations throughout the country so I'm sure there is one near you. Being its a third party store, they set their own prices...often offering a discount on a phone if you buy their insurance , which is $99 for two years....no monthly bill. The deductible for a NEW phone is only $40...promised brand new...when I shattered my DINC's screen, I got a brand new DINC2(*fantasizing about what future 4G HTC phone I will get for 40 bucks in the future ). The insurance covers everything, from water damage, lost/stolen/broken screen. Another thing I like about TCC is I can wheel and deal! lol...go ahead, cut em down on a cell phone case!
They also do price comparisons which is cool...I got the nexus on launch day for $185 after telling them about amazon's price...and when I exchanged the nexus for the rezound, they kept the price and simply sent me on my way with the rezound...no restocking fee either :]
to find a location - http://www.ecellularconnection.com/
not2gutta said:
I do my business at TCC- The Cellular Connection. They have locations throughout the country so I'm sure there is one near you. Being its a third party store, they set their own prices...often offering a discount on a phone if you buy their insurance , which is $99 for two years....no monthly bill. The deductible for a NEW phone is only $40...promised brand new...when I shattered my DINC's screen, I got a brand new DINC2(*fantasizing about what future 4G HTC phone I will get for 40 bucks in the future ). The insurance covers everything, from water damage, lost/stolen/broken screen. Another thing I like about TCC is I can wheel and deal! lol...go ahead, cut em down on a cell phone case!
They also do price comparisons which is cool...I got the nexus on launch day for $185 after telling them about amazon's price...and when I exchanged the nexus for the rezound, they kept the price and simply sent me on my way with the rezound...no restocking fee either :]
to find a location - http://www.ecellularconnection.com/
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Click to collapse
I know where a couple of those are around here. I thought they were affiliated with Sprint though. Guess I was wrong. Seems like a good deal though for sure! I might swing in one tomorrow and see what all they offer. It would be nice to switch all 4 of my lines away from Assurion. $400 up front would be nice to cut, especially when I am paying what $6.99 * 4 * 24 = $671. Does it carry over to your next device? I don't plan to have a Rezound in 2014, just saying, lol.
not2gutta said:
I do my business at TCC- The Cellular Connection. They have locations throughout the country so I'm sure there is one near you. Being its a third party store, they set their own prices...often offering a discount on a phone if you buy their insurance , which is $99 for two years....no monthly bill. The deductible for a NEW phone is only $40...promised brand new...when I shattered my DINC's screen, I got a brand new DINC2(*fantasizing about what future 4G HTC phone I will get for 40 bucks in the future ). The insurance covers everything, from water damage, lost/stolen/broken screen. Another thing I like about TCC is I can wheel and deal! lol...go ahead, cut em down on a cell phone case!
They also do price comparisons which is cool...I got the nexus on launch day for $185 after telling them about amazon's price...and when I exchanged the nexus for the rezound, they kept the price and simply sent me on my way with the rezound...no restocking fee either :]
to find a location - http://www.ecellularconnection.com/
Click to expand...
Click to collapse
Hm... they're not in my area. I emailed them to ask if I can get insurance through them.
feralicious said:
Hm... they're not in my area. I emailed them to ask if I can get insurance through them.
Click to expand...
Click to collapse
Not in Phoenix either. :-(
...Sent from my Tab
Crazy, there are 6 stores in South Bend/Mishawaka alone, lol.
I work for best buy mobile and can give you some information on our insurance. Gonna give you the good and the bad since no insurance is perfect.
-$9.99 a month
-No deductible ever
-Unilimited number of claims
-Loaner phone issued when phone is out to service
-Covers the battery, physical, water damage and wear and tear.
-Does not cover cosmetic damage (things that don't affect the functionality of the phone, like scuffs or scratches on the device)
2 options when your phone is broken:
A) Do what is called "Rapid Exchange" where a replacement phone is sent. This replacement phone can be a new one, a refurbished one, or a phone another customer returned because they didn't like it, it gave them issues, etc. There is absolutely no way to tell what kind of phone you will get. Your replacement phone arrives within 4 business days, 98% of the time. 9 out of 10 times, the replacement phone has no issues and you can't even tell it's refurbished. But I have seen bad phones come back.
B) You can ask for your phone to be repaired. This can take anywhere from 2-5 weeks, but the good thing is you will get your phone back, not a replacement phone. Keep in mind you do have a loaner phone during this time, but there is no guarantee this phone will even be a smartphone.
Since there is no deductible, Best Buy doesn't cover loss or theft, you have to be able to bring the phone into the store. Also, technically speaking and according to the legal terms and conditions, it is possible for a phone to be "too damaged" to be accepted under the insurance. The definition of "too damaged" depends on who's working and what mood they're in. Also, most best buys won't accept your phone if it's obviously rooted (i.e. de-sensed). Try to restore it before taking it in. Those are my 2 cents, PM with any specific questions.
Related
It is $6.99/month through vzw right?
What is the deductible? What does/doesn't it cover?
Has anyone ever used squaretrade? Its 99.99 for two years of Premium Smartphone Coverage (up to $600.00) Accidental damage claims = $50 deductible.
http://www.squaretrade.com/pages/cellphone-landing3
Any other options out there?
i got it, it is a 100 dollar dectuable for 2 replacements(maybe 2 in a 1 yr timespan)
I think it is worth it so you dont have to shell out 600 dollars for it if you break it
Nope. I do not get insurance. I am on a 1 year contract... no sense in paying the extra $7 per month and a $100 deductible. Pass.
Squaretrade is great. Definitely recommended. Just remember they don't cover loss or theft.
I have used insurance at least twice. I always get it. I have Square trade on my laptop but it takes a few days to get a new phone.
I have never used verizon. The price is 5.00 per month for the insurance and 1.99 for the extended warranty. The deductible is a little bit more than square trade but I know for a fact that assurion will overnight you a new phone ASAP.
Assurion does protect you from loss and theft!
I always buy insurance on my phones through Verizon. It covers almost everything including loss and theft. They don't ask too many questions when submitting a claim. A new phone is shipped next day air.
Sent from my ADR6400L using XDA Premium App
That is true, I forgot this is for a phone where it's mission critical to get a replacement.
Generally it's great if you can live without it for a few days.
Verizon insurance problems:
1. If the water sensor is triggered they wont cover your phone,(aka you enter a moist environment(shower rainstorm ect) and it doesnt break your phone, but your phone dies later for something else and your still not covered)
2. If you Ever have dropped your phone, then they refuse to cover it.
basically your giving them 5-7 a month to be covered against software issues imo.
I'm using best buy coverage, $10 a month anything happens to my phone and i can bring it in for a new one. only thing not covered is theft.
Do Verizon/assurion or squaretrade give you a new phone or refurbished? I had problems with Sprint and their constantly changing policies with my evo. I was sent a refurbished replacement for $35 which was very poor quality, the evo was known for screen separation issues, hairline cracks on the edge of the phone, etc. Sprint sometimes makes people take their phone to a store and wait hours, tried to tell me it was water damaged from 'probably humidity from my pocket' and it was generally unpleasant getting anything repaired or replaced. How does it work for various claims, repairs, etc
Sent from my ADR6400L using XDA App
Silvus said:
Verizon insurance problems:
1. If the water sensor is triggered they wont cover your phone,(aka you enter a moist environment(shower rainstorm ect) and it doesnt break your phone, but your phone dies later for something else and your still not covered)
2. If you Ever have dropped your phone, then they refuse to cover it.
basically your giving them 5-7 a month to be covered against software issues imo.
I'm using best buy coverage, $10 a month anything happens to my phone and i can bring it in for a new one. only thing not covered is theft.
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Click to collapse
They cover lost or stolen so why would they care of it was liquid damaged or dropped? I think you may be mixing up insurance and the extended warranty.
Sent from my ADR6400L using XDA App
I have gotten both new and refurbished phones from Asurion. I had one problem with the refurbished, and they sent me back another new one the next day free of charge. If you spend the money to get a thunderbolt, you might as well dish out that 6.99 a month for insurance. They protect against everything and charge a $50 deductible. Well worth it imo as I have used them 3 times with my old Moto Droid. Lol.
As a Verizon Wireless employee I'd like to cover this topic, as there are some COMPLETELY wrong bits of information, particularly the water part.
Insurance is through Asurion, they do the replacements. Standard Wireless Phone Protection (WPP) is now $5.18 per month and covers lost, stolen, or damaged (in any way) phones.
Phones come with a one year warranty which covers manufacturer defects. If your device is having issues like buttons not responding, constant freezing, resets, power issues, glitchy software, etc, we will go through troubleshooting steps to get this fixed. If not, you will get a Certified Like-New Replacement (CLNR). If we don't have any CLNRs available, you will likely get a new phone, or possibly an alternate-like device, these situations are rare and are taken on a case-by-case/phone-by-phone basis.
You can extend the warranty alone for $1.99 a month. This will cover your phone as long as it stays on your account, and as long as it's a warranty issue, of course.
You can get WPP and extended warranty, called Total Equipment Coverage (TEC) for $6.99 a month, so in this case the extended warranty part only adds on $1.81 a month. This will cover you with anything while it's still on your account.
I cannot comment on the claim limit through Asurion. They have their only policies they go by. From my understanding there is a claim limit within a certain time frame and if you reach it, they'll have to remove your coverage eventually. You'll be notified and of course have the monthly cost removed from your bill.
Deductibles just changed, so don't hold me to this but I believe feature phones (lol) are $45 to replace, and smartphones are $99 to replace. There's no additional cost for shipping, and if you get your claim finished before 12am on any day, you'll have it the next day. They're very fast.
While the deductibles went up $5-10 or so, the monthly cost decreased which I feel is better phone most as you likely won't need to use it, so you're spending less in the long run.
As for insurance on my account, it's only on my parents' lines.
Hell no
10char
Silvus said:
Verizon insurance problems:
1. If the water sensor is triggered they wont cover your phone,(aka you enter a moist environment(shower rainstorm ect) and it doesnt break your phone, but your phone dies later for something else and your still not covered)
2. If you Ever have dropped your phone, then they refuse to cover it.
basically your giving them 5-7 a month to be covered against software issues imo.
I'm using best buy coverage, $10 a month anything happens to my phone and i can bring it in for a new one. only thing not covered is theft.
Click to expand...
Click to collapse
The water thing on the thunderbolt is just on the battery though. Unless there is one hidden away inside or something, you could just get a new battery.
I did get the insurance, though I normally don't. Not sure why I did, but if I ever have any sort of problem, I'll be able to get another phone quickly which is nice.
Silvus said:
Verizon insurance problems:
1. If the water sensor is triggered they wont cover your phone,(aka you enter a moist environment(shower rainstorm ect) and it doesnt break your phone, but your phone dies later for something else and your still not covered)
2. If you Ever have dropped your phone, then they refuse to cover it.
basically your giving them 5-7 a month to be covered against software issues imo.
I'm using best buy coverage, $10 a month anything happens to my phone and i can bring it in for a new one. only thing not covered is theft.
Click to expand...
Click to collapse
Unless they have changed their policies recently I think oh are.wrong. my last phone got replaced after it got put in the washer.
I would highly recommend getting a rider policy from your insurance provider. I have a policy that covers my Canon DSLR my bicycle (don't laugh it is worth more than my car), and my phone. This coverage costs me only a few dollars per month and will not effect my homeowners premiums if I need to use it. It does have a $100 deductible, but it is well worth it. They will replace the phone at full retail cost.
Dan
Picolini said:
As a Verizon Wireless employee I'd like to cover this topic, as there are some COMPLETELY wrong bits of information, particularly the water part.
Insurance is through Asurion, they do the replacements. Standard Wireless Phone Protection (WPP) is now $5.18 per month and covers lost, stolen, or damaged (in any way) phones.
Phones come with a one year warranty which covers manufacturer defects. If your device is having issues like buttons not responding, constant freezing, resets, power issues, glitchy software, etc, we will go through troubleshooting steps to get this fixed. If not, you will get a Certified Like-New Replacement (CLNR). If we don't have any CLNRs available, you will likely get a new phone, or possibly an alternate-like device, these situations are rare and are taken on a case-by-case/phone-by-phone basis.
You can extend the warranty alone for $1.99 a month. This will cover your phone as long as it stays on your account, and as long as it's a warranty issue, of course.
You can get WPP and extended warranty, called Total Equipment Coverage (TEC) for $6.99 a month, so in this case the extended warranty part only adds on $1.81 a month. This will cover you with anything while it's still on your account.
I cannot comment on the claim limit through Asurion. They have their only policies they go by. From my understanding there is a claim limit within a certain time frame and if you reach it, they'll have to remove your coverage eventually. You'll be notified and of course have the monthly cost removed from your bill.
Deductibles just changed, so don't hold me to this but I believe feature phones (lol) are $45 to replace, and smartphones are $99 to replace. There's no additional cost for shipping, and if you get your claim finished before 12am on any day, you'll have it the next day. They're very fast.
While the deductibles went up $5-10 or so, the monthly cost decreased which I feel is better phone most as you likely won't need to use it, so you're spending less in the long run.
As for insurance on my account, it's only on my parents' lines.
Click to expand...
Click to collapse
So what is the advantage of getting WPP and the extended warranty?
Would pretty much anything that happens to your phone be covered under WPP?
Will the WPP or Extended Warranty cover activation of the new phone?
I'm of the mind that, if it's gonna break (under warranty), it's gonna break within the first few months, cause that's when you beat the hell out of the phone. So for me, especially, extended warranty is pretty much meh.
The insurance for lost / theft though might be actually worth it. I've never lost a phone... I've never dropped a phone... but if, I broke my phone, I'm sure I could lose it pretty damned fast.
For $125 for the length of my contract (monthly fees), plus the potential to replace my phone twice for total of $200, I think it's worth it. Out of pocket if I needed to replace this phone twice in contract would be $325. This thing retails for what, $600?
I'll be picking up the insurance tomorrow
Please correct me if this is the wrong way to look at this. Usually, I don't pick up insurance or extended warranties.
dan0matic said:
I would highly recommend getting a rider policy from your insurance provider. I have a policy that covers my Canon DSLR my bicycle (don't laugh it is worth more than my car), and my phone. This coverage costs me only a few dollars per month and will not effect my homeowners premiums if I need to use it. It does have a $100 deductible, but it is well worth it. They will replace the phone at full retail cost.
Dan
Click to expand...
Click to collapse
My bike is worth twice what my car is worth as well. I don't like the phone on home owners though, it shows as a claim and can cause a rate increase.
The insurance seems a little pricey but the first time you drop your phone in the toilet, or wash it in your pants (maybe your wife did it) or your dog eats it, or its in your lap and you get out of the car and it smashes into the pavement, destroying your beautiful screen, and you then you go into Verizon for a replacement, and they want 599.99 plus tax to replace it, you will think that the 5.15 per month (thats roughly 120$ over two years, plus a $99 deductible = 219) wasn't such a bad idea after all.
I mean the price of the insurance is what I would pay for one single drink at a bar on Friday night. I can handle that fee once per month for the peace of mind of knowing that if something bad happens to my expensive phone, I can replace it.
I insure all of my electronics that cost $500 or more.
my digitizer broke last night. i been chatting with a few reps, calls, in store, they wont do it. wtf. i pay $8 a month for no damn reason. that physical damage they should be able to cover it without that freaking 100 deductible for replacement i need it repaired not replaced at this moment i am willing to resign my contract with them so freaking frustrated
Gillw202 said:
my digitizer broke last night. i been chatting with a few reps, calls, in store, they wont do it. wtf. i pay $8 a month for no damn reason. that physical damage they should be able to cover it without that freaking 100 deductible for replacement i need it repaired not replaced at this moment i am willing to resign my contract with them so freaking frustrated
Click to expand...
Click to collapse
Tough luck, unfortunately. I remember I had to get a PSP for sister's birthday. It was in 2 weeks. She opens the box and screen is cracked. The weird part is, the casing is perfect, but the LCD itself is cracked. I go back to Best Buy, and there's nothing they can do, since the thing left the store and 2 weeks passed. I had to buy another one.
Think about it yourself. If you were Sprint, would you think that screen miraculously just broke, or the person in front of you simply trying to avoid paying a deductible?
It's a crappy deal, but it happens.
I'd be pissed
Sent from my PG86100 using XDA App
yeah, i'd keep complaining
How does the $8 insurance NOT cover this?
Take it to another Sprint store.
That's complete BS that they wouldn't replace it.
Gillw202 said:
my digitizer broke last night. i been chatting with a few reps, calls, in store, they wont do it. wtf. i pay $8 a month for no damn reason. that physical damage they should be able to cover it without that freaking 100 deductible for replacement i need it repaired not replaced at this moment i am willing to resign my contract with them so freaking frustrated
Click to expand...
Click to collapse
how did it break?
oohaylima said:
How does the $8 insurance NOT cover this?
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Click to collapse
The $8 insurance does cover this, he does not want to pay Asurion the $100 deductible to have it replaced. The OP does not want to give up his phone for a replacement and pay the deductible of insurance. Instead he wants a service center, if thats actually where he is going to, and not just a regular store front, to fix it for him.
Service centers (in store) have the ability to fix stuff, and generally they do repairs on stuff that is warrantied thru the manufacturer. Key word is Warranty, ie manufacturers defect.
PHYSICAL Damage, ie broken glass, lcd, water damage, are not covered by this and must be dealt with thru insurance provided by Asurioun.
Bottom line is if the screen is broken in the wireless industry thats considered Physical Damage and not covered by any warranty. Not covered by any instore repair or exchange.
This is coverd thru the insurance agency via replacement thru the mail and a deductible.
---------- Post added at 09:47 AM ---------- Previous post was at 09:42 AM ----------
Gillw202 said:
my digitizer broke last night. i been chatting with a few reps, calls, in store, they wont do it. wtf. i pay $8 a month for no damn reason. that physical damage they should be able to cover it without that freaking 100 deductible for replacement i need it repaired not replaced at this moment i am willing to resign my contract with them so freaking frustrated
Click to expand...
Click to collapse
Actually let me get some clarification.
The digitizer is the unseen part of the Glass that responds to touch.
Is the Glass broken or intact?
If the glass is intact, and your device is not responsive to touch, and has no liquid or physical damge then yes the service center should repair/replace that device in house.
If the GLASS is broken, that then suggests physical damage. Regardless of the digitizer working or not, if the glass is broken they arent obligated to fix it. That now falls under Physical Damage / Customer abuse, voids all warranty, and is up to you to use Asurion / File the insurance claim, pay a deductible and get a replacement.
thats crazy that its broken... Had a similar problem on my OG EVO, however Asurion upgraded me to the 3D, so the 100$ deductable was worth it (for me)...
I wonder if you paying a repair center to fix it, would be less than 100$?
Yeah, it's pretty universal for every carrier (I'm actually a tech in a Sprint service center right now, but I've worked for others).
If it stops working but there's no actual damage to it (cracks, liquid, etc) it's considered a failure. With Sprint specifically, if you have the $4 or $8 plan it's a free replacement or repair. If you don't, it's $35 or you can go through the manufacturer if it's still under their warranty. Other carriers will usually have a replacement through the mail program. With those, if you send them back a phone that's been damaged as opposed to failed, they'll ship it back and bill you the full price of the replacement.
If the phone's been damaged (or lost) that's a different story. As far as I know, every carrier uses Asurion, and that's a $50 or $100 deductible depending on the phone. The analogy would be car insurance - if your car breaks when it's under the warranty, they fix it free. If you crash your car, you pay a deductible to get it fixed.
Since screens don't ordinarily crack on their own, that's considered user damage and you have to pay for it.
And incidentally, if it had failed but not been damaged, they would have still had to order you a refurbished replacement (for free) since Sprint isn't shipping out digitizers.
Stuff like this sucks I have a 2 week old $1100 Toshiba laptop that the main board took a dump and the lcd and no one will do anything about it. It's one big brick
Sent from my PG86100 using XDA App
bryce850 said:
Stuff like this sucks I have a 2 week old $1100 Toshiba laptop that the main board took a dump and the lcd and no one will do anything about it. It's one big brick
Sent from my PG86100 using XDA App
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You might be able to find you mb online for a cheap price along with your lcd. The mother board and screen are easily replaced with the correct tools, patience,and a little nerve. I've done a few myself and the process isn't that time consuming either. If you can track down the parts for the right price I'd say give it a shot if your up to it. If not you can always sell the processor, ram and hd for parts or keep them as a backup. Just a thought and sorry for your loss. I had a laptop mb crash on me so I know its a frustrating ordeal.
Locked & Loaded
""shooter on Deck""
Don't listen to them, one time i broke the screen on my palm pixi(old phone which i had insurance on), went to the sprint store nearest to me they no can do, so i went to the one a little further away and they replaced it... it really depends on who you talk to.
Sometimes key thing is the way u talk. I find it they been stressed with the *****ing of other people. Be nice ask how is your day etc. Sometimes it works and they will go ahead and help as much they can. I have people try their hardest to help long after I given up.
Sent from my PG86100 using XDA App
My digitizer was malfunctioning and they replaced the screen. The glass was intact but wan't responsive most of the time. I didn't have to pay a dime. If you broke the screen, your probably out of luck and will have to pay the deductable to get it replaced. Or you can purchase a new screen and replace it yourself. I'm not sure if it's all you would need but they sell them on Amazon. I haven't posted enough here to give you the link.
I will agree it depends on the Sprint repair store you go to. The one right by me has an evo with a shattered screen, and the sign says "We can fix this". They are a corporate sprint store, and have always been really good with customer service.
yea the sprint store around here will fix it also but it cost 75 bucks to get it fixed just pay it u broke the screen thats what insurance is for you pay 100 dollar deductable so u dont have to pay 600 for a new phone call them tell them you lost it and then u will get to keep the old one and im sure you can find someone on craigslist that will give ya a little cash for the broken one prolly fix it themselves and flash to cricket
As mentioned, it depends on what store you go through and how you talk to people. I took my OG Evo to the Sprint service store because a piece of the case just broke for no reason and had them look at it, they took it back and put a new housing on it and told me that they are not suppose to repair physically damaged phones but they did me a favor.
If you don't want to pay $100 then get a Digitizer from ebay, a tool kit and do it yourself. You would be amazed what you can do on your own and save a buck.
erick1499 said:
Don't listen to them, one time i broke the screen on my palm pixi(old phone which i had insurance on), went to the sprint store nearest to me they no can do, so i went to the one a little further away and they replaced it... it really depends on who you talk to.
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This is very true with sprint. I have insurance and been in multiple stores for different issues. Once u find a certain store that does things the way u like, stick to that store. I have had probably 6 or 7 devices replaced(some of them the same model) and 2 upgrades done without ever paying a deductible. Some stores wouldn't do anything some would tell me I have to file with assuron, this tore looks at what I bring in and if is hardware problem takes care of me no questions asked. Hopefully they never change.
If ur ever trying to dispute something over the phone and someone isn't telling u what u want to hear, hang up and call back u will probably get another call center with different beliefs. I've had people knock 75 dollars off bills for some bs the kids did right after other people tell me there is absolutely nothing that can be done
Sent from my PG86100 using XDA App
Not sure what you mean by 'broke"? The glass is broke, or it doesn't work properly broke? Yes if the glass is broken that they say they wont replace it. If it doesn't work properly then that is covered under your 1 year warranty by HTC.
Now if the glass is broke how do you expect them no believe that you didn't drop it? How many people do think show up/call with broken screens and say it just broke? Now with that said I have seen them break on airplanes.
Use your insurance or go to a store and be really nice.
hi, ive just purchased the galaxy s3 and i was looking to get it insured, i was wondering if anyone could recommend a company that is hassle free to buy and also to claim, as i have read a few horror stories about protectyourbubble.com when it comes to making a claim.
i was looking at gadget-cover.com and it seems hassle free to buy the insurance, but i was just wondering if anyone has experienced having to make a claim from them?
thank you in advance for any replies
Mine is inspired through my bank. Lots of accounts now you pay a little extra and they insure the phone for pretty much everything. I'm with Lloyds. I work for a mobile phone company and I've seen all sorts of insurance things and banks usually tend to just give you the cash to buy a new handset which is good as you may fancy a change or an update or whatever
Sent from my GT-I9300 using XDA
thanks for your reply mate, what all do you need to do to get it insured with the bank? do you need to go in with the receipt for the phone ect..?
thank you
Think you just provide model and IMEI
Sent from my GT-I9300 using xda premium
I'm a gambler myself, because I figure what I've saved in not taking extra insurances over the years(except home insurance) has easily saved me enough to buy this phone, Tv, computer and probably a holiday or 2.
Myself and the wife use this company
http://www.gadget-cover.com/
we insured my S3 and her new HTC sensation xe (both on contract) for £10 quid a month for both,i thought that was a pretty good deal for a fiver each
Was it cheaper to use gadget cover? When I purchased my sg3, O2 said they can add insurance for an extra 5€ a month on my bill and I can cancel it anytime.
thanks for the replies
i just read something about gadget cover only covering up to £150, is that correct?
have you ever had to make a claim from gadget cover before chriskinectic? as protect your bubble are really cheap aswell but i have read some horror stories about them being a pain to claim from and they do anything not to pay out, so im thinking all these cheap companies could all be the same.
thanks in advance
Lpuboy87 said:
Was it cheaper to use gadget cover? When I purchased my sg3, O2 said they can add insurance for an extra 5€ a month on my bill and I can cancel it anytime.
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@Lpuboy87 , my wifes sensation is with o2 we had ALOT of trouble with them with regard to the insurance,first they said its was £6 per month,so we took it out with them,then we noticed the bolt on had no insurance cover so phoned them and they said the phone couldnt be insured for £6pm , the price was actually £7:50,so we agree to that and then weeks after noticed the bolt still told us the phone wasnt covered,phoned them again and again was told the price had increased to £10 per month,my wife told them to cancel all the insurance we would find it cheaper online , 2 weeks later we received a letter saying the phone was now insured at £10pm
phoned again and vented our annoyance and made sure the insurance was fully cancelled for good.
@rossm1873 No ive not made a claim before as i only joined them last week,ive never read that they only cover £150, can you link me to a page please ?
reading the PDF they supplied by email i see no mention of the 150 limit,but it does say you could be limited to one claim per year and the value paid out depreciates as the phones value depreciates over time
WHAT WE WILL COVER
A. Accidental Damage
We will pay repair costs if your electronic equipment is damaged as the result of an accident.
B. Theft
If your electronic equipment is stolen we will replace it. Where only part or parts of your electronic equipment have been stolen, we will only replace that part or parts.
C. Accidental Loss
If you selected the option to pay an additional premium and cover your mobile phone for accidental loss, then if you lose your mobile phone or PDA we will replace it. This will be shown on your schedule of insurance. No other electronic equipment is insured for accidental loss.
D. Breakdown
We will pay repair costs if your electronic equipment is damaged as a direct result of electrical or mechanical breakdown occurring outside of the manufacturers guarantee period. This cover is not available on computers / laptops.
E. Fraudulent Call Use
If your electronic equipment is a mobile phone, is lost or stolen, and covered by your policy, we will refund the cost of calls made from the mobile phone after the time it was lost or stolen up to a maximum of £100. Itemised bills must be provided.
CLAIM LIMITS
1. This cover is limited to one replacement per year, and up to the amount specified in the Insurance Schedule
2. All electronic equipment reduces in value over time. To reflect this, where a piece of electronic equipment is replaced following a valid claim, we will reduce the benefit under this policy on a sliding scale applied at a rate of 10% per year from the end of year 2, up to a maximum of 70% reduction in original cost for electronic equipment of 9 years or older.
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and the policy has an excess of 75quid
hope that helps
ah alright, so O2 was giving you the run around. One person says one thing another says something else. When I got the insurance on my phone, I got copies of the agreement for my phone to be 5€ a month insured. We shall see what happens in the end.
Basically yeah , so we just cancelled and went with some one else
bank of scotland/halifax do an ultimate reward account that gives you phone insurance for you and one other person in your house (have to set up joint account though) for £15.
But the excess is only £30.
It covers everything (calls, phone, accidental damage, loss theft etc)
you also get other benefits like worldwide travel insurance (basic) and RAC cover so it works out to be a good deal.
hboos said:
bank of scotland/halifax do an ultimate reward account that gives you phone insurance for you and one other person in your house (have to set up joint account though) for £15.
But the excess is only £30.
It covers everything (calls, phone, accidental damage, loss theft etc)
you also get other benefits like worldwide travel insurance (basic) and RAC cover so it works out to be a good deal.
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Completely forgot to reply to the OP
Yeah with lloyds its about £12 per month, and that includes all sorts of goodies, travel insurance, phone insurance, AA breakdown etc, and my excess is only £30
I didnt have to provide a receipt no, just contract start date/end date (if applicable) IMEI, make and model
Hope you sort something out, having seen all the negative comments about o2 insure, I feel bad that I have to provide mobile phone insurance! Ive seen all the problems before myself, usually its just miscommunication and misunderstandings, but its a pain in the a**e to fix, because as we know, insurance companies love to pay out lol
So here is the scenario:
last year i upgraded from the EVO 4g to the EVO 3D. with in the thirty days my phone had weird software issues so i got a brand new replacement for free through the store after talking with a sprint rep. two weeks after that i dropped the phone and the outer metal ring bent. i lived with it until about 2 months ago when i took it off completely. a month after that the phone refused to charge using a regular charger i had to connect wires to the battery and charge it that way.
i went into the store and told the sales lady it wouldn't charge she looked at the phone and said for me to call insurance to get a new phone because even though my issue was unrelated to the missing ring my phone was too badly damaged for her to touch it. (this is the same store where a year and a half ago i went to after i accidentally ran my phone over with my car "dont ask", they replaced it for free then.)
After the store visit i called sprint and spoke to one of their representatives and they sent me out a new phone for free. i noticed that the ring has a different design (i wonder why) but i have had this phone for 2 weeks and was about to go back to store because its a referb, the touch screen sucks and the bottom lights don't illuminate sometimes. right before i was going to bring it in for replacement it got wet and now im told they cant even open it for me so i can dry it off. the phone didn't turn on yesterday, today its okay. but i know i need a new touch screen at the very least as i can see layers of water in it.
to the question:
if i replaced the water indicators
1. the one on the battery
2. the one on the upper right hand corner
would they have to replace a phone that is visibly damaged by water even though the indicators don't show it? or could they just say no based upon what they see?
i know what i would be doing is morally and ethically wrong but i really do not care. so you can save your flaming for someone else.
if this doesn't work im going to have to replace the lcd screen my self.
First, good luck replacing the water sensors. Second, yes, they can still tell there was water even if you could replace the sensors. The board will show visible signs of water damage.
i know what i would be doing is morally and ethically wrong but i really do not care.
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It IS wrong. Water damage is not a hardware defect, and it not covered under the warranty. That's something YOU did to your phone, Sprint should not have to fit the bill to fix YOUR problem. That's what insurance is for. It's people like you that make everyone's rates go up.
alright thanks i'm going to replace the screen and what not myself, not because of what i am doing is wrong (i'm replacing the liquid damage indicators too) but i haven't taken a phone apart in a while and i'm looking for a challenge + it's cheaper for me to do that than claim insurance if they decided to check further than just looking at the indicators which they don't most of the time.
randomjon said:
alright thanks i'm going to replace the screen and what not myself, not because of what i am doing is wrong (i'm replacing the liquid damage indicators too) but i haven't taken a phone apart in a while and i'm looking for a challenge + it's cheaper for me to do that than claim insurance if they decided to check further than just looking at the indicators which they don't most of the time.
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Up here in the great white north ( Canada ) we don't have insurance available for our devices, replacement phones yah right, if you need a loner phone you pay $100, the only coverage we have is if the phone breaks itself, so count yourself lucky if you got 2 free phones:beer::beer::beer::beer:
Sent from my HTC EVO 3D X515m using xda premium
flashallthetime said:
Up here in the great white north ( Canada ) we don't have insurance available for our devices, replacement phones yah right, if you need a loner phone you pay $100, the only coverage we have is if the phone breaks itself, so count yourself lucky if you got 2 free phones:beer::beer::beer::beer:
Sent from my HTC EVO 3D X515m using xda premium
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Not when you factor in that you pay an additional 96 bucks a year just to have the coverage plus a hundred dollar deductible and a maximum of 3 claims a year. Just to replace a phone we can pay 125 for used off craigslist
p3tr0s said:
Not when you factor in that you pay an additional 96 bucks a year just to have the coverage plus a hundred dollar deductible and a maximum of 3 claims a year. Just to replace a phone we can pay 125 for used off craigslist
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Ok I would be happy to pay 96 bucks for coverage, if I break my phone well what our providers do is count how many months you have left on you contract, which is normal 3 years, and they want about 20 bucks for each month left on your contract plus the cost of a new phone, average cost $ 900 . They bend us over up here and give it to us really good, that's why we all whimper up here.
This threads title: "Is it possible to Defraud my insurance"
Really bro?
flashallthetime said:
Ok I would be happy to pay 96 bucks for coverage, if I break my phone well what our providers do is count how many months you have left on you contract, which is normal 3 years, and they want about 20 bucks for each month left on your contract plus the cost of a new phone, average cost $ 900 . They bend us over up here and give it to us really good, that's why we all whimper up here.
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You can't buy one used? Thats why I use Craigslist... I can get a used 3d for like 125-150. Granted our prices are probably a lower on the used market as well. Plus our contracts are only 2 years....
xblackvalorx said:
This threads title: "Is it possible to Defraud my insurance"
Really bro?
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NOT REALLY BRO. water damage is covered under insurance, i'm trying to avoid making a claim to the insurance altogether. i don't want to pay them 100 bucks for a new phone, the only reason i pay for the insurance is for sprint to fix the phone when it breaks or if it is stolen. which has never been a problem before. i want to know under what circumstances will sprint replace a phone with water damage for free.
I know when i was with Verizon i got a free replacement with a water damaged phone because the damage to the phone was the physical charging port not connecting with the motherboard, and i proved that humidity could have caused the water damage indicators to show that the phone was water damaged. i had to argue for a while but it beats buying a new phone.
the point now is moot, seeing as how i'm going to fix the issue myself.
sucks about Canada though sorry to hear that.
i'm paying 96 dollars a year i should be entitled to a free replacement of the phone. or the company could set up insurance tiers, like car insurance. where you can eliminate your deductible but pay a little more per month for the insurance. i know i'm comparing apple to oranges but that's just my two cents.
p3tr0s said:
You can't buy one used? Thats why I use Craigslist... I can get a used 3d for like 125-150. Granted our prices are probably a lower on the used market as well. Plus our contracts are only 2 years....
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Craiglist or kijiji but again people will sell a used phone for $250, everything is more expensive up here, smaller population even though our dollar is at par.
Sent from my HTC EVO 3D X515m using xda premium
flashallthetime said:
Craiglist or kijiji but again people will sell a used phone for $250, everything is more expensive up here, smaller population even though our dollar is at par.
Sent from my HTC EVO 3D X515m using xda premium
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Yeah but you have free healthcare and cleaner air. Not to mention lower population density and your Mounties are waaaaay cooler than our police.
randomjon said:
NOT REALLY BRO. water damage is covered under insurance, i'm trying to avoid making a claim to the insurance altogether. i don't want to pay them 100 bucks for a new phone, the only reason i pay for the insurance is for sprint to fix the phone when it breaks or if it is stolen. which has never been a problem before. i want to know under what circumstances will sprint replace a phone with water damage for free.
I know when i was with Verizon i got a free replacement with a water damaged phone because the damage to the phone was the physical charging port not connecting with the motherboard, and i proved that humidity could have caused the water damage indicators to show that the phone was water damaged. i had to argue for a while but it beats buying a new phone.
the point now is moot, seeing as how i'm going to fix the issue myself.
sucks about Canada though sorry to hear that.
i'm paying 96 dollars a year i should be entitled to a free replacement of the phone. or the company could set up insurance tiers, like car insurance. where you can eliminate your deductible but pay a little more per month for the insurance. i know i'm comparing apple to oranges but that's just my two cents.
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To answer your question, Sprint Will NOT replace a phone that is liquid damage.
Since you dont know how insurance works heres a brief breakdown.
You pay for your insurance and it allows the local sprint stores to
NOT CHARGE YOU to replace a device under manufacturers warranty.
Lost, Damaged, Stolen, Water are all covered by Asurion and you have to pay a deductible to have the device replaced.
I agree with several of these other people who have replied, your looking for a way to defraud Sprint and the Insurance company.
Take some responsibility, you got the phone wet, deal with it the right way and file a claim and pay the deductible.
Wish i worked for sprint so i could flag your account.
I do work for sprint, and saying because you pay 96 a year your "entitled" for a free phone?
Insurance has NEVER worked that way for smart phones. You pay your deductible as you were told when you pay for the insurance protection.
If you don't like it, don't pay an extra 100 a year.
IAmSixNine said:
To answer your question, Sprint Will NOT replace a phone that is liquid damage.
Since you dont know how insurance works heres a brief breakdown.
You pay for your insurance and it allows the local sprint stores to
NOT CHARGE YOU to replace a device under manufacturers warranty.
Lost, Damaged, Stolen, Water are all covered by Asurion and you have to pay a deductible to have the device replaced.
I agree with several of these other people who have replied, your looking for a way to defraud Sprint and the Insurance company.
Take some responsibility, you got the phone wet, deal with it the right way and file a claim and pay the deductible.
Wish i worked for sprint so i could flag your account.
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i'm aware of how the insurance works. again i wouldn't be defrauding the insurance because there would be no claim to insurance. i would be defrauding sprint. but again the point is moot i'm going with the cheaper option and repairing it myself.
scariola said:
I do work for sprint, and saying because you pay 96 a year your "entitled" for a free phone?
Insurance has NEVER worked that way for smart phones. You pay your deductible as you were told when you pay for the insurance protection.
If you don't like it, don't pay an extra 100 a year.
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I'm pretty sure the only reason he was looking to "defraud" sprint was because they sent him a faulty refurb with a bad screen in the first place... It just sucks because he dropped in in water before he could take it back in. Phone still works but the screen is even more messed up now.
randomjon said:
i'm aware of how the insurance works. again i wouldn't be defrauding the insurance because there would be no claim to insurance. i would be defrauding sprint. but again the point is moot i'm going with the cheaper option and repairing it myself.
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You don't know how your insurance works. The Sprint store is part of the insurance. The stuff that sprint takes care of are general warranty issues. Whose warranty is it? HTCs. Part of your 8 bucks goes to asurion to insure against loss, theft, damage, water... the other part goes to sprint to pay for the service they provide you by not making you send your warranty issue phone to HTC for repair. So by trying to claim that this is a warranty issue you are, in fact, defrauding your insurance.
Take some personal responsibility for your actions.
Drachen808 said:
You don't know how your insurance works. The Sprint store is part of the insurance. The stuff that sprint takes care of are general warranty issues. Whose warranty is it? HTCs. Part of your 8 bucks goes to asurion to insure against loss, theft, damage, water... the other part goes to sprint to pay for the service they provide you by not making you send your warranty issue phone to HTC for repair. So by trying to claim that this is a warranty issue you are, in fact, defrauding your insurance.
Take some personal responsibility for your actions.
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I used to sell phones for sprint, i am aware of how the insurance works.
Refer to the post above yours he basically described my situation in a nut shell.
I had issues with the touch screen's sensitivity and buttons along the bottom not illuminating prior to the water damage.
Water Damage.. no problem.. major physical damage, big problem
I can almost guarantee Sprint would replace a water damaged phone given you replace the indicators. I live on the water and I have defrauded rogers on multiple occasions (dont care, i would gladly burn the place dont and not feel an once of remorse for those wallet gougers)... But unhidable physical damage will never fly in tier eyes.. yourr screwed.. use the insurance you pay for and take it easy on your poor phones
I can almost guarantee Sprint would replace a water damaged phone given you replace the indicators
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Again, if the board is water damaged, there are many signs that a tech can tell it has been exposed.
My two cents. Sprint is horrible to their customers, asurion is a joke. The phones they send are almost always broken very soon after you get them and being without a phone while they decide whether the poop phone they sent you is poop, is even worse. Yes what he's doing is wrong but more power to him.
Sent from my PG86100 using xda app-developers app
I dropped my phone and the camera/bio lens shattered. Now a hole in the back of phone. I find it odd this happened as it wasn't a direct impact or in a very hard surface. Luckily I've been paying for jump since I got this device. Anyone have any experience with handset replacement through Asurion?
Insurance is $175.00 deductible. Usually receive the replacement device the next day. I had luck with Tmobile actually going half on the deductible by offering me a credit for the insurance replacement when I had a device that they sent the screen cracked when I was having to do a reboot after a drop on a replacement device they sent. Let me clarify though, I have been a T-Mobile customer for nearly 15 years.
Ty for the reply. Not getting alerts from xda fsr. Anyway, theres a copay even though I've been paying $15 per month for jump and insurance?
demize! said:
Ty for the reply. Not getting alerts from xda fsr. Anyway, theres a copay even though I've been paying $15 per month for jump and insurance?
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Yes, you would have to pay a deductible. It usually says depending on your device. They cheaper the device the cheaper the deductible. So for note 8, could be anywhere between 175 to 200 i believe.