Who is getting this with the note 2? Good idea or rip off? Let me know!
Sent from my DROID RAZR using xda app-developers app
I've gotten it. I swear by it. They sent me 7 brand new galaxy nexus before I finally just bought an s3, only paid $100 once
Sent from my Nexus 7 using Tapatalk 2
I'm planning on buying insurance through squaretrade or ensquared (whichever i get the best coupon code discount for)
It's less expensive and has a lower deductible.
wooties said:
I'm planning on buying insurance through squaretrade or ensquared (whichever i get the best coupon code discount for)
It's less expensive and has a lower deductible.
Click to expand...
Click to collapse
The downside to their insurance is once you make a claim, you will have to purchase another 2 year plan to be covered. But I've ready squaretrade policy is very good and most customer are very happy with how they deal with claims.
Ignore the above statement. It's completely wrong. I just called and you can make multiple claims on the policy.
wooties said:
I'm planning on buying insurance through squaretrade or ensquared (whichever i get the best coupon code discount for)
It's less expensive and has a lower deductible.
Click to expand...
Click to collapse
I'm very curious as to these two options. Which would you prefer? Ensquared is a little cheaper, however, coverage won't start until 30 days after the purchase of the protection plan?
Jennnyy said:
I'm very curious as to these two options. Which would you prefer? Ensquared is a little cheaper, however, coverage won't start until 30 days after the purchase of the protection plan?
Click to expand...
Click to collapse
To be honest, I'm still investigating which one as well.
I've got some info here: http://forum.xda-developers.com/showthread.php?t=1769729
And it's making me think about the Best Buy plan too. But so far, I'm leaning ensquared.
Edit: To clarify, what pulls me to Ensquared more is the lower price, coverage for lost/stolen and I believe they allow 3 claims through a 2 year period.
wooties said:
To be honest, I'm still investigating which one as well.
I've got some info here: http://forum.xda-developers.com/showthread.php?t=1769729
And it's making me think about the Best Buy plan too. But so far, I'm leaning ensquared.
Edit: To clarify, what pulls me to Ensquared more is the lower price, coverage for lost/stolen and I believe they allow 3 claims through a 2 year period.
Click to expand...
Click to collapse
Well, Ensquare's first claim is $75, but each subsequent claim is $100.
From their website: $75 deductible fee per claim
. All 2nd and 3rd claims carry a $25 additional deductible for admin charges. -Source: http://www.ensquared.com/catalog/phone-insurance/2-year-phone-insurance-smartphone
Also, you can get SquareTrade coverage for $99 on Amazon. So basically, the difference is just the first claim, the $24 difference.
EDIT: Opps, there's some more info about Ensquare's deductible:
A non-refundable thirty-five dollar ($35) deductible maintenance fee will be collected for each authorized claim for the Covered Product under one hundred and fifty dollars ($150). A non-refundable fifty dollar ($50) deductible maintenance fee will be collected for each authorized claim for the Covered Product valued between one hundred and fifty dollars ($150) and three hundred dollars ($300). A non-refundable seventy-five dollar ($75) deductible maintenance fee will be collected for each authorized claim for the Covered Product over three hundred dollars ($300) or any type of Personal Digital Assistants (PDAs). An additional twenty-five dollars ($25) maintenance fee will be charged to the Member for the second claim and third claim .
-Source: http://www.ensquared.com/2_Year_Phone_Insurance_Terms.htm
I can't find anything from SquareTrade that's something like that as well. As far as I know from what the sales rep told me, all claims have a $99 deductible.
I would have said ripoff had I not used it twice now. First time I didn't even have it until after I needed it. Just so happened my email invite came right after my gnex jumped off my motorcycle. A few scrapes, but they bothered me. Second time I went for a swim trying to launch my boat. Not a bad deal when you consider a $400-800 device price tag.
kdissef said:
Who is getting this with the note 2? Good idea or rip off? Let me know!
Sent from my DROID RAZR using xda app-developers app
Click to expand...
Click to collapse
I got asurion for mine, its been good to me. I've gone from a DI 2 to a DGlobal 2 to a Droid 3 all replaced with out an extra fee.
Asurion is with verizon right? I ordered mine from walmart online. I assume I can still get Asurion and then if something happens, go to a verizon store and leave with a new phone. I assume with squaretrade I will have to use an old phone and it will take at least a week to get a new one? If not more with shipping each way.
Used asurion with my broken screen. Paid $130 deductible
from my Galaxy Note 2 using Tapatalk 2
Asurion is good. Just know that it doesn't cover malfunctions or phone issues.
GreystoneHD said:
I got asurion for mine, its been good to me. I've gone from a DI 2 to a DGlobal 2 to a Droid 3 all replaced with out an extra fee.
Click to expand...
Click to collapse
How did you get out of paying the deductible? I'm assuming that's what you meant by extra fee.
dawei213 said:
How did you get out of paying the deductible? I'm assuming that's what you meant by extra fee.
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Click to collapse
Well none had broken screens nor water damage. Never had to pay any deductible, all phones were replaced because of internal hardware issue as how VZW reps would put it on the claim
So i should do ensquared over asurion? What's the more reliable and less hassle option??
Sent from my DROID RAZR using xda app-developers app
kdissef said:
So i should do ensquared over asurion? What's the more reliable and less hassle option??
Sent from my DROID RAZR using xda app-developers app
Click to expand...
Click to collapse
If you plan on purchasing your phone from VZW then I recommend asurion. I've been with VZW over 5 years and all my phones had asurion. Haven't had any problems dealing with them so far.
kdissef said:
So i should do ensquared over asurion? What's the more reliable and less hassle option??
Sent from my DROID RAZR using xda app-developers app
Click to expand...
Click to collapse
Asurion was pretty good, the deductible was pretty bad tho when the phone was like $400 and they wanted $200 lol
for assurian, If you already have the phone, unless you get an invite by email, I think you'll have to go to the store and they have to 'look at it'. Before I got my insurance online, I took it in and they saw it was already damaged and said, no. Also, no, you won't leave the store with a new phone, they will overnight a phone to you and you get a shipping package to send the old one back. Also, may get a refurb if you use your insurance
flaring afro said:
Asurion is with verizon right? I ordered mine from walmart online. I assume I can still get Asurion and then if something happens, go to a verizon store and leave with a new phone. I assume with squaretrade I will have to use an old phone and it will take at least a week to get a new one? If not more with shipping each way.
Click to expand...
Click to collapse
I think both my deductibles were $100, it might vary by device?
IamPro said:
Asurion was pretty good, the deductible was pretty bad tho when the phone was like $400 and they wanted $200 lol
Click to expand...
Click to collapse
I think am going to add a rider to my home insurance policy. Only costs about 30 bucks a year and will cover all of our computer devices. There is a 50 dollar deductible and I get a check to replace the device rather than the refurb I would get with asurion. I read this tip here on another thread and checked with my agent about what coverage they offered. Much cheaper than the other cell coverage plans, covers all of our devices, lower deductible, and no refurbished phones as replacement. Unless I am missing something it seems like a no brainer.
Sent from my ADR6400L using xda app-developers app
miss chris said:
I think am going to add a rider to my home insurance policy. Only costs about 30 bucks a year and will cover all of our computer devices. There is a 50 dollar deductible and I get a check to replace the device rather than the refurb I would get with asurion. I read this tip here on another thread and checked with my agent about what coverage they offered. Much cheaper than the other cell coverage plans, covers all of our devices, lower deductible, and no refurbished phones as replacement. Unless I am missing something it seems like a no brainer.
Sent from my ADR6400L using xda app-developers app
Click to expand...
Click to collapse
Won't a claim against your home insurance policy increase the rate, no matter how small the claim and payout would be?
Related
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.
Click to expand...
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.
Sent from my SAMSUNG-SGH-I727 using XDA App
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
Found this today, it looks like a way better deal then VZW has for the phones.
For $99 it looks like you get the same protection that VZW offers for about $70 cheaper ($6.99 x 24 months = $167.76) Plus the the deductible for a claim is only $59.00 (VZW $99)
Warranty even covers unlocked phone, no need to fake a stock phone to get a new one.
the only down side i see is the turn around time. 3-5 business days, with VZW its next day.
http://www.zagg.com/store/services/zaggsafe/safe.php
Your thoughts on this?
look at my sig. protectcell is where it's at for warranty insurance. can only get it within 30 days of buying the phone, though.
jayochs said:
look at my sig. protectcell is where it's at for warranty insurance. can only get it within 30 days of buying the phone, though.
Click to expand...
Click to collapse
Completely agree... Protect cell has unlimited claims and replaces with new devices instead of refurbs.
jayochs said:
look at my sig. protectcell is where it's at for warranty insurance. can only get it within 30 days of buying the phone, though.
Click to expand...
Click to collapse
Looked through their site. However, Didn't find any info on deductible?
Do you guys know how much protect cell deductible is?
LTEvo said:
Looked through their site. However, Didn't find any info on deductible?
Do you guys know how much protect cell deductible is?
Click to expand...
Click to collapse
First $80, second+ $120
Sent from my ADR6425LVW using XDA
$0 at best buy
Sent from my ADR6425LVW using XDA
Hey jayochs what if you buy a phone off of Ebay, will protectcell still cover it?
I dropped Sprint because they are outright insane with their new prices . I have been looking at a warranty with SquareTrade and did a little homework and found a $30 off coupon code . The price before the code is $124.99 and $94.99 after for a 2 year warranty and a $99 deductible if something happens. You will be paying Sprint $264 over the next 2 years without adding the added $150-$200 deductible. The Coupon code is FF30 if anyone is interested!
xbmoyx said:
I dropped Sprint because they are outright insane with their new prices . I have been looking at a warranty with SquareTrade and did a little homework and found a $30 off coupon code . The price before the code is $124.99 and $94.99 after for a 2 year warranty and a $99 deductible if something happens. You will be paying Sprint $264 over the next 2 years without adding the added $150-$200 deductible. The Coupon code is FF30 if anyone is interested!
Click to expand...
Click to collapse
While I do love Squaretrade, I have taken my previous phones to Sprint many times for repairs, and have never been charged a deductible after they verified that I had Total Equipment Protection. This would have cost me a $99 dedudible each time had I gone with Squaretrade. So the Sprint insurance has its benefits, but you're definitely right about the high prices. I hope Squaretrade works out for you. I use them for my other electronics, and their customer service has always been very good. If you sign up for Squaretrade email, they send you a 30% off coupon every Tuesday.
Sent from my GT-P7510 using Tapatalk 2
caspertodd said:
While I do love Squaretrade, I have taken my previous phones to Sprint many times for repairs, and have never been charged a deductible after they verified that I had Total Equipment Protection. This would have cost me a $99 dedudible each time had I gone with Squaretrade. So the Sprint insurance has its benefits, but you're definitely right about the high prices. I hope Squaretrade works out for you. I use them for my other electronics, and their customer service has always been very good. If you sign up for Squaretrade email, they send you a 30% off coupon every Tuesday.
Sent from my GT-P7510 using Tapatalk 2
Click to expand...
Click to collapse
Yeah I called SquareTrade and asked and the fellow on the phone said if you have to send in your phone its a $99 deductible regardless of the phones situation but they will wave the fee if you go to a local store to get it fixed. He also couldnt locate a store near me so idk about SquareTrade anymore . I found another website GoCare whos prices are better then SquareTrade. Their $97 for 2 years and $50 deductible.
xbmoyx said:
Yeah I called SquareTrade and asked and the fellow on the phone said if you have to send in your phone its a $99 deductible regardless of the phones situation but they will wave the fee if you go to a local store to get it fixed. He also couldnt locate a store near me so idk about SquareTrade anymore . I found another website GoCare whos prices are better then SquareTrade. Their $97 for 2 years and $50 deductible.
Click to expand...
Click to collapse
Looks like I will be keeping Sprint tep... Square trade is cheaper but Sprint fixes my phones for free.
DarkManX4lf said:
Looks like I will be keeping Sprint tep... Square trade is cheaper but Sprint fixes my phones for free.
Click to expand...
Click to collapse
How so? You get out of the deducible somehow?
xbmoyx said:
How so? You get out of the deducible somehow?
Click to expand...
Click to collapse
There is a deductible for loss/ stolen and user damages. No repair deductible for software and defects from the factory.
Sent from my EVO using XDA
jamesjeter1 said:
There is a deductible for loss/ stolen and user damages. No repair deductible for software and defects from the factory.
Sent from my EVO using XDA
Click to expand...
Click to collapse
Right...But how often does this occur? Im concerned about broken screens and physical damage. The loss & theft im not worried about but GoCare does cover it but the deductible for that is $140 not $50.
xbmoyx said:
Right...But how often does this occur? Im concerned about broken screens and physical damage. The loss & theft im not worried about but GoCare does cover it but the deductible for that is $140 not $50.
Click to expand...
Click to collapse
Yeah that's true but I have more issues with my device failing than cracked screens or stolen phones...
xbmoyx said:
I dropped Sprint because they are outright insane with their new prices . I have been looking at a warranty with SquareTrade and did a little homework and found a $30 off coupon code . The price before the code is $124.99 and $94.99 after for a 2 year warranty and a $99 deductible if something happens. You will be paying Sprint $264 over the next 2 years without adding the added $150-$200 deductible. The Coupon code is FF30 if anyone is interested!
Click to expand...
Click to collapse
Tried the FF30 code. No Joy. Bounce was 'offer not applicable on this device'. Not to say Squaretrade is bad, I found a 10% off elsewhere and signed up with them.
Take57 said:
Tried the FF30 code. No Joy. Bounce was 'offer not applicable on this device'. Not to say Squaretrade is bad, I found a 10% off elsewhere and signed up with them.
Click to expand...
Click to collapse
Still worked for me today? I didn't buy theirs tho I bought GoCare.com's.
SENT FROM MY EVO 4G LTE!!!
I still am.keeping tep..like mentioned b4 I have had to get several phones replaced and at no fault of my own..I've never broke my screen or got water damage..things like the digitizer going bad or a speaker blowing would always cost the deductible at other places..and is also fast ..for me.its worth the peace of mind that comes with it ..and worth the $
xbmoyx said:
Still worked for me today? I didn't buy theirs tho I bought GoCare.com's.
SENT FROM MY EVO 4G LTE!!!
Click to expand...
Click to collapse
Yeah, I got the same screen, but when I got to the checkout it wouldn't accept the code.
YMMV
Take57 said:
Yeah, I got the same screen, but when I got to the checkout it wouldn't accept the code.
YMMV
Click to expand...
Click to collapse
Well that blows, I never got that far. Sorry for the false info then buddy. Go check out gocare.com their prices are better anyway.
SENT FROM MY EVO 4G LTE!!!
xbmoyx said:
Well that blows, I never got that far. Sorry for the false info then buddy. Go check out gocare.com their prices are better anyway.
SENT FROM MY EVO 4G LTE!!!
Click to expand...
Click to collapse
No harm, no foul. As mentioned, I got a 10% off coupon elsewhere. I had a slight hiccup getting S/N and receipt info to them. Spoke to a fellow on the phone, he couldn't have been nicer and I'm good to go.
Be sure and post how gocare works out for you...
Take57 said:
No harm, no foul. As mentioned, I got a 10% off coupon elsewhere. I had a slight hiccup getting S/N and receipt info to them. Spoke to a fellow on the phone, he couldn't have been nicer and I'm good to go.
Be sure and post how gocare works out for you...
Click to expand...
Click to collapse
Hah hopefully I won't have to use it and my otterbox defender case does the protection job for me. I just love piece of mind...:thumbup:
SENT FROM MY EVO 4G LTE!!!
xbmoyx said:
Right...But how often does this occur? Im concerned about broken screens and physical damage. The loss & theft im not worried about but GoCare does cover it but the deductible for that is $140 not $50.
Click to expand...
Click to collapse
I've had my OG evo replaced/repaired 3 times by sprint (in most cases in the same day) without paying the deductible. The issues they fixed was the power button stopped working and the Micro usb port stopped working 2x. That's probably what I'm most worried about, I've knocked my evo off my desk a few times while it was charging. The guys at the sprint store even gave me a couple of free batteries while waiting for my replacement phone to come in. This is what makes me consider keeping TEP.
Bestbuy offers their insurance plan for $10/month, same as ATT.
ATT's plan requires a deductible of upto $200 for replacement. I dont know if bestbuy requires a deductible or not and how much.
Any other insurance plan to consider?
Sent from my LG-E970 using xda premium
Did you buy your phone at Bestbuy?
Sent from my LG-E970 using Tapatalk 2
jamesc760 said:
Bestbuy offers their insurance plan for $10/month, same as ATT.
ATT's plan requires a deductible of upto $200 for replacement. I dont know if bestbuy requires a deductible or not and how much.
Any other insurance plan to consider?
Sent from my LG-E970 using xda premium
Click to expand...
Click to collapse
No deductible with Best Buy. Also check out squaretrade.
You have to purchase from best buy to get their insurance, but they either repair your phone or replace with new phone. ATT gives a refurb after charging deductible.
You really have to read the fine print with insurance. Not sure about the Best Buy plan, but I know that Squaretrade does NOT cover lost/stolen phones where the AT&T plan does. But then again, AT&T is a $199 deductible where squaretrade is $99. Also, it doesn't hurt to check with you current insurance provider...I know progressive has started offering mobile phone insurance as well, but at the end of the day, it cost about the same as AT&T.
I sell cell phones for Target and our insurance plan is better than AT&T's at the same price with a smaller deductible. But I've heard nothing but great things about Best Buy's insurance plan. If you bought it at Best Buy trust me get their plan over AT&T's insurance. There's no limit to the amount of claims you can make whereas at&t caps you at 2-3 depending on the frequency. Also yes the carriers are the only ones that cover lost or stolen phones but if I'm not mistaken you have to present a police report to show that you made a reasonable effort to locate your phone. And check with Best Buy on free battery replacements. At Target we offer 2 free battery replacements during the 2 years you have the phone in case your battery just gets progressively worse. In the case of a phone like the LGOG that translates to swapping out the phone since you can't just change the battery.
If you're already going to get insurance then anything other than the carrier is better.
Sent from my LG-E970 using xda app-developers app
It has a one year hardware warranty from LG..
$10/mo. "insurance" on a PHONE? What kind of crack are you tards smoking? I pay about that much to insure my HOUSE. why not just buy a second phone and keep it in the box instead?
:what:
Sent from my LG-E970 using xda app-developers app
amrando said:
$10/mo. "insurance" on a PHONE? What kind of crack are you tards smoking? I pay about that much to insure my HOUSE. why not just buy a second phone and keep it in the box instead?
:what:
Sent from my LG-E970 using xda app-developers app
Click to expand...
Click to collapse
This phone costs $550.00 to buy outright, if you went without insurance on it for the two year length of a contract you couldn't even buy half a phone.
But it is still a ridiculous amount of money to pay for an insurance policy on an item that costs only $550. You are paying half the cost of the device for insurance. I also get extended warranty, accidental loss and damage warranty from my Visa card when I purchase things on it.
My phone's been stolen along with my entire laptop bag in a smash & grab out of my car in the past too. All of the items stolen were covered under my car insurance. So I just cannot understand paying that much for a warranty, its a tremendous scam and HUGE profit for the retailer.
amrando said:
But it is still a ridiculous amount of money to pay for an insurance policy on an item that costs only $550. You are paying half the cost of the device for insurance. I also get extended warranty, accidental loss and damage warranty from my Visa card when I purchase things on it.
My phone's been stolen along with my entire laptop bag in a smash & grab out of my car in the past too. All of the items stolen were covered under my car insurance. So I just cannot understand paying that much for a warranty, its a tremendous scam and HUGE profit for the retailer.
Click to expand...
Click to collapse
it may be a scam...then again, most insurance policies are scams designed to benefit the provider. however, most folks that i know who have purchased a warranty have made claims on it.
how long does visa provide warranty services? a full 90 days? woohooo! and most policies only cover up to $500, which is less than the cost of our phone.
comparing the value two vastly different types of insurance coverage based solely on the monthly cost is just plain silly on your part. insurance costs are "supposedly" based on the likelihood of claims being made against a policy and the payout associated. chances are, that you're much more likely to make a claim for a lost or damaged phone than you are for house or car. why? cause for house or car the cops gotta come out and the insurance adjuster and papers and photos taken and if you're found to be a liar, then you get charged with insurance fraud (which is a bad thing). but the likelihood that you'll drop your phone on the concrete, sit on it, have it stolen, leave it someplace or have the battery crap out on you are pretty high and no police reports or investigations are required. AND since our phones have non-replaceable batteries, i'd bet that a fair number of folks who get insurance will also have a new phone in 18-20mths.
Amrando is a quintessential troll, just ignore him.
Sent from my LG-E970 using xda premium
Which insurance did you get? T-Mobile's? 3rd party?
I'm trying to decide if I should even get insurance or not.
Turb0wned said:
Which insurance did you get? T-Mobile's? 3rd party?
I'm trying to decide if I should even get insurance or not.
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I use a 3rd party. Worth Ave Group. They have the best prices and cover everything except lost, but as the lady told me on the phone if you leave your phone somewhere and go back to get it and its gone then it has been "stolen". ;o)
Lots of discount codes you can find online as well.
I have my phone and tablet covered for up to $500 reimbursement and it cost me $52 for the year. FYI, if you have a tablet its cheaper to insure that and then add your phone for an additional $10!
I got ins through TMo
branshaw09 said:
I use a 3rd party. Worth Ave Group. They have the best prices and cover everything except lost, but as the lady told me on the phone if you leave your phone somewhere and go back to get it and its gone then it has been "stolen". ;o)
Lots of discount codes you can find online as well.
I have my phone and tablet covered for up to $500 reimbursement and it cost me $52 for the year. FYI, if you have a tablet its cheaper to insure that and then add your phone for an additional $10!
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Thanks! Im going to look into them. Can I insure at anytime or is it within a certain amount of days after buying the phone?
Turb0wned said:
Thanks! Im going to look into them. Can I insure at anytime or is it within a certain amount of days after buying the phone?[/QUOTE
Of course! You can do it at anytime. You just have to provide IMEI number.
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Nexus 4 is my insurance.
After discovering the insurance plan for $7/mo had a $150 deductible I decided to forget insurance and purchase a Nexus 4 for $300 if the unthinkable happened.
Sent from my HTC One using Tapatalk 2
Ever since I had a second phone stolen from me and I had to either eat the cost of a full priced phone or get a second line on the account, I've made sure to always have the best protection.
blackangst said:
I got ins through TMo
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Correction. I just got a plan through Square Trade and dropped my TMo ins. TMo ins for this phone for full coverage is 11.99/mo with $130 deductable. Square Trade covers more and is $99 for two years with $99 deductable. Its $125 on their site but I got the $99 price from amazon.