warning - if you change phones your "total-replacement" insurance may be invalid
I had a Kyocera 6035 phone and bought a Motorola v265 phone through Verizon telesales and. When I bought the phone I also bought a new phone plan and what Verizon calls "TEC Insurance - Asurion", a $4.99 total equipment coverage plan that includes theft protection and an extended warranty.
I returned the v265 phone because I didnt like it and went back to my original phone and original contract. What I didnt realize (because I wasnt told by Verizon) is that my TEC Insurance wasnt cancelled. When I noticed this in January I asked Verizon if this coverage would cover my old phone. They said yes so I kept it.
I have now learned that the TEC Insurance with Asurion only knows about the original phone that was covered, the Motorola v265 ph...
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I returned the v265 phone because I didnt like it and went back to my original phone and original contract. What I didnt realize (because I wasnt told by Verizon) is that my TEC Insurance wasnt cancelled. When I noticed this in January I asked Verizon if this coverage would cover my old phone. They said yes so I kept it.
I have now learned that the TEC Insurance with Asurion only knows about the original phone that was covered, the Motorola v265 ph...
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You are so full of CRAP !!!
The below info was taken directly from Asiourns Website. www.phoneclaim.com I have had the insurance for years on an account with many lines, after having used it several times it is a wonderful service, and they have never questioned why I have a different phone than the one orginally purchased.
Q: If a phone is changed or additional accessories are purchased, must Asurion be notified?
A: No. In the event of a claim, Asurion will be notified by the wireless service provider that the Electronic Serial Number (ESN) has been changed. Additional accessories that are purchased are covered if claimed unless otherwise specified by Asurion or the wireless service provider.
Get your faccts straight before pso...
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The below info was taken directly from Asiourns Website. www.phoneclaim.com I have had the insurance for years on an account with many lines, after having used it several times it is a wonderful service, and they have never questioned why I have a different phone than the one orginally purchased.
Q: If a phone is changed or additional accessories are purchased, must Asurion be notified?
A: No. In the event of a claim, Asurion will be notified by the wireless service provider that the Electronic Serial Number (ESN) has been changed. Additional accessories that are purchased are covered if claimed unless otherwise specified by Asurion or the wireless service provider.
Get your faccts straight before pso...
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if you didn't buy the 7135 through vzw or a vzw retailer, assurion can't insure that phone. so you did an phone upgrade to a new phone and then you returned the phone and programmed one that 1.) you didn't have before and 2.) vzw doesn't sell anymore. do you know how many times the insurance company's been ripped off for this exact scenario? an awful lot more than the 5.99 you're paying would ever cover....
whether your intentions are honorable or not, your situation SCREAMS insurance fraud, which is why assurion won't insure you.
whether your intentions are honorable or not, your situation SCREAMS insurance fraud, which is why assurion won't insure you.
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I dont understand why my situation screens insurance fraud. You bring up a good point that since I didnt buy a new phone the insurance co. might not honor a claim. Again, Verizon should have alerted me to this when I switched phones last Monday. I've been with them since 1998 (well.. they were GTE then) and I feel like an idiot for believing they would look out for their customers best interests.
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Atoz.
Verizon Wireless has a contract with Asurion. Verizon Wireless has absolutely no say what-so-ever when it comes to what Asurion does for insurance claims.
Put it this way, if a serial number does not match the one the insurance company carries, then no claim will be made. If you do a esn change to a brand new phone, change your mind, and go back to the OLD esn, technically the insurance on your OLD esn/phone is now void. Why? Your OLD esn/phone is most likely more than 15 days old. It no longer falls under the catagory of "Able to be insured". This is very typical of any/all insurance companies.
Don't be mad at VZW. The customer service people do not, nor will they ever (at least as far as I can see) work on Asurion insurance ...
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Verizon Wireless has a contract with Asurion. Verizon Wireless has absolutely no say what-so-ever when it comes to what Asurion does for insurance claims.
Put it this way, if a serial number does not match the one the insurance company carries, then no claim will be made. If you do a esn change to a brand new phone, change your mind, and go back to the OLD esn, technically the insurance on your OLD esn/phone is now void. Why? Your OLD esn/phone is most likely more than 15 days old. It no longer falls under the catagory of "Able to be insured". This is very typical of any/all insurance companies.
Don't be mad at VZW. The customer service people do not, nor will they ever (at least as far as I can see) work on Asurion insurance ...
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I phoned Asurion today (1.800.641.0019 in case anyone needs to know) and I found out that.... THEY DONT COVER ME. Yes - Verizon has "TEC Insurance - Asurion" listed on my billing statement, but because of where I live and my area code my TEC insurance is serviced by Lockline (1.877.646.7874).
I called Lockline and they verified I was paying for coverage according to my Verizon records but I wasnt in their system. They told me that I was covered for loss and physical damage but the warranty of the phone operation was from Verizon itself. I asked twice and their rep. said that I needed to talk with Verizon about any extended warranty on the phone.
I called Verizon and told them about how my bill said Asurion not Lockline. I asked about ...
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I called Lockline and they verified I was paying for coverage according to my Verizon records but I wasnt in their system. They told me that I was covered for loss and physical damage but the warranty of the phone operation was from Verizon itself. I asked twice and their rep. said that I needed to talk with Verizon about any extended warranty on the phone.
I called Verizon and told them about how my bill said Asurion not Lockline. I asked about ...
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I am only repeating what I heard from the Verizon customer service rep. a few hours ago. Aparently you know more than they do.
In fact I went to the verizonwireless home page, clicked on search, and I found 1 entry for Asurion (something about RoadSide assistance) and nothing for phoneclaim.com.
In fact I went to the verizonwireless home page, clicked on search, and I found 1 entry for Asurion (something about RoadSide assistance) and nothing for phoneclaim.com.
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Phoneclaim.com is a website operated by Asurion. The site can actually be used to file a claim. The site is totally legitimate.
But almost all the information on the site deals with insurance. Total Equipment Coverage also includes an extended warranty. The extended warranty is backed by Verizon Wireless--not by Asurion.
The extended warranty covers internal defects and malfunctions that occur after the one year manufacturer's warranty has ended. If such a malfunction occurs, VZW will replace the phone with a warranty replacement unit (i.e., refurbished phone of the same model that comes without the battery) at no charge. Under the extended warranty, there is no $50 deductible.
Total Equipment Coverage includes both in...
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But almost all the information on the site deals with insurance. Total Equipment Coverage also includes an extended warranty. The extended warranty is backed by Verizon Wireless--not by Asurion.
The extended warranty covers internal defects and malfunctions that occur after the one year manufacturer's warranty has ended. If such a malfunction occurs, VZW will replace the phone with a warranty replacement unit (i.e., refurbished phone of the same model that comes without the battery) at no charge. Under the extended warranty, there is no $50 deductible.
Total Equipment Coverage includes both in...
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First off, thank you very much for the detailed post. It cleared many things up. But it also left me with one question:
On 9/22/04, I bought the V710 at full retail price. I also added the Insurance for 5.99/month (I really didn't want to have it break and have to pay $500 for another new phone). After several months (and 6 warranty replacements), I was extremely dissatisfied with the V710, so I bit the bullet and paid full retail for the VX8000 and, obviously, changed the ESN. Now, is my VX8000 covered? Or am I paying the 5.99/month for nothing now?
Thanks
On 9/22/04, I bought the V710 at full retail price. I also added the Insurance for 5.99/month (I really didn't want to have it break and have to pay $500 for another new phone). After several months (and 6 warranty replacements), I was extremely dissatisfied with the V710, so I bit the bullet and paid full retail for the VX8000 and, obviously, changed the ESN. Now, is my VX8000 covered? Or am I paying the 5.99/month for nothing now?
Thanks
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Your VX-8000 is covered. Any phone that you purchase brand new directly from VZW is eligible for insurance and the extended warranty.
The insurance and warranty became applicable to the VX-8000 when you performed the ESN change.
There is a paper trail (your receipt) as well as an electronic trail that shows that you bought the phone brand new from VZW.
This type of ESN change will always "pick up" insurance or warranty coverage that is already on the account for that phone number.
The gray areas and disqualifying ESN changes are those that involve a phone that is not brand new. The question that arises is whether the phone ever had insurance, whether it is under one year old, and if not, whether it ever had the exte...
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The insurance and warranty became applicable to the VX-8000 when you performed the ESN change.
There is a paper trail (your receipt) as well as an electronic trail that shows that you bought the phone brand new from VZW.
This type of ESN change will always "pick up" insurance or warranty coverage that is already on the account for that phone number.
The gray areas and disqualifying ESN changes are those that involve a phone that is not brand new. The question that arises is whether the phone ever had insurance, whether it is under one year old, and if not, whether it ever had the exte...
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Thank You very much, bear, for the very detailed response. It makes things much clearer now.
Thanks, again.
Thanks, again.
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The insurance you contracted for was being provided by Assurian not VZW. Why would you ask VZW for insurance coverage details?
I can see asking them for their guess but I woudl certainly not rely on it. I just purchased a new auto and had many opinions regarding how to handle taking the vehicle from one state to another. That was all very interesting but I relied onmy insurance provider's response.
I can see asking them for their guess but I woudl certainly not rely on it. I just purchased a new auto and had many opinions regarding how to handle taking the vehicle from one state to another. That was all very interesting but I relied onmy insurance provider's response.
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