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Just like the title says.....What should we do?
AT&T offers the insurance for $6.99 / month and has a $199 deductible. Only two claims per 12 month period are allowed but it does cover loss or theft.
SquareTrade wants $69.99 for one year and $124.99 for two years. Their deductible is $99 and does not cover loss or theft. Once you make your claim, the insurance contract is completed (you claim...you must get another policy).
Neither of these options look too appealing to me. What is everyone out there going to do once we get our shiny new devices?
CradleRob said:
Just like the title says.....What should we do?
AT&T offers the insurance for $6.99 / month and has a $199 deductible. Only two claims per 12 month period are allowed but it does cover loss or theft.
SquareTrade wants $69.99 for one year and $124.99 for two years. Their deductible is $99 and does not cover loss or theft. Once you make your claim, the insurance contract is completed (you claim...you must get another policy).
Neither of these options look too appealing to me. What is everyone out there going to do once we get our shiny new devices?
Click to expand...
Click to collapse
I'm looking at Ensquared. $99 for two years, $75 deductible. Theft / loss / damage. Sponsor of and good reports from Android Forums. Apparently pretty good service and good turnaround times on claims. You get I think three claims, but your deductible goes up to $100 for second and third claim.
You have 1-year warranty from AT&T for free. The insurance is only needed for anything that's not covered by warranty.
foxbat121 said:
You have 1-year warranty from AT&T for free. The insurance is only needed for anything that's not covered by warranty.
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Click to collapse
Yes..but the 1 year warranty won't cover it if you drop it. Something to consider when the device is nearly twice the size of my previous device.
LiquidArrogance said:
I'm looking at Ensquared. $99 for two years, $75 deductible. Theft / loss / damage. Sponsor of and good reports from Android Forums. Apparently pretty good service and good turnaround times on claims. You get I think three claims, but your deductible goes up to $100 for second and third claim.
Click to expand...
Click to collapse
I have Ensquared for my GNote. Have not had any claims but have a buddy that did and they were fine. Will probably get on my ATT version as well since I am buying no commitment pricing.
Sent from my SAMSUNG-SGH-I727 using XDA App
Your thread title mentioned warranty. That's what I want to point out. You need warranty if there is manufacturing defacts. You need insurance if something bad happens to it.
I've never dropped any of my phones. And I always prefer living on the edge and never purchase any additional warranty/insurance anything even as expensive as my new cars.
I'm going insurance / no case. I figure this thing is big enough already I don't want a case on it. Plus I ordered the ProClip for it for the car which I don't think fits with most cases.
I baby all my phones and use the where's my Droid app.
If it's stolen I will personally track it down with a gun.
Sent from my MB860 using Tapatalk
Ok this is going to sound sort of crummy, but let's say that I get a big scratch on the screen; I mean one where even a blind person would constantly notice.
If I have the ATT $7 insurance, I suppose I could, out of 'shock at the scratch',
accidentally drop it on concrete ( preferably from a height). I would then be able to replace it for $200?
My main concern is how easy it would be to make the claim. Insurance companies can be unpleasant (for reasons such as those depicted above)
I'm thinking ATT would be easiest. I don't know.
How do each of these Insurance places handle subsidised phones? For example...I am paying 300 bucks for it through AT&T...if I have a claim...will they pay for a new out of contract phone?
I think most third party ones either send you a new identical phone, a refurbed identical, or some rare instances a better one (like if you submit a claim in 22 months when the Note 2 is out you might get a Note 2).
You send them your broken phone.
I think ensquared will even put a hold on your credit card for the cost of the replacement phone and send you your new phone immediately before they get your old one back.
LiquidArrogance said:
I'm going insurance / no case. I figure this thing is big enough already I don't want a case on it. Plus I ordered the ProClip for it for the car which I don't think fits with most cases.
Click to expand...
Click to collapse
Are you sure? The tpu cases are quite thin. I am always worried about scratching my camera lens.
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Best buy has Insurance too
Best buy offered me insurance on my Pre-order for 9.99 a month covers everything but I didn't take it but I was told I could get it at any time just would have to wait 30days befor I could open a claim
I think this time I'm gonna do case & no insurance. Last time I did insurance & no case and never used insurance. so i think ill see how things turn out time.
Sent from my Desire HD using Tapatalk
JGuinan007 said:
Best buy offered me insurance on my Pre-order for 9.99 a month covers everything but I didn't take it but I was told I could get it at any time just would have to wait 30days befor I could open a claim
Click to expand...
Click to collapse
Almost correct. BB allows you to purchase their coverage for up to 30 days after you purchase the phone. After 30 days; you cannot get the coverage from them.
Of the options i like BB's coverage the best. 9.99/month and zero deductible. They dont hassle you and you have a replacement in 2-3 days. ATT's deductable on smartphones is $200.
Can you purchase insurance from Best Buy even if you purchase from AT&T?
CradleRob said:
Can you purchase insurance from Best Buy even if you purchase from AT&T?
Click to expand...
Click to collapse
No, to get their protection you have to buy the phone from them.
The one exception to this is the iphone. For some reason BB allows iphone users to buy their protection no matter where the iphone was purchased. (perhaps because the iphone shatters so easily)
CradleRob said:
Can you purchase insurance from Best Buy even if you purchase from AT&T?
Click to expand...
Click to collapse
No
Sent from my SAMSUNG-SGH-I727 using xda premium
Dave*228 said:
No, to get their protection you have to buy the phone from them.
The one exception to this is the iphone. For some reason BB allows iphone users to buy their protection no matter where the iphone was purchased. (perhaps because the iphone shatters so easily)
Click to expand...
Click to collapse
brittoking said:
No
Sent from my SAMSUNG-SGH-I727 using xda premium
Click to expand...
Click to collapse
That being the case....which of the other available plans seem to be the best?
Dave*228 said:
Almost correct. BB allows you to purchase their coverage for up to 30 days after you purchase the phone. After 30 days; you cannot get the coverage from them.
Of the options i like BB's coverage the best. 9.99/month and zero deductible. They dont hassle you and you have a replacement in 2-3 days. ATT's deductable on smartphones is $200.
Click to expand...
Click to collapse
Thanks for chiming in Dave. I work for BBYM and Im really in love with our protection. Broke my iphone 4 three times and never paid a dime or waited over 4 days to get a refurb, which by the way are so nice that I sold as LNIB on craigslist. I could have said brand new but even on craigslist I try to be honest as possible (who knows who the crazies are).
Another option for the BBY protection is to purchase outright. For non iphone smartphones it is $169 for the two years, again with no deductible and no limit to the claims. If you, say, get rid of your phone at any point before the two years is up, they can return the protection at a prorated amount. I do this every time because Ill forget to cancel the $9.99 and I get a new phone so frequently, that would start racking up haha
Trying to decide if I want to pre order from best buy or straight through ATT. I wish Amazon Wireless would announce something already!
Anywhoo . . . I don't have any real reason NOT to order from BB apart from the fact that I don't like and have sworn never to shop there again. Long, unrelated story, but so far I've made good to myself on that promise.
If I do order from BB, is there any downside? Am on contract with them in any way, or only through AT&T? Can I still take my phone to ATT for warranty claims or do I have to take it to BB?
Thanks!
You will not be in contract with BB in anyway. For warranty I'm not sure. If you order through ATT it ships out on 02/16 while supplies last. If you order through BB it ships out 02/19 with the official flip case (free) while supplies last.
LiquidArrogance said:
Trying to decide if I want to pre order from best buy or straight through ATT. I wish Amazon Wireless would announce something already!
Anywhoo . . . I don't have any real reason NOT to order from BB apart from the fact that I don't like and have sworn never to shop there again. Long, unrelated story, but so far I've made good to myself on that promise.
If I do order from BB, is there any downside? Am on contract with them in any way, or only through AT&T? Can I still take my phone to ATT for warranty claims or do I have to take it to BB?
Thanks!
Click to expand...
Click to collapse
Plus you can register your number(s) with Best Buy for their "Phone Freedom" promo and get a $50 gift card per line when you activate the new phone. Can use the card immediately on the phone purchase or on a future purchase. And you can upgrade anytime during 2012.
I registered my number and will use the $50 on the note. Registered my wife's number, who's due for an upgrade in late summer.
Thanks...had no idea it ran all year
mikegehl said:
Plus you can register your number(s) with Best Buy for their "Phone Freedom" promo and get a $50 gift card per line when you activate the new phone. Can use the card immediately on the phone purchase or on a future purchase. And you can upgrade anytime during 2012.
I registered my number and will use the $50 on the note. Registered my wife's number, who's due for an upgrade in late summer.
Click to expand...
Click to collapse
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Plus keep in mind @ best buy Black Tie protection Plan with no deductibles and buy back program.
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dmbrown81 said:
Plus keep in mind @ best buy Black Tie protection Plan with no deductibles and buy back program.
Sent from my MB860 using Tapatalk
Click to expand...
Click to collapse
Keep in mind the BB insurance does not cover lost / stolen and is more expensive than AT&T insurance.
Maroon Mushroom said:
Keep in mind the BB insurance does not cover lost / stolen and is more expensive than AT&T insurance.
Click to expand...
Click to collapse
If you buy the Black Tie protection upfront, it's $170 for 2 years (+$30 buyback). That's only $2 more than AT&T at $7 a month.
Sent from my SGH-I897 using XDA App
00mred00 said:
Thanks...had no idea it ran all year
Click to expand...
Click to collapse
It does - but I believe you have to register any and all lines/numbers sometime this week. Nothing to lose - no obligation to actually do the upgrade. But $50 off per phone isn't shabby.
Sent from my SGH-I897 using XDA App
mikegehl said:
It does - but I believe you have to register any and all lines/numbers sometime this week. Nothing to lose - no obligation to actually do the upgrade. But $50 off per phone isn't shabby.
Sent from my SGH-I897 using XDA App
Click to expand...
Click to collapse
hahaha..you don't know me that well yet...I have had 6 phones in the last 6 months lol. I know I will get more.
best buy wins hands down.
not everyone has the luxury of six lines but this is what we do
We have 6 lines on our family plan (5 phones, 1 pc connect {cross upgrade HELLO})...
1.Buy device, purchase buyback, get discount on buyback for purchasing black tie (cancel black tie after 30 days)
2.Sell back Device
3.Use store credit from the buy back to purchase new phone on another line due an upgrade
4.use left over amounts for other toys, or save towards next upgrade.
I always get the newest device
It's worked out pretty well so far. Currently we are out of upgrades until September..but have a few phones that are eligible for buy back should I decide to trade them in towards one device at full price (unlikely)
our next round of upgrades start in September..right about time for the s3
sept, oct, dec, feb, then the following January '13
Oh, and you can't forget price matching...this is a very important part of the process
Maroon Mushroom said:
Keep in mind the BB insurance does not cover lost / stolen and is more expensive than AT&T insurance.
Click to expand...
Click to collapse
Lost and stolen for most people isnt an issue, its broken screens. While ours is slightly more expensive if you do the 9.99 a month, there is NO deductible for breaking you phone. The note will be classified as a tier 3 in att's insurance which means its a $200 deductible on top of the $7 a month. That is just ****ing insane lol if you do our outright price for the protection at best buy its $170 for the two years, putting it right under $7 a month. All without a deductible and unlimited claims. And Im not just trying to push our protection because I work there because frankly, you wont be buying from my store so it wont affect me. I just fully support our protection, coming from 3 broken iPhone 4's and most recently a skyrocket.
Side note, I have a concession line with ATT which I cannot get BB protection on and broke the phone. $200 to replace the vivid lol I just cancelled the line and threw the vivid in the trash
imitenotbecrazy said:
Lost and stolen for most people isnt an issue, its broken screens. While ours is slightly more expensive if you do the 9.99 a month, there is NO deductible for breaking you phone. The note will be classified as a tier 3 in att's insurance which means its a $200 deductible on top of the $7 a month. That is just ****ing insane lol if you do our outright price for the protection at best buy its $170 for the two years, putting it right under $7 a month. All without a deductible and unlimited claims. And Im not just trying to push our protection because I work there because frankly, you wont be buying from my store so it wont affect me. I just fully support our protection, coming from 3 broken iPhone 4's and most recently a skyrocket.
Side note, I have a concession line with ATT which I cannot get BB protection on and broke the phone. $200 to replace the vivid lol I just cancelled the line and threw the vivid in the trash
Click to expand...
Click to collapse
If you buy the protection Plan outright and need to service your phone you'll have to subscribe to the 9.99 afterwards or purchase it again.
Sent from my MB860 using Tapatalk
dmbrown81 said:
If you buy the protection Plan outright and need to service your phone you'll have to subscribe to the 9.99 afterwards or purchase it again.
Sent from my MB860 using Tapatalk
Click to expand...
Click to collapse
Yikes. Idk which best buys you guys are going but theres tons of false info here. Right now, most phones fall into the rapid exchange program. With this, the phone is sent away and a refurbished phone is sent at the same time, making the turn around time about 2-4 business days. This does NOT fulfill your protection plan, meaning it is still active and can still be used again and again with no limit to the amount of claims. If you chose to send your phone as a repair instead of exchange the typical wait time is 14-30 days. If they are unable to repaid your phone in a cost effective manor to them or it exceeds 30 days they will issue you a gift card for the full retail value of the phone so that you can pick out a new one. This WILL fulfill the protection plan. So in a strange, completely misleading way, your initial statement was kind of accurtate. If we give you a $600+ gift card to replace your phone with a different model, yes your $170 protection plan is void. What would you expect?
imitenotbecrazy said:
Yikes. Idk which best buys you guys are going but theres tons of false info here. Right now, most phones fall into the rapid exchange program. With this, the phone is sent away and a refurbished phone is sent at the same time, making the turn around time about 2-4 business days. This does NOT fulfill your protection plan, meaning it is still active and can still be used again and again with no limit to the amount of claims. If you chose to send your phone as a repair instead of exchange the typical wait time is 14-30 days. If they are unable to repaid your phone in a cost effective manor to them or it exceeds 30 days they will issue you a gift card for the full retail value of the phone so that you can pick out a new one. This WILL fulfill the protection plan. So in a strange, completely misleading way, your initial statement was kind of accurtate. If we give you a $600+ gift card to replace your phone with a different model, yes your $170 protection plan is void. What would you expect?
Click to expand...
Click to collapse
that is one of the negative sides AND positive sides to the black tie protection plans.
in some cases it just isn't worth the expense (i.e. when the cost of the plan exceeds about the 50% mark, I don't buy it)
it's rare, but in some cases it just isn't logical.
In this case...$300 for the phone plus $170 for the plan...it's a hard choice.
You realistically are looking at $470 vs $600 which isn't much of a difference...unless you utilize the plan towards the end of its life
00mred00 said:
that is one of the negative sides AND positive sides to the black tie protection plans.
in some cases it just isn't worth the expense (i.e. when the cost of the plan exceeds about the 50% mark, I don't buy it)
it's rare, but in some cases it just isn't logical.
In this case...$300 for the phone plus $170 for the plan...it's a hard choice.
You realistically are looking at $470 vs $600 which isn't much of a difference...unless you utilize the plan towards the end of its life
Click to expand...
Click to collapse
Sorry but that logic doesn't make much sense to me. Buy a phone at 300, break it and pay 650 that equals 950, which is twice the price of the upgrade and coverage for unlimited replacements. I guess its just that I see a lot of customers coming in after multiple broken screen replacements that I don't see the logic of buying other protection or buying outright replacements. To each his own tho I suppose
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Maroon Mushroom said:
Keep in mind the BB insurance does not cover lost / stolen and is more expensive than AT&T insurance.
Click to expand...
Click to collapse
Consider BB insurance has no deductible. ATT charges a $200 deductible if you phone needs repair.
No you are right...my point being that breakage occurring in the first 6 months to a year the plan makes sense...beyond that it wouldn't .
Its a gamble...otherwise best buy wouldn't offers it haha. The odds are in their favor. Unless of course one pretty much knows they are going to break the phone, or manipulate the program later to get a new device.
Curious question, only because I receive multiple asnswers in store
Does best buy black tie cover cosmetic damage? I have been told yes and have been told no.
Is there a wear and tear clause? I know att has a wear and tear clause and can deny coverage. Reading their fine print I also notice they can deny if its manufacturering related as well.
imitenotbecrazy said:
Sorry but that logic doesn't make much sense to me. Buy a phone at 300, break it and pay 650 that equals 950, which is twice the price of the upgrade and coverage for unlimited replacements. I guess its just that I see a lot of customers coming in after multiple broken screen replacements that I don't see the logic of buying other protection or buying outright replacements. To each his own tho I suppose
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Click to collapse
Sent from my SAMSUNG-SGH-I727 using XDA App
00mred00 said:
hahaha..you don't know me that well yet...I have had 6 phones in the last 6 months lol. I know I will get more.
best buy wins hands down.
not everyone has the luxury of six lines but this is what we do
We have 6 lines on our family plan (5 phones, 1 pc connect {cross upgrade HELLO})...
1.Buy device, purchase buyback, get discount on buyback for purchasing black tie (cancel black tie after 30 days)
2.Sell back Device
3.Use store credit from the buy back to purchase new phone on another line due an upgrade
4.use left over amounts for other toys, or save towards next upgrade.
I always get the newest device
It's worked out pretty well so far. Currently we are out of upgrades until September..but have a few phones that are eligible for buy back should I decide to trade them in towards one device at full price (unlikely)
our next round of upgrades start in September..right about time for the s3
sept, oct, dec, feb, then the following January '13
Oh, and you can't forget price matching...this is a very important part of the process
Click to expand...
Click to collapse
U can go to att website and upgrade for 299 even if line is not ready till 2013.u still get the cheap peice untill pre orders ends
For whatever reason it does not work for any of our lines. I tried.
mintu123 said:
U can go to att website and upgrade for 299 even if line is not ready till 2013.u still get the cheap peice untill pre orders ends
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Click to collapse
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00mred00 said:
No you are right...my point being that breakage occurring in the first 6 months to a year the plan makes sense...beyond that it wouldn't .
Its a gamble...otherwise best buy wouldn't offers it haha. The odds are in their favor. Unless of course one pretty much knows they are going to break the phone, or manipulate the program later to get a new device.
Curious question, only because I receive multiple asnswers in store
Does best buy black tie cover cosmetic damage? I have been told yes and have been told no.
Is there a wear and tear clause? I know att has a wear and tear clause and can deny coverage. Reading their fine print I also notice they can deny if its manufacturering related as well.
Sent from my SAMSUNG-SGH-I727 using XDA App
Click to expand...
Click to collapse
In my store, and I assume in most stores, if a customer wants their phone to be sent out AND they have GSBTP, they are fully entitled to send it out. There is almost no way coverage can be denied, although the plan does specify that submersion and extreme damage (i.e, running it over with a car) is not covered. As long as the customer doesn't explicitly say that was the issue, it is usually fine.
I will say, in two years at BBYM, I have never seen a customer who purchased the protection be denied a phone being sent out. While my store is pretty good at making sure the customer is treated fairly, I can assume that BBYM wouldn't be gaining the market share it is if customers were not being treated properly.
Corvette06 said:
In my store, and I assume in most stores, if a customer wants their phone to be sent out AND they have GSBTP, they are fully entitled to send it out. There is almost no way coverage can be denied, although the plan does specify that submersion and extreme damage (i.e, running it over with a car) is not covered. As long as the customer doesn't explicitly say that was the issue, it is usually fine.
I will say, in two years at BBYM, I have never seen a customer who purchased the protection be denied a phone being sent out. While my store is pretty good at making sure the customer is treated fairly, I can assume that BBYM wouldn't be gaining the market share it is if customers were not being treated properly.
Click to expand...
Click to collapse
Cool cool. I have not had any claims on mobile purchases. I have run into issues on laptops in the past (worn mouse tracker) where I was told it was wear and tear/ cosmetic and had to physically show them that the tracker no longer worked properly. The same with USB ports.
Thanks for chiming in!
I just dumped mine on my evo3D. I have had TEP for a long time (since TP1) & have used it once. A long time ago I dropped my original evo off my desk and it broke. If you consider all the monthly premiums I have paid & the deductible I'm down on the deal.
TEP is increasing from $8 to $11 (a 37.5% increase) starting June 17th for all new LTE devices MSRP $549.99+ which would include the evo LTE. On top of that, deductible is rising to $150 or $200 a whopping 100% increase over the previous deductible.
Those increases are absolutely outrageous. Wasn't the evo 3D $499 off contract when it came out? So this is $50 more and they are doubling the deductible along with a 37%+ increase? You are way better off buying a phone off eBay or craigslist. I guess when the phone is brand new but within a few months prices usually come down.
Anyway I dumped mine just seeing how many of you are planning on keeping it. I may have considered keeping it if the deductible stayed the same but doubling? No thanks Are you guys keeping it?
btw here is the article LINKY
I'm pretty careful with my phone, obviously an accident can happen at anytime but I have an office job so it's on my desk all day. I didn't really think it was the best value before the price increase but now it just seems like a complete joke.
Thank you Mathman for an outstanding write up on the math behind TEP - Everyone should read this post here.
UPDATED Mathman Post with graphs - Everyone should read this post here.
I reluctantly kept mine just in case I bricked my phone.
sent from my iPhone killer
Definitely dumping my TEP, I've never had a reason to use it as I've always been safe with my phones. Keeping my old EVO as a backup.
i never had tep on my evo tho i thought i did until i broke it.. then man i missed having it.. so i will be keeping mine.. insurance is always a gamble but id rather pay for peace of mind then pay for a new phone or go back to my junk one
grrmisfit said:
i never had tep on my evo tho i thought i did until i broke it.. then man i missed having it.. so i will be keeping mine.. insurance is always a gamble but id rather pay for peace of mind then pay for a new phone or go back to my junk one
Click to expand...
Click to collapse
I will be keeping mine for the same reason. I have never had to use it in my time with sprint or even come to think of it maybe even in all my time with Alltel & Verizon too. But it is that if I ever need it. It is there.
Will
Didn't realize they were doubling the deductible that's just ridiculous -_- are there any good alternatives to this insurance? Would cancel but they kinda got us if there's no reasonable alternative...
Sent from my PG86100 using xda premium
Bestbuy and SquareTrade are two other alternatives but, neither of them cover loss or theft.
Dumped it months ago
Sent from my sticky fingered ice cream sandwich Evo 3D
So the Sprint warranty is essentially you making a $464 bet that you'll break your $550 phone over the next 2 years for a reason outside of the 12 month manufacture warranty coverage. Add in the variable of the price of the phone dropping after year 1, and it's a losing bet.
With squaretrade(who I currently use for my old EVO), it's a $225 bet of breaking your $550 phone over 2 years.
Bestbuy insurance just sucks from what I've read.
So... Think I'm skipping it.
The way I am with stuff, I need all the safety nets I can get. I just recently had my Evo 4g sink to the bottom of a lake.
With that being said, I'll probably cancel the insurance after a year and if something happens just be forced to do an early upgrade.
Sent from my Kindle Fire using XDA
purock said:
The way I am with stuff, I need all the safety nets I can get. I just recently had my Evo 4g sink to the bottom of a lake.
Click to expand...
Click to collapse
So you're going to lay down a $332 bet on a $550 phone breaking over the next 12 months?
Take your $332 to vegas and bet on Red. You'll make more money.
If you kill your phone, the payout is $220($550-$332). If you went to vegas with your bet, the payout would be 100%($332).
To protect against loss or theft you may want to add it to your insurance. I keep a personal articles policy for my photography equipment, laptop, and a few other items. I've place phones on the policy in the past.
Sent from my PC36100 using XDA
Expanding on my point....
If your phone ever breaks, don't think of it as you're having to shell out $550.
Think of it as you've already saved $464 of the cost. You're only paying $85 extra for you losing your bet.
In other words, to make it more clear, it cost you $85 more to break your phone w/o insurance than with. That's it.
The question with insurance is, are you really going to drop down $264($11/month) to maybe save $85 one day?
one thing you guys aren't thinking about...what if you have to replace the phone more than once in those two years?
i've had to replace my wife's phone 6 times in the past two years with out paying a deductible any of the times....do the math on replacing multiple times
me personally all the kernel developing and flashing i haven't had to use TEP for my line but having it on both lines and replacing her phone 6 times made it well worth it on both lines
Rodderik said:
one thing you guys aren't thinking about...what if you have to replace the phone more than once in those two years?
i've had to replace my wife's phone 6 times in the past two years with out paying a deductible any of the times....do the math on replacing multiple times
me personally all the kernel developing and flashing i haven't had to use TEP for my line but having it on both lines and replacing her phone 6 times made it well worth it on both lines
Click to expand...
Click to collapse
I've had 7 EVO's in 2 years so I have definitely used me tep. I recently found out that you can downgrade your protection to not include accidents or theft. So essentially normal wear and tear and sprint store support. I may go with this option since none of the times I replaced mine had to go through assurant.
Sent from my PC36100 using Tapatalk 2
btbamzao said:
I've had 7 EVO's in 2 years so I have definitely used me tep. I recently found out that you can downgrade your protection to not include accidents or theft. So essentially normal wear and tear and sprint store support. I may go with this option since none of the times I replaced mine had to go through assurant.
Sent from my PC36100 using Tapatalk 2
Click to expand...
Click to collapse
that is true and a valid option...most people don't know tep is actually 2 different charges
Haven't had one of these policies in the last 5 years on any phone owned. If you're prone to dropping/damaging your device, then by all means get it. For me it would just be wasted money.
I'll take the risk. If something should happen, I'll buy a used one from ebay or similar.
btbamzao said:
I've had 7 EVO's in 2 years so I have definitely used me tep. I recently found out that you can downgrade your protection to not include accidents or theft. So essentially normal wear and tear and sprint store support. I may go with this option since none of the times I replaced mine had to go through assurant.
Sent from my PC36100 using Tapatalk 2
Click to expand...
Click to collapse
This is good to know and what I'll be doing. I've only used assurion once and that was over 4 years ago- the rest of my replacements have been through the store.
.jond said:
So the Sprint warranty is essentially you making a $464 bet that you'll break your $550 phone over the next 2 years for a reason outside of the 12 month manufacture warranty coverage. Add in the variable of the price of the phone dropping after year 1, and it's a losing bet.
With squaretrade(who I currently use for my old EVO), it's a $225 bet of breaking your $550 phone over 2 years.
Bestbuy insurance just sucks from what I've read.
So... Think I'm skipping it.
Click to expand...
Click to collapse
Here is my previous post I posted in another thread. Many people have had bad experience with best buy protection plan but it has changed since the OG evo days.
http://forum.xda-developers.com/showthread.php?p=26016045
Sent from my SPH-D710 using xda premium
Dumped it a long time ago. Keeping the OG Evo as a backup to the EVO LTE.
Why not just pay $9.99 to get Best Buy Black Tie Protection?
No deductible.
Unlimited claims.
Free loaner phone if yours has to be special ordered.
Covers all physical damage except full water submersion.
Cancel any time free.
Those are the exact words I was told when buying my phone.
I got Black Tie.
Persuade me to cancel it so I can save money.
Sent from my EVO using Tapatalk 2
newfireorange said:
Why not just pay $9.99 to get Best Buy Black Tie Protection?
No deductible.
Unlimited claims.
Free loaner phone if yours has to be special ordered.
Covers all physical damage except full water submersion.
Cancel any time free.
Those are the exact words I was told when buying my phone.
I got Black Tie.
Persuade me to cancel it so I can save money.
Sent from my EVO using Tapatalk 2
Click to expand...
Click to collapse
Number one reason is the wait to get your phone back can be a week or two weeks sometimes a month the program is good but I can't go that long without my phone
Ask sprint about their options I think if you are just worried about cracked screens and stuff you can get protection through them for.that at like 4 bucks a month. If I am wrong someone interject. Reason I say 4 is I don't think the tep has raised yet and if u lock it in now it won't raise till you resign...
I do not have Black Tie but I heard that its pretty awful. At times they do not honor replacements.
Google it for more info.
I have Black Tie, but I gotta tell you: the whole "free loaner phone if yours has to be special ordered"? Count on rocking a crappy old Android or a BlackBerry for a little bit if your phone can't be initially just fixed....
Here's the rub: yours IS gonna have to be special ordered, if you need a replacement, no matter if your Best Buy has 500 new EVOs in stock: they won't let you have one of theirs. For me, for the times I had to use it, I waited about 2 weeks the first time (because it was "backordered", even though my Best Buy had plenty), and about 3 days the second.
Of course, you also are also DEFINITELY getting a refurb, count on that 100%.
*I still use it, like I said, but the guy at Best Buy won't tell you all these little "details", which, I think, is a bit shady.
Sent from my EVO using xda premium
I waited a month for a broken charger port on my OG Evo. Seemed like an eternity. Got it back and found that while they fixed the port, they blew out the light on the menu button (looked like it was missing a tooth) . Wasn't going to wait again with a beat up small lender phone.
Gave me a scratched and dented LG Optimus. Big ole scratch on the screen.
Sent from my Galaxy Nexus using XDA
Lol at the people that don't like brick and mortar stores its that that is hurting the economy why buy it somewhere and pay a little extra and take a little extra time n pay tax when u can order it online for cheaper ans not pay tax. However I heard awhile back they where or are trying to put laws in place for sales tax on online items.
newfireorange said:
Why not just pay $9.99 to get Best Buy Black Tie Protection?
No deductible.
Unlimited claims.
Free loaner phone if yours has to be special ordered.
Covers all physical damage except full water submersion.
Cancel any time free.
Those are the exact words I was told when buying my phone.
I got Black Tie.
Persuade me to cancel it so I can save money.
Sent from my EVO using Tapatalk 2
Click to expand...
Click to collapse
I actually just dropped sprints insurance and am going to straight up buy the black tie insurance for $170 for the 2 year protection. How sprint is Jacking up the price on everything you would be paying $264 for 2 years not including the $150-$200 deductible. Hell if I can save $100-$250 with BB with a refurbished phone and wait 2 weeks its worth it.
Sent from my PG86100 using xda premium
ZAGG has insurance as well. I think its 100$ for 2yrs and covers everything with a 100$ deductible. Might wanna look into that.
James
best buy also doesnt cover lost or stolen tho if you use mobile defense or sprint locator those arent a huge issue..
ckoadiyn Lol at the people that don't like brick and mortar stores its that that is hurting the economy why buy it somewhere and pay a little extra and take a little extra time n pay tax when u can order it online for cheaper ans not pay tax. However I heard awhile back they where or are trying to put laws in place for sales tax on online items.
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Click to collapse
yes cause buying online is different then buying in brick and mortar... the store actually makes more of a profit from online sales then store. and i paid taxes when i ordered from sprint tyvm.. the only thing being loss on online sales is taxes to the state but as someone who works in retail i can also tell you all the people using food stamps arent helping much either.. lord forbid they dont get their tax free soda chips and fat cakes
grrmisfit said:
best buy also doesnt cover lost or stolen tho if you use mobile defense or sprint locator those arent a huge issue..
yes cause buying online is different then buying in brick and mortar... the store actually makes more of a profit from online sales then store. and i paid taxes when i ordered from sprint tyvm.. the only thing being loss on online sales is taxes to the state but as someone who works in retail i can also tell you all the people using food stamps arent helping much either.. lord forbid they dont get their tax free soda chips and fat cakes
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Click to collapse
Lol that is probably true but I always get the impression most shop amazon etc n I know it is just state taxes but still. I don't have a problem with food stamps for those that use it correctly however many people don't use it correctly
ckoadiyn said:
Lol that is probably true but I always get the impression most shop amazon etc n I know it is just state taxes but still. I don't have a problem with food stamps for those that use it correctly however many people don't use it correctly
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Click to collapse
i use online cause its a convenience . i work over nights so i can shop while everything is closed and its usually cheaper cause they save on labor and other things a brick and mortar has to pay.. walk into a kmart.. have their website loaded and check prices, you will see that a lot of their stuff is more expensive in stores then online and they will not price match
grrmisfit said:
i use online cause its a convenience . i work over nights so i can shop while everything is closed and its usually cheaper cause they save on labor and other things a brick and mortar has to pay.. walk into a kmart.. have their website loaded and check prices, you will see that a lot of their stuff is more expensive in stores then online and they will not price match
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Click to collapse
Yeah and is rather pay extra to know that American people have a job even if it is a store and 5 extra dollars that's all im trying to say we have to many people to be cutting jobs and companies can pick up and leave over seas. Btw I agree 3rd sucks I work 12-8 am and it is hard a lot of.the time
But all and all price wise. BB is the cheapest if you don't mind waiting a couple days for a replacement refurbished phone and the fact they don't cover loss or theft. Anyone object?
Sent from my PG86100 using xda premium
xbmoyx said:
But all and all price wise. BB is the cheapest if you don't mind waiting a couple days for a replacement refurbished phone and the fact they don't cover loss or theft. Anyone object?
Sent from my PG86100 using xda premium
Click to expand...
Click to collapse
Nope however I am interested in zagg..
I use http://www.squaretrade.com - $119 for two years protection after tax and 10% discount (coupon code TENFTEN).
You still pay a $99 deductible, and no coverage for theft or loss....but it has great reviews which is comforting. And at about $5/month...much better deal.
Sent from my Evo4GLTE
I had the black tie protection and I'll tell you why it isn't so hot.
First, doesn't cover lost or stolen phones.
Second, loaner phones require a $150 deposit.
Third, when I used the insurance to fix a broken charging port, I sent the phone in on Jan 2nd. The phone came back unrepaired 3 times. I finally got a replacement phone the second week of February. Believe me, I would have gladly gave a hundred dollars for a replacement from sprint.
Learned my lesson on best buy protection.
Sent from my EVO using xda premium
ckoadiyn said:
Ask sprint about their options I think if you are just worried about cracked screens and stuff you can get protection through them for.that at like 4 bucks a month. If I am wrong someone interject. Reason I say 4 is I don't think the tep has raised yet and if u lock it in now it won't raise till you resign...
Click to expand...
Click to collapse
The 4$ is still the same for service and repairs. However the replacement part of the TEP has gone up i believe.
And no the TEP will be raised for everyone but only in September if you sign up for TEP before july 17th.
stumblebum said:
I use http://www.squaretrade.com - $119 for two years protection after tax and 10% discount (coupon code TENFTEN).
You still pay a $99 deductible, and no coverage for theft or loss....but it has great reviews which is comforting. And at about $5/month...much better deal.
Sent from my Evo4GLTE
Click to expand...
Click to collapse
Do you get a brand new phone? Do they cover loss/theft?
Sent from my PG86100 using xda premium
newfireorange said:
Why not just pay $9.99 to get Best Buy Black Tie Protection?
No deductible.
Unlimited claims.
Free loaner phone if yours has to be special ordered.
Covers all physical damage except full water submersion.
Cancel any time free.
Those are the exact words I was told when buying my phone.
I got Black Tie.
Persuade me to cancel it so I can save money.
Sent from my EVO using Tapatalk 2
Click to expand...
Click to collapse
ckoadiyn said:
Number one reason is the wait to get your phone back can be a week or two weeks sometimes a month the program is good but I can't go that long without my phone
Ask sprint about their options I think if you are just worried about cracked screens and stuff you can get protection through them for.that at like 4 bucks a month. If I am wrong someone interject. Reason I say 4 is I don't think the tep has raised yet and if u lock it in now it won't raise till you resign...
Click to expand...
Click to collapse
I work for Best Buy and am very familiar with the GSBTP plans (Geek Squad Black Tie Protection). What I am about to say is my own opinion and not that of Best Buy's.
That being said, I am going to give you an unbiased opinion on this because I see both sides to what you guys are saying. I bought my phone outright from BBY 2 days ago. Did I buy GSBTP? No, here is why: I like the lost or stolen option from Asurion/Sprint and I never had to use it until 2 weeks ago when someone stole my EVO 3D from my store. I tried remote locating it and all that crap and it didn't help. Paid the deductible through Asurion (should have been $100 but they told me $50) and got a replacement the next day.
As far as what GSBTP offers, yeah, it's not bad. But there are some things that need clarified in what has been said in this thread. The replacements now are all "Rapid Exchange", as in, you come into BBY and we fill out all the paperwork to get you a new phone. What happens is that the system then generates and order for a refurbished phone to be shipped that day while we send yours back to them at the same time. This means that you will get a new phone within 3 business days, not too bad.
However, the loaner phones are pretty crappy, as mentioned. But stores are suppose to charge you $50 for the loaner phone that gets returned back to you after you return it. They don't all do that, but they are supposed to, so keep that in mind that YMMV.
Everything else in the OP is right. BBY won't deny a claim unless you fully submerged it, nor would they even know that unless you told them. There is a girl at my store that literally drops and shatters her iPhone screen atleast 2 times a month and it's been happening for over a year now, never had an issue. Also, with GSPTB, you are entitled to a 1-time battery replacement on your phone as well which is awesome, but unfortunately doesn't apply to phones without removable batteries.
Hopefully this clarified things for you guys and gave you an idea of both sides to the GSBTP story
@-viperboy-
Thank you for the clarification.
~ I'm a fungi
this was mentioned in another thread... just didnt want to hijack the thread so i post it in a new one...
It will void your HTC "factory" warranty but if u have sprint tep then you can use the unroot and relock methods posted in the threads and you should be able to return them to sprint for repairs and such
Click to expand...
Click to collapse
So, i never gave any insurances for phones a big thought... if you think, that I had plenty phones, and none of them got so damaged, lost, thrown in the water... that I was worried about insurance...
I mean you pay depending where about 10$ per month (2 years 240$) so if you just in case can get your phone replaced and pay another 100$ deductable... so in the end i pay 340$ to be sure I could have a replacment phone... now in other words...if i say the phone is worth 600$ that would mean that every 2nd person would need to replace there phone so it makes sense for a consumer to buy this... really every 2nd person? still it seems to be popular in these forums...
I mean yeah i had a display break from one of my phone some time back went to the store ordered a new display 100$ done... here i would have still overpaid 200$ so I don't quite get it... but I do have an open mind to be convinced
My example is absolutely simplified... and they offer repair services as well... I understand, but still...
Am i just talking good care of my stuff? so that i dont worry about this so much ? just wondering...
I think of it like this do I have in pocket over 500 to replace my phone nope. So ten bucks a month is easier when I do need replacmet and pay 100. Second is piece of mind, I did a few replacements and fixes which is good. In the end sprint and insurance wins. The thing that bugs me was a few years back the amount of fraud going on and that's why it gets more expensive when it comes to insurance.
Sent from my EVO using XDA
This is a good example why I don't have sprints TEP. It's a big rip off. I personally like using best buy black tie protection. I paid $170 for 2 years it doesn't have a deductible it is cheaper than sprints TEP.
Sent from my EVO using XDA
I personally think it's a waste of money. If I drop my phone on the sidewalk or in the toilet, I'll suck it up and get a cheap phone off Craigslist until I can save up for a replacement. I'd rather that than spend that much money a month on insurance. Besides, don't you all put a few bucks into an emergency fund every month anyway?
People say just be careful with your phone and you won't need insurance and if you can't do that then get ibsurance. Sure that's a good point, but there's no way I can watch out for it every day nor do I want to pile up money for insurance so small investments for quality cases and screen shields do that job for me for much less than paying insurance a month, so now I only have to worry about it for exceptionally dangerous days (camping, swimming, etc) which is easy if you remind yourself how important your phone is and how crazy it'll be without it. Living like this, I've never broken a phone.
But that's just me. I like someone else's idea, instead of investing your money in insurance where you never get it back, put it aside as a "phone" funds for yourself at the same rate this way you can keep your own money if you don't use it. You'll be paying more for the replacement, but if you generally don't break phones you'll be saving more money than you spend if you don't break it the next time (easier said than done, but I did say "if you generally don't break phones")
Basically, insurance is for people who either:
1) want to throw away money
or
2) break phones often (2+ times within one 2-year agreement)
Personally I don't think insurance is a bad idea but I do think sprints TEP structure is a total ripoff. Looking at a few EVO LTE on Ebay they're already going for under retail and I've seen a few open box sell for $450. I could only imagine what our phones would sell for in a couple of months. These phones will be so affordable soon rendering TEP a total ripoff if one had to pay a $200 deductible.
Sent from my EVO using XDA
forum.xda-developers.com/showpost.php?p=26638575&postcount=92
Please consider searching before starting new threads. This topic has had at least 3 threads dedicated to it, and the above link details under what circumstances a person should consider insuring their phone.
Sent from my EVO LTE using Tapatalk 2
If you don't want insurance then don't take it . Simplified answer.
Peace of mind coupled with not having to pay $500-$600 at once for a replacement.
Sent from my EVO using xda premium
PaulHBK said:
Peace of mind coupled with not having to pay $500-$600 at once for a replacement.
Sent from my EVO using xda premium
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Click to collapse
As mentioned, you'd be getting ripped off to pay that much for a replacement now that Ebay is stocked up and people are looking ahead to the SGS3.
But, hey, at least we're not being forced by anybody to carry phone insurance. Yet.
SilverZero said:
As mentioned, you'd be getting ripped off to pay that much for a replacement now that Ebay is stocked up and people are looking ahead to the SGS3.
But, hey, at least we're not being forced by anybody to carry phone insurance. Yet.
Click to expand...
Click to collapse
What are you talking about?! EVO LTEs are not going for low on eBay. They are auctioning for no less than $500 and "buy it now" options mostly around $600 and ABOVE. Don't spew "information" that doesn't truly benifit your point...
Sent from my EVO using xda premium
PaulHBK said:
What are you talking about?! EVO LTEs are not going for low on eBay. They are auctioning for no less than $500 and "buy it now" options mostly around $600 and ABOVE. Don't spew "information" that doesn't truly benifit your point...
Sent from my EVO using xda premium
Click to expand...
Click to collapse
The one with "buy it now" are just sitting there without any one buying them. And I've seen a few auctioning off for $450-$475. I will post links when I get to my laptop
Sent from my EVO using XDA
Mathman85 said:
forum.xda-developers.com/showpost.php?p=26638575&postcount=92
Please consider searching before starting new threads. This topic has had at least 3 threads dedicated to it, and the above link details under what circumstances a person should consider insuring their phone.
Sent from my EVO LTE using Tapatalk 2
Click to expand...
Click to collapse
Well I actually did do a search and had a couple entries.... But nothing big really..... Might have not look long enough
Sent from my EVO using Tapatalk 2
PaulHBK said:
What are you talking about?! EVO LTEs are not going for low on eBay. They are auctioning for no less than $500 and "buy it now" options mostly around $600 and ABOVE. Don't spew "information" that doesn't truly benifit your point...
Sent from my EVO using xda premium
Click to expand...
Click to collapse
No less then $500?
http://www.ebay.com/itm/18090309202...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
http://www.ebay.com/itm/18090304509...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
http://www.ebay.com/itm/18090166495...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
I think the bottom line here is if you want phone insurance, get phone insurance. If you don't, then you don't. It's that simple. However, I kinda find it interesting that a lot of people say hey I don't need phone insurance but are the same people that get insurance on electronics. I know it's much cheaper and there's no deductible but if you are gonna be a stickler then be one 100% of the time. Insurance is there for those that wanna be proactive and have a peace of mind at the end of the day. Think of how much money we throw away paying car, home and renters insurance without ever putting in a claim? I know all these things are mandatory but honestly we waste thousands upon thousands upon thousands for those things. However, it's the peace of mind knowing that if you smash your car up, your home gets burglarized or catches fire, you'll be covered and so will your valuables( if you pay that extra $200 a year or more for that). If these things didn't carry mandatory weight, would we have car or home insurance? It's the same question to ask yourself when looking to purchase phone insurance( minus the mandatory part). I carry the TEP insurance because it protects me against EVERYTHING! I know there is a deductible but it works for me. I've heard horror stories about BBs Black Tie Protection. Yeah there is no deductible but what you have to go through to get your phone fixed is not worth the $94 you'll save vs the Sprint plan and in the end you end up getting a refurbished phone anyways. That's like saying I'll go to Joe Schmoe to get my car fixed because he is cheaper than the dealership but end up getting your car back with more problems than you started out with. I just say go with what you like. In the same breath, you can't ridicule or belittle someone for being proactive imho.
My old Palm Centro, Palm Pre, and Evo Shift...
Centro had worn out button panel, and then someone stepped on it a bit and the button panel broke on the corner.... free repair in 1 day
Palm Pre died and stopped turning on... Free new or "like new" replacement 2 business days
Second Palm Pre died and stopped turning on... Free new or "like new" replacement 2 business days
Evo Shift died and stopped turning on... Free new or "like new" replacement 2 business days
Second Evo Shift died and stopped turning on... Free new or "like new" replacement 2 business days
So this is why I keep my Sprint TEP
Never paid a dime aside from the monthly fee
shook187 said:
No less then $500?
http://www.ebay.com/itm/18090309202...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
http://www.ebay.com/itm/18090304509...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
http://www.ebay.com/itm/18090166495...AX:IT&_trksid=p3984.m1438.l2649#ht_500wt_1182
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Click to collapse
Ok. Still close to $500 on those though. And I'd still rather not have to pay $470 at once though...
Sent from my LTEvo using XDA Premium
PaulHBK said:
Ok. Still close to $500 on those though. And I'd still rather not have to pay $470 at once though...
Sent from my LTEvo using XDA Premium
Click to expand...
Click to collapse
$470 now $370 next month $270 the following month. Eventually the phone will level off around $225-$300. At that point making sprint deductible of $200 a total ripoff. I guess TEP is a good investment within the first 4 months of a phones released.
Sent from my EVO using XDA
Well lets put it this way I've had phones since they first came out. Remember that BIG Motorola ! Also one of the first car phones. I've never had insurance or had a need for it. Same with screen protectors. Each to his own.
Sprint tep has gotten me out of soo many o**** moments that I will continue to pay for it and is probably one of the main reasons I have stuck it out with sprint. No other carrier has "repair" centers like sprint does
Sent from my GT-I9300 using xda premium