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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.
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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
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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?
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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
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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
I pre-ordered my EVO through BB. I'm contemplating where to get my insurance now though. Can I go through Sprint still? Should I get the BB insurance? SquareTrade? Other?
What are some pros/cons from experience? I figured this would help a lot of people out. Thanks in advance!
Sent from my PC36100 using XDA
i would check with BB, but you can get it through sprint. just call them and ask for it, should be good to go
PsiPhiDan said:
I pre-ordered my EVO through BB. I'm contemplating where to get my insurance now though. Can I go through Sprint still? Should I get the BB insurance? SquareTrade? Other?
What are some pros/cons from experience? I figured this would help a lot of people out. Thanks in advance!
Sent from my PC36100 using XDA
Click to expand...
Click to collapse
My 2cent experience.
BB is a great insurance from a cost perspective. No deductible if your phone needs replacement. The only down side with BB insurance is if there is an issue, they need to send it in.
My BB Story:
I sent in my OG Evo because it had a bad charging port (common problem). It took them a month and a half to get it back to me. Meanwhile they gave me a beat up LG Optimus as a lender phone. It was decent, but it felt like a life time without MY phone. They fixed the charging port on my Evo and sent it back, but when I got it back, I noticed that they blew out the one capacitative button (above the charging port). I couldn't send it out and wait AGAIN. So I used LED hack to keep those lights off, because it looked like it was missing a front tooth.
Also, if you lose or your phone is stolen, your SOL. I dropped my Evo into the dark endless bottom of a lake (SOL).
You can go onto the Sprint Insurance after you buy your phone elsewhere, like BB. Nice things about Sprint is that they replace lost or stolen phones. If you need a replacement they get you one immediately. Downsides: Replacement phone might be refurbished and you have to pay a high deductible.
It's really whatever floats your boat. Sorry for the long post.
just to add to sprint's TEP you should be able to add TEP through sprint within 30 days
Also I believe now Sprint is uping their TEP cost to 11$ per month. For phones that cost 500$+ w/o contract. It is Asurion that provides the insurance, and from what I read the LTE will have a 150$ deductible.
So essentially you will end up paying $264 for 2 years + 150 deductible = $414.
And I currently have insurance on my OG Evo. I am seriously considering just dropping the insurance. If I break my LTE, just keep my old Evo as back up or buy something on craigslist. And after a year you can get the 75$ credit towards an upgrade.
I am leaning towards just saving my money on the insurance.
purock said:
My 2cent experience.
BB is a great insurance from a cost perspective. No deductible if your phone needs replacement. The only down side with BB insurance is if there is an issue, they need to send it in.
My BB Story:
I sent in my OG Evo because it had a bad charging port (common problem). It took them a month and a half to get it back to me. Meanwhile they gave me a beat up LG Optimus as a lender phone. It was decent, but it felt like a life time without MY phone. They fixed the charging port on my Evo and sent it back, but when I got it back, I noticed that they blew out the one capacitative button (above the charging port). I couldn't send it out and wait AGAIN. So I used LED hack to keep those lights off, because it looked like it was missing a front tooth.
Also, if you lose or your phone is stolen, your SOL. I dropped my Evo into the dark endless bottom of a lake (SOL).
You can go onto the Sprint Insurance after you buy your phone elsewhere, like BB. Nice things about Sprint is that they replace lost or stolen phones. If you need a replacement they get you one immediately. Downsides: Replacement phone might be refurbished and you have to pay a high deductible.
It's really whatever floats your boat. Sorry for the long post.
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Click to collapse
Ya i hear these all the time because thats what the old insurance plan used to be.
Let me tell you about the changes they did for the Black Tie Protection plan from best buy.
2 Options:
1) Rapid Exchange program where it takes 2-5 business days for you to get another phone. Yes it will be a refurb phone and most of the phones I send out they usually come in 2 days.
2) repair program where you can send out your phone to be repaired and u will get the same unit. Takes anywhere from 2-4 weeks to get your phone back. Now this good thing about this option is that if your phone is not cost effective to repair then they will they give u full retail value to either get the same phone or u might be able to get yourself a new phone. Ive had times where ppl had the epic 4g and they were tired of it, sent it out and 3 weeks later they got themselves an epic 4g touch for $50 since the price difference from retail cost was 649.99 to 699.99. Now this may not always happen but it can.
LTEvo said:
Also I believe now Sprint is uping their TEP cost to 11$ per month. For phones that cost 500$+ w/o contract. It is Asurion that provides the insurance, and from what I read the LTE will have a 150$ deductible.
So essentially you will end up paying $264 for 2 years + 150 deductible = $414.
And I currently have insurance on my OG Evo. I am seriously considering just dropping the insurance. If I break my LTE, just keep my old Evo as back up or buy something on craigslist. And after a year you can get the 75$ credit towards an upgrade.
I am leaning towards just saving my money on the insurance.
Click to expand...
Click to collapse
This is pretty much my thoughts on insurance as well.
It's not really worth it. I'm keepmy my OG Evo as well for backup in case anything happens with my EVO LTE.
The Sprint warranty is essentially you making a $464($200 deductible + $11*24months) 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.
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 $90 more to break your phone w/o insurance than with.
Are you really going to drop down $264($11/month) to maybe save $85 one day?
Theres this insurance company:
http://www.squaretrade.com/pages/android-landing1
I dont have any experience through them so i dunno, seems the reviews are good though but its a bit pricey @ $70 a year or $125 for 2 .
"Coverage up to $750. Coverage only available
for phones bought in the past 30 days."
Where did that 11$ came in? Are they changing it soon I paid 8$ at month and deductible is 100$ btw I do keep my insure for almost a year and then drop it ain't worth it for 24 months
Sent from my Sprint Galaxy Nexus CDMA using Tapatalk 2
LTEvo said:
Also I believe now Sprint is uping their TEP cost to 11$ per month. For phones that cost 500$+ w/o contract. It is Asurion that provides the insurance, and from what I read the LTE will have a 150$ deductible.
So essentially you will end up paying $264 for 2 years + 150 deductible = $414.
And I currently have insurance on my OG Evo. I am seriously considering just dropping the insurance. If I break my LTE, just keep my old Evo as back up or buy something on craigslist. And after a year you can get the 75$ credit towards an upgrade.
I am leaning towards just saving my money on the insurance.
Click to expand...
Click to collapse
they don't have $75 upgrade anymore
NasTraDooMis said:
Theres this insurance company:
http://www.squaretrade.com/pages/android-landing1
I dont have any experience through them so i dunno, seems the reviews are good though but its a bit pricey @ $70 a year or $125 for 2 .
"Coverage up to $750. Coverage only available
for phones bought in the past 30 days."
Click to expand...
Click to collapse
How is that pricey? Way cheaper than Sprint and BB.
Sent from my PC36100 using XDA
ticklemepinks said:
they don't have $75 upgrade anymore
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Click to collapse
Hmm...I swear they were still giving 75$ credit for adding another year to your contract. Guess not, looks like this was canceled.
I'm keeping sprint's insurance... pay the deductable and get a new phone over nighted no questions asked for any reason!
Sent from my Nexus S 4G using Tapatalk 2
Ep3n3wp said:
I'm keeping sprint's insurance... pay the deductable and get a new phone over nighted no questions asked for any reason!
Sent from my Nexus S 4G using Tapatalk 2
Click to expand...
Click to collapse
People have been doing some intense math on this forum regarding the TEP, and it seems that you'll pay about $450 for the insurance if you use it once. That's hardly worth it when the phone won't even be worth that in a year. I would recommend against it honestly, but if the peace of mind is worth it than do what you've gotta do.
PsiPhiDan said:
People have been doing some intense math on this forum regarding the TEP, and it seems that you'll pay about $450 for the insurance if you use it once. That's hardly worth it when the phone won't even be worth that in a year. I would recommend against it honestly, but if the peace of mind is worth it than do what you've gotta do.
Click to expand...
Click to collapse
It really boils down to how much of a clutz you are. if you are always dropping and/or breaking your phone and loosing it I think insurance is a smart buy. If you are very careful and treat it like your baby then insurance is about as bad a buy as when playing blackjack.
Okay how about ensquared.com? For $99, I get 2 years coverage and get:
-3 claims up to $1000 each (only a max of $600 TOTAL through squaretrade)
-$75 deductible (better than the $100 one through squaretrade)
-covers lost, stolen, dropped, water, etc.
Seems like the way to go! Any thoughts on this? Experience with them?
TEP is a house bet for most people. Those who haven't read this yet, read this write up by Mathman here.
I just dumped my TEP, 37.5% price increase with 100% deductible increase to go with it. On top of that, no guarantee your replacement is going to be new, it's most likely going to be a refurb which doesn't have the full value of a new phone.
I have always had TEP, and it has saved me multiple times. With my Samsung Moment, I bricked it several times. The first thing they asked me "do you have TEP?". Then they would replace it (for free) no questions asked. I have had them repair my wife's old Hero a couple times, and have had them repair other phones in the past. I have yet to pay a single deductible.
For me personally, TEP has worked out, and saved me a lot of money. So keep in mind that TEP does have some benefits too, and not every repair requires a deductible. I personally cannot afford forking out $599 for a new phone if I did not have insurance, so I have to have some sort of it. Squaretrade with a 30% off coupon makes the warranty about $90 for two years with accidental damage (doesn't cover lost or stolen), that is the other choice I would look at, but I think I may stick with TEP because of my past experience. The price hike does piss me off though.
caspertodd said:
I have always had TEP, and it has saved me multiple times. With my Samsung Moment, I bricked it several times. The first thing they asked me "do you have TEP?". Then they would replace it (for free) no questions asked. I have had them repair my wife's old Hero a couple times, and have had them repair other phones in the past. I have yet to pay a single deductible.
For me personally, TEP has worked out, and saved me a lot of money. So keep in mind that TEP does have some benefits too, and not every repair requires a deductible. I personally cannot afford forking out $599 for a new phone if I did not have insurance, so I have to have some sort of it. Squaretrade with a 30% off coupon makes the warranty about $90 for two years with accidental damage (doesn't cover lost or stolen), that is the other choice I would look at, but I think I may stick with TEP because of my past experience. The price hike does piss me off though.
Click to expand...
Click to collapse
See my above post. Ensquared seems to be a better bet than SquareTrade.
Sent from my PC36100 using XDA
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
Click to expand...
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
Click to expand...
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 $50 for the loaner phone that gets returned back to you after you return it. They don't all do that, but they are supposed to, so keep that in mind that YMMV.
Everything else in the OP is right. BBY won't deny a claim unless you fully submerged it, nor would they even know that unless you told them. There is a girl at my store that literally drops and shatters her iPhone screen atleast 2 times a month and it's been happening for over a year now, never had an issue. Also, with GSPTB, you are entitled to a 1-time battery replacement on your phone as well which is awesome, but unfortunately doesn't apply to phones without removable batteries.
Hopefully this clarified things for you guys and gave you an idea of both sides to the GSBTP story
@-viperboy-
Thank you for the clarification.
~ I'm a fungi
this was mentioned in another thread... just didnt want to hijack the thread so i post it in a new one...
It will void your HTC "factory" warranty but if u have sprint tep then you can use the unroot and relock methods posted in the threads and you should be able to return them to sprint for repairs and such
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So, i never gave any insurances for phones a big thought... if you think, that I had plenty phones, and none of them got so damaged, lost, thrown in the water... that I was worried about insurance...
I mean you pay depending where about 10$ 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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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.
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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
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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
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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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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
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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 $200 a total ripoff. I guess TEP is a good investment within the first 4 months of a phones released.
Sent from my EVO using XDA
Well lets put it this way I've had phones since they first came out. Remember that BIG Motorola ! Also one of the first car phones. I've never had insurance or had a need for it. Same with screen protectors. Each to his own.
Sprint tep has gotten me out of soo many o**** moments that I will continue to pay for it and is probably one of the main reasons I have stuck it out with sprint. No other carrier has "repair" centers like sprint does
Sent from my GT-I9300 using xda premium
So along with the protection such as the glass protector, and a case, I'm debating whether to keep the Asurion on my monthly bill or just make the one time payment for the square trade plan.
Deductibles seem similar.
What did you guys do for your S4's?
Coderedpl said:
So along with the protection such as the glass protector, and a case, I'm debating whether to keep the Asurion on my monthly bill or just make the one time payment for the square trade plan.
Deductibles seem similar.
What did you guys do for your S4's?
Click to expand...
Click to collapse
I've had Asurion since I had my first flip phone with Verizon and I've never had a problem with it. I've heard that Square Trade takes a few days to ship replacements while Asurion is overnight.
Coderedpl said:
So along with the protection such as the glass protector, and a case, I'm debating whether to keep the Asurion on my monthly bill or just make the one time payment for the square trade plan.
Deductibles seem similar.
What did you guys do for your S4's?
Click to expand...
Click to collapse
Neither and here's why. I bought my galaxy S4 retail for 650$
If I pay the 7 per month for one year and my phone breaks after that point (I'm using a year because that is the typical length of a standard warranty) I have shelled out 84 +100$ for a used version of my phone. This sounds fantastic. However the problem is in a year the S 4 will cost around 350 recertified (possibly cheaper used). If you break it in two years you can get an on contract new phone for 200. If you never break it you shelled out 168$ for absolutely nothing.
The false comparison they make to hook you is the cost of a new phone. You paid 650 for a new phone, or the phone is valued at 650 you will want to protect that. The reality is unless you go outside and break it, the phone will not be worth anywhere near that when you go to replace it.
I had a friend who had asurion since his razr. I asked him why he doesn't just set aside 7 bucks a month for an oh **** phone fund. he started doing that when he bought the iphone 4. he now has enough to but pretty much any phone out.
[email protected] said:
Neither and here's why. I bought my galaxy S4 retail for 650$
If I pay the 7 per month for one year and my phone breaks after that point (I'm using a year because that is the typical length of a standard warranty) I have shelled out 84 +100$ for a used version of my phone. This sounds fantastic. However the problem is in a year the S 4 will cost around 350 recertified (possibly cheaper used). If you break it in two years you can get an on contract new phone for 200. If you never break it you shelled out 168$ for absolutely nothing.
The false comparison they make to hook you is the cost of a new phone. You paid 650 for a new phone, or the phone is valued at 650 you will want to protect that. The reality is unless you go outside and break it, the phone will not be worth anywhere near that when you go to replace it.
I had a friend who had asurion since his razr. I asked him why he doesn't just set aside 7 bucks a month for an oh **** phone fund. he started doing that when he bought the iphone 4. he now has enough to but pretty much any phone out.
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Click to collapse
Thats all fine and dandy until you break or lose multiple phones multiple times. Then the insurance would be cheaper in the long run.
Have you considered Ensquare?
That is what I chose. Their coverage is more complete, IMHO. It protects against "stupidity." :silly:
NiteQwill said:
Have you considered Ensquare?
That is what I chose. Their coverage is more complete, IMHO. It protects against "stupidity." :silly:
Click to expand...
Click to collapse
Have you ever gotten a replacement from them? Was it fairly easy? Their 1 year plan seems perfect for me since I don't keep phones long.
NiteQwill said:
Have you considered Ensquare?
That is what I chose. Their coverage is more complete, IMHO. It protects against "stupidity." :silly:
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Click to collapse
Got my 2 year insurance at Staples for $150.
I've gone with Squaretrade with past products, but have never had to actually replace anything...
mbh87 said:
Thats all fine and dandy until you break or lose multiple phones multiple times. Then the insurance would be cheaper in the long run.
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Click to collapse
well you can only replace a phone twice in a 2 year period with asurion. Obviously everyone has different mileage. I know people who break their phones all the time despite having otterboxes screen protectors etc. My last 4 phones haven't had a case and despite heavy use and serious software customization they've all made it through 2 years or more with the exception of my galaxy nexus which died this week (antennas stopped working which is kind of a known problem with early galaxy nexuses). I'd still venture to say that for the average person who takes reasonable care of their phone you still make out better saving your money over using insurance. Mileage may vary.
edit: yeesh apparently some phones are 169 or 200$ deductibles from asurion. insane.
[email protected] said:
edit: yeesh apparently some phones are 169 or 200$ deductibles from asurion. insane.
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It's only $100 to get it replaced through asurion on VZW. I believe it's more on other carriers, but isn't the case for us. $5 a month plus $100 deductible isn't bad to have the piece of mind IMO.
I went Ensquared
I just got square trade last night...they offer $99 for 2 years of coverage. The deductible is $100 for replacement...new or refurbished...and you have no limit to how many claims you make. Also...they ship overnight...no a few days like someone else posted. Personally $99 for 2 years is cheap...if you pay Verizon's monthly cost it's near $200 over the 2 years. Square trade also has a monthly payment plan of $5 or $6 they do deduct each month...so you have options. They are also open 24/7 and you can even make a claim online.
Sent from my SCH-I545 using Tapatalk 2
chrishoyt2012 said:
I just got square trade last night...they offer $99 for 2 years of coverage. The deductible is $100 for replacement...new or refurbished...and you have no limit to how many claims you make. Also...they ship overnight...no a few days like someone else posted. Personally $99 for 2 years is cheap...if you pay Verizon's monthly cost it's near $200 over the 2 years. Square trade also has a monthly payment plan of $5 or $6 they do deduct each month...so you have options. They are also open 24/7 and you can even make a claim online.
Sent from my SCH-I545 using Tapatalk 2
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Hmm, i'll give them a call with some questions and I might go this route!
I've always used Asurion or BestBuy insurance. On my S3 I had Asurion & BestBuy.
I used Asurion for quite a few years. And I had pretty good luck with them. My job involves working around water. And like someone else pointed out Asurion only allows 2 phones per year. Which for most isnt a huge deal. But square trade had a pretty decent deal. So i went with them on my S4. Thankfully I havent had the chance to use them yet. But i dont really think you can go wrong with either.
Asurion replaced my bionic no questions asked, great CS. However, they only deal refurb phones :/ Not sure if that's standard for all insurance company's..
[email protected] said:
Neither and here's why. I bought my galaxy S4 retail for 650$
If I pay the 7 per month for one year and my phone breaks after that point (I'm using a year because that is the typical length of a standard warranty) I have shelled out 84 +100$ for a used version of my phone. This sounds fantastic. However the problem is in a year the S 4 will cost around 350 recertified (possibly cheaper used). If you break it in two years you can get an on contract new phone for 200. If you never break it you shelled out 168$ for absolutely nothing.
The false comparison they make to hook you is the cost of a new phone. You paid 650 for a new phone, or the phone is valued at 650 you will want to protect that. The reality is unless you go outside and break it, the phone will not be worth anywhere near that when you go to replace it.
I had a friend who had asurion since his razr. I asked him why he doesn't just set aside 7 bucks a month for an oh **** phone fund. he started doing that when he bought the iphone 4. he now has enough to but pretty much any phone out.
Click to expand...
Click to collapse
That's all well and good but what if your phone gets broken in a month or 6 months.I would much rather pay $100 than $649 for a new one.I don't really count the $7 a month.I easily waste a lot more than that each month.