What does insurance entitle me to?
If the phone breaks, can I only replace it or can I exchange for a newer model or a different model altogther? What if I just don't like how it performs (after the 15 days), will the insurance will covers an exchange for a different phone? If some/none of the above, what else?
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You get the same phone or a similar model if they are out of your model. You have to pay a deductible though.
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also to let you know,insurance is thru a different company, so its what ever they have in stock that is comparable to your phone. they will replace with what you have wise.it also most of the time is a refurbished phone.unless your phone is one of the very new phones.then it will be a new phone of your ,since they cant have any refurbs yet. plus will have a 50.00 deductible.and may also require a police report if reported as lost/stolen. only if they dont have your will they replace with something by a different manufacturer.which may be good- better . or bad by being a cheaper phone.like the moto v710 was being replaced by moto e815s. practically same phone except v710 had analog and e815 is digital only.so only way to...
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Thanks for the detailed explanation! 😎
And since you have experience with the insurance, is the $2.00/$6.00 coverages worth it? I've never lost or have a defective phone, so I never bother with signing up with an insurance, but I'm thinking of doing so when I decide to get a new phone... if it is a good idea.
And since you have experience with the insurance, is the $2.00/$6.00 coverages worth it? I've never lost or have a defective phone, so I never bother with signing up with an insurance, but I'm thinking of doing so when I decide to get a new phone... if it is a good idea.
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i say insurance is a great thing ...
i would just say go through an agant when you get the phone ...this way the protection is done in a store and not over the phone and it ends up being cheaper for you in the long run
i would just say go through an agant when you get the phone ...this way the protection is done in a store and not over the phone and it ends up being cheaper for you in the long run
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I talk to too many people whose phone broke and whose only recourses are eBay, that $90 refurb you can get in regular VZW stores, or full retail. Get the insurance. Is there a good chance you're going to pay a good amount of money over the life of it without ever filing a claim? Yes. THAT IS THE POINT OF INSURANCE. Five bucks a month isn't too bad (six bucks if you want to extend the warranty). So long as you bear in mind that it is insurance, not Frank's Free Phone Factory, you should find that it's a solid investment.
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I see your point. And seeing that it's around $60/yr, if the phone should "break" during that time, it's more worthwild to get a replacement at that price than buying a new one.
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In fact, you will find with quick Google search that there are class action lawsuits pending against several of the cell phone insurance carriers such as Lockline and Assurion because their insurance sucks. Basically you end up paying $60.00 per year and then when you have a claim there is a $50.00 deductible and they require a police report, etc. etc. Then they send you a refurb phone that is likely a used piece of junk that someone else returned. Unless you're a dumb blonde that's going to drop your phone in the toilet, then you're far better off taking your chances and if the time comes that you need a new phone just realize that it might be 3 or 4 hundred dollars full retail rather than the subsidised price that's usually advertised.
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So then you can't get a new phone if yours broke? Only refub? Do you continue to get a refub ones if those breaks as well unless they run out of those?
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Yes, that's the way it works unless as one previous poster mentioned you have a very new phone that's only been out for one day and there are no refurbs available. But, in most cases within days of a new phone coming out, refurbs are available because people start returning them immediately. When you file a claim, you don't get to choose what they send you. In a traditional insurance like a homeowner's policy, the insurance company would simply cut you a check for the replacement cost of the item lost and then you go buy a new one. That's not how this cell phone crap works and that's why its so sh!tty and people are suing over it. Don't take my word for it, research it a little and I bet you will decide not to waste your money on cell p...
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There are a lot of folks who don't seem able to afford $250 for a replacement phone, and the $5/month and $50 seems like a deal to them.
I have never had the insurance as I take care of my equipment even through cycling, hiking, horseback riding, etc. Some folks don't know what carefull is.
One problem is with phones like the T730 and it's very poor case/ flip trunions. (My wife had one)
She opened it once to answer a call and pieces of plastic went everywhere. It worked, as the ribon was connected but needed to be replaced.
It clearly, IMHO was a known factory defect in poor plastic. (I knew a lot of folks who had the same problem).
The Verizon store 'person' (rude type) said 'ya ya ya physical damage, you have to go to your insura...
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I have never had the insurance as I take care of my equipment even through cycling, hiking, horseback riding, etc. Some folks don't know what carefull is.
One problem is with phones like the T730 and it's very poor case/ flip trunions. (My wife had one)
She opened it once to answer a call and pieces of plastic went everywhere. It worked, as the ribon was connected but needed to be replaced.
It clearly, IMHO was a known factory defect in poor plastic. (I knew a lot of folks who had the same problem).
The Verizon store 'person' (rude type) said 'ya ya ya physical damage, you have to go to your insura...
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Listen guys. If you have a phone for 6 months to a year and then you breake it/drop it in water/lose it then you honestly think you should get a brand spankin' new phone? No! Its the same for warranty replacements. You bring in a used phone that doesn't work and you get a slightly less used, shined up, and tested to make sure it does work replacement.
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you can get new or refurb, depending on stock availability, if your phone is discontinued, the insurance company has to replace you with the same unit, so if they don't have it new (they prioritize new units), then they have to send you a refurb.
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QUICK FYI -- Phones dropped in toilet are not accepted back by the insurance company, people can just flush them or throw them away
Second - EVEN a manufacturer's warranty will return you a re-furbished phone unless you report this within 14 day of buying it new
Third - $50 Deductible is what the insurance charges just like you are paying your car insurance for years and then you get a booboo on your car and you gotta dish out $500-$1000 deductible. Don't whine. $5 to $7 is nothing per month, you could spend that money some other useless way, trust me at that time of need that $50 dollar deductible sounds a lot better than over $199 retail
Second - EVEN a manufacturer's warranty will return you a re-furbished phone unless you report this within 14 day of buying it new
Third - $50 Deductible is what the insurance charges just like you are paying your car insurance for years and then you get a booboo on your car and you gotta dish out $500-$1000 deductible. Don't whine. $5 to $7 is nothing per month, you could spend that money some other useless way, trust me at that time of need that $50 dollar deductible sounds a lot better than over $199 retail
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Insurance entitles you to pay $60 for the first year plus $50 for a replacement phone. That's $110 for a used phone if you make a claim after one year, or $170 for a used phone after two years.
That's why I don't buy insurance or extended warranties on any product that I purchase. It's a great deal for the selling company or for the agent earning a commission, but a poor deal for the end user.
That's why I don't buy insurance or extended warranties on any product that I purchase. It's a great deal for the selling company or for the agent earning a commission, but a poor deal for the end user.
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FYI we dont earn a comission off insurance or roadside. Our company does not see a penny for those features
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and 170 dollars to replace a lost phone after two years is a good deal considering that the basic phone with the least amount of fearutes available retails around 120. and if you want a camera I think the lowest camera phone is 200. You tell me what the better deal is.
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$170 to replace a lost phone after two years is NOT a good deal. That is crazy. If my phone survives for 22 months, I can get a new one at the discount price plus use my $50 or $100 new every two credit and basically upgrade my phone for free in most cases. I think the insurance is only for people who are stupid and/or severely accident prone and plan on wrecking a phone after only a few months have passed.
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or people like me that don't carry a contract or only do one year plans and use very high end phones. I am buying a chocolate as soon as it posts tonight and if i loose it i don't feel like paying 350 to get a new one. Now if you have some mid or low end phone then yes it is useless. It is $120 over two years..yes, but if your phone is worth 300+ then 4.99 a month, then a $50 deductible is a lot easier to manage then busting out 300-400 for a replacement. Other than that yup, it is a rip, especially when you have an older low end phone not worth 150 and they send you some crappy refurb not worth your $50 deductible.
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Well if you're the kind of person that is always upgrading your phone to the latest and greatest then you probably don't have a phone long enough to break it or loose it in the first place. Insurance won't do you any good because after a couple of months, you're going to want a different phone anyway. You're not the kind of person that will be happy with a refurb same model phone. You will want to go ahead and just get the next latest and greatest model.
No matter how you slice it, cell phone insurance is just not a very good place to spend your money.
No matter how you slice it, cell phone insurance is just not a very good place to spend your money.
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? not really, logic would say it doesn't matter if you keep switching phones, just because i just got the phone doesn't mean i won't loose it, have it stollen, smash it in my car door, drop it in a puddle..so on..so on. I get new phones by selling my old ones, if I am not getting 100-200 bucks out of my old phone it makes it more dificult to afford the new one. Actually on the newer models they usually don't have refurbs yet. That is why if you keep up on high end newer phones you are ok, but if loose your av8910 and use asurian your just getting ripped. I have had to use asurian before and had no problems, now i get constant complaints from people all the time about them getting refurb 6100's and 265's and crap like that, but on high end yo...
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Maybe if people actually took care of their phone they wouldnt need insurance. Ive had about 4 phones in lifetime, never had insurance, never needed it. I am extra careful and paranoid about ruining my phone. I also know if i ruin my phone or drop it in water, not to go into the store and start lying up a storm about how my phone just suddenly stopped working or that "insurance was never offered to me". Suck it up and pay for a new phone, even if you have to go the ebay route.
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ok, that is your CHOICE! as is the choice of some people to use the insurance. Insurance is for the unexpected, I am careful with my phones and I am not the type of person that is going to call crying saying insurance was never offered or lye and say it didn't get wet, or my alltime favorite...I a have been with Verizon for 5 years! I buy new phones all the time, just went from an 8100 to a razr to a chocolate in six months because I sucked it up and paid for the new phones. But when I am paying 300+ for new equipment I don't feel like doing it again if I loose one, plus those puppies get thrown on ebay to pay for my new ones.
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So I have a car, and car insurance. I don't drive crazy but there's no way I would go with out it. If someone stole it, or hit me without insurance or something...ouch
Without insurance I'd be screwed. It's not that I like paying for it but I would never go without it. I would guess I've paid over $15,000 to insurance companies and never filed one claim. Oddly I do not feel "entitled" to anything....
Without insurance I'd be screwed. It's not that I like paying for it but I would never go without it. I would guess I've paid over $15,000 to insurance companies and never filed one claim. Oddly I do not feel "entitled" to anything....
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lets say that you have a mid-range phone (retails around 200-250) and you've had your phone for a year and 6 months. You will have at least 4 months before you're upgrade date kicks in. and you don't have the money to get one full retail. 4.99 a month and that 50 dollar deductible start to sound a little better then. You guys are all right. High end users with the money to grab a new phone at full retail probably don't need insurance (unless you carry a pda) but the low end users that get the "free" phone when they sign up don't always have the 150 bucks it costs to get a phone at full retail when they aren't eligible to upgrade yet.
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Well said, that was exaclty my point. I know it is probably a rip, but if I loose my chocolate next month I don't really want to drop 360 dollars on a new one. The 4.99 a month and $50 deduct is much less painful.
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Asurion sucks. I've seen them send Audiovox 8910 for an insurance replacement of a Samsung 670. Now I ask you, do you think the 8910 is comparable to a 670?
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They base replacement phones in FEATURES, the only thing that the A670 has over the 8910 is the video capture, which not that many people use anywyas.
FYI, if Asurion EVEN had to replace the A670 for the 8910 is because Verizon determined them to do so.
People love to talk ....
FYI, if Asurion EVEN had to replace the A670 for the 8910 is because Verizon determined them to do so.
People love to talk ....
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