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Insurance on the N1 not available ??

I called a Tmo rep, she said that there is no insurance available thru Tmo for the N1 since I bought it directly from google.
Does anyone know of any third party insurance
Pissed I dropped so much money and I'm not even covered if its lost/stolen, might have to sell it tommorrow when it arrives.

icegad said:
I called a Tmo rep, she said that there is no insurance available thru Tmo for the N1 since I bought it directly from google.
Does anyone know of any third party insurance
Pissed I dropped so much money and I'm not even covered if its lost/stolen, might have to sell it tommorrow when it arrives.
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I bought some coverage from Squaretrade. It is like $70 for 2 years of coverage. Damage is covered up to $399. $130 short of the Nexus total price, but hey, I'd rather be out $200 (price of the Warranty included) than $530 should I somehow break it.
After 2 years time, I'll be due a new phone anyways

I get mine through my bank account. Might be worthwhile if you need travel insurance/breakdown cover etc.
http://www.lloydstsb.com/current_accounts/added_value_accounts.asp

Both Google and TMO confirmed that there is no insurance offered for the N1.
At this time, insurance is not offered for the Nexus One. We appreciate your feedback.
Regards,
The Google Team
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I wouldn't even consider making a claim against my homeowner's for this. That would be ridiculous. I'm looking into other solutions.

I just visited the t-mobile store to activate my N1 and I asked them about the insurance. The rep said that they will *probably* be able to insure the phone soon. The rep also suggested to add the insurance to my plan so once the insurance policy starts I'll be covered.
Not sure how knowledgeable the rep was or if it was complete bull****, but I got the insurance anyways, just $5 a month.

whats the warrenty on the n1?

aad4321 said:
they will never be able to ensure the phone. the insurance for tmobile is 3rd party and they said no because it is not a tmobile phone, but an unlocked device not even supported by tmobile
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I agree with this line of thought. It's a similar situation to the iPhone which has never been insurable through AT&T and Asurion (that's the insurance carrier's name).
whats the warrenty on the n1?
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I believe it is the same as all other wireless handsets; one year from date of purchase.

a phone doesn't look like a really good thing to insure on paper... to an insurance company.
$5 / month = 106 months = 8.833333 YEARS for them to recoup their costs if you spaz out and kill your phone. (Assuming the full $530 price)
i wouldn't insure that thing either. buy it, use it, don't break it.

Get handset insurance while you can

I just talked to my TMO Customer Care rep and they confirmed that as soon as I started to use my Nexus One phone, my existing insurance started covering it (instead or my G1).
You have the opportunity to get the handset insurance within 14 days of purchasing the phone. This applies whether you purchased it from TMO or Google. You must bring in your proof of purchase, from Google to a corporate TMO store and have them set it up if you currently do not have insurance.
The only reason that I bring this up is due to the questons about bootloader unlocking and warranty. The deductible with Assurion (TMO's insurance provider) is $130 (she believed) But this is better paying the full $530 for a replacement.

how much per month is insurance?

QMAN101 said:
I just talked to my TMO Customer Care rep and they confirmed that as soon as I started to use my Nexus One phone, my existing insurance started covering it (instead or my G1).
You have the opportunity to get the handset insurance within 14 days of purchasing the phone. This applies whether you purchased it from TMO or Google. You must bring in your proof of purchase, from Google to a corporate TMO store and have them set it up if you currently do not have insurance.
The only reason that I bring this up is due to the questons about bootloader unlocking and warranty. The deductible with Assurion (TMO's insurance provider) is $130 (she believed) But this is better paying the full $530 for a replacement.
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But there's a catch they don't replace it with another nexus. They compensate by giving u a phone of equal value. Its an internal memo that was passes around(I work for T-mobile) ill find it and post it when I get to a PC.

the PHP Bundle (premium handset protection) is $5.99/mo.
I just wanted to state that I too was quote that Asurion has a $130 deductible for a replacement N1.
I was however told that as of Saturday night that the only way to get insurance for for N1 is to have insurance on your previous handset. The N1 is then grandfathered in.
Again, this is just want I was told. I'm sure we'll get some more concrete details as time goes on.

I can confirm that Tmo will not replace the Nexus One. I canceled my insurance.

I didnt have insurance on my g1 so im screwed then?

Tmo will not insure the n1 since it was not purchased directly from tmo
they even had me drop the insurance on my g1 because they said the n1 was going to be my primary phone

icegad said:
Tmo will not insure the n1 since it was not purchased directly from tmo
they even had me drop the insurance on my g1 because they said the n1 was going to be my primary phone
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T mobile needs to get their effin' story straight.
There are 4 different stories so far on this post.

the day before my nexus came i called tmobile to cancel the insurance for my mytouch 3g. She said there were no insurance options available from tmobile for the nexus one...kinda sucks, i wonder why google or htc couldnt make money offering something...

:/ i too have heard multiple stories. asurion does have insurance for google's nexus one though. 5 bucks a month, 130 deductible.
http://phoneclaim.com/t-mobile-program

speaking with asurion right now. already spoke with t-mobile, and they said because not purchased through them, won't insure. so far, asurion is saying it is covered, sign up for coverage through t-mobile. seems like some finger pointing and blame gaming.

lol. asurion says 'yes, it's covered, contact tmo customer service'. tmo customer service says 'no php'. so, sounds like you're screwed.

I was able to add it but tmobile said it will get you a comparable model in case something goes wrong with your nexus one. weird!

ah, it gets rewritten again. here's the scoop, and this is from t-mobile. you can get the same rep with whom i spoke, rep id = 3828599.
you CAN get insurance, but no extended warranty. it will be covered with the normal 1 year thing (which is different than my current sprint settings, where it's covered as long as i keep paying). TMO was using information from last week that said they weren't covering it. they are now. think i'll get the phone tonight

wait so if we do have insurance and we switch to the nexus and it breaks will we get a new nexus or a comparable phone?

reports are that if you break it right now, it'd be 'comparable', because asurion doesn't have them. but, they're getting them. so, it should be a replacement, if you can wait to break it, lol

finally picked up my N1 from fedex, went directly to Tmo without passing GO, then got insurance for 6/mo, but i never asked if they would replace with another N1, now i gotta call for myself...thanks for the update though.

Asurian does cover the Nexus One, I talk to serveral rep from assurian and they confirm it. It's even on their page. Who cares what tmobile say, they're not replacing your phone.
Check here http://www.phoneclaim.com/t-mobile-program
Select your manufacture (Google) then you will see the Nexus One and how much the deductable is.

I just called Tmo for the second time about insurance on the N1. At first, she told me that they don't cover it, but I told her about my first call to Tmo (last Sat) and how the rep told me it IS covered if you already have coverage (PHP) on a G1 or similar. She put me on hold for a minute or two, and said there was nothing in her documentation that said Tmo will cover it. I asked her if she could conference Asurion in on our call, and she said "sure, hang on". When she came back, she didn't have Asurion on the line, but said when she went to the "contact Asurion" link/page whatever, it had more information about the N1, and specifically stated that they WILL cover it if you ALREADY have PHP.
I then asked her to check that my account reflects the fact that I have a Nexus One, which it did. I didn't want to call up one day needing to use the PHP and have them say "oh, we never knew you had a Nexus One".
So that's twice I've called up and been assured that my N1 is covered.
She added that they're all very new to the N1 and the learning curve is steep, and that they have new memos coming out every day concerning the N1.

I just called and all the Tmobs representative needed was give them my IMEI.
I just registered my nexus phone on my existing insurance that I have had since the G1 > CLIQ > nexus one. It was fast, easy and painless.

It's official - you can get your Nexus insured.

I spoke with Asurion (T-Mobile's insurance affiliate) and the Nexus One is supported though them, it's $4.79/mo and proof can be found on their website:
http://www.phoneclaim.com/t-mobile-program
They weren't able to answer my question if I would get another N1, and I didn't have a lot of time but I'll inquire tomorrow about it further.
Everybody should still be within 14 days of the purchase and you can still add it to your T-Mobile plan (though keep in mind as CSRs we were originally told it couldn't be used on a nexus so you might have to convince the rep to add it, show them that link any rep can load that URL.)

I would consider skipping asurion and go with SQUARE TRADE warranty service.. flat fee and includes accidental dropping and water damage, reaosnable price.
I covered my HTC HERO this way... They claim to cover all smartphones... but coverage is limited to $400, so then again, not sure the total costs comparison over time. (I will say this: I had used Asurion for 2 differnt t-mobile phones, and surprisingly they were always easy to get replacement phones from; not at all what you normally expect from an insurance co when it's time for a payout.)
but just fyi:
http://www.squaretrade.com/pages/cellphone-landing3
noderat_tmobile said:
I spoke with Asurion (T-Mobile's insurance affiliate) and the Nexus One is supported though them, it's $4.79/mo and proof can be found on their website:
http://www.phoneclaim.com/t-mobile-program
They weren't able to answer my question if I would get another N1, and I didn't have a lot of time but I'll inquire tomorrow about it further.
Everybody should still be within 14 days of the purchase and you can still add it to your T-Mobile plan (though keep in mind as CSRs we were originally told it couldn't be used on a nexus so you might have to convince the rep to add it, show them that link any rep can load that URL.)
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I spoke to a Tmo rep this past weekend who assured me the Nexus One can be added to an existing policy, but cannot be added (by Tmo) if you don't already have one. He said he spoke to Asurion personally, and spoke to his managers.

I just got off the phone with T-mobile and they were able to add insurance for my Nexus One for 5.99 and will replace it with another Nexus One for 130.

I got insurance
If you have a decent bank account in the UK, you get free mobile phone insurance. I insured mine with Lloyds bank today.

Change your insurance to the $4.79 option, the $5.99 includes T-Mobile's warranty program which is not covered (but it will cover any other T-Mobile phone you have used before!)

Just called T-Mobile and the CSR transferred my G1 insurance to the Nexus One (Cheaper by ~$1 a month).

What exactly does this warranty cover....
Glass break?
Theft?
Water damage?

quicksite said:
I would consider skipping asurion and go with SQUARE TRADE warranty service.. flat fee and includes accidental dropping and water damage, reaosnable price.
I covered my HTC HERO this way... They claim to cover all smartphones... but coverage is limited to $400, so then again, not sure the total costs comparison over time. (I will say this: I had used Asurion for 2 differnt t-mobile phones, and surprisingly they were always easy to get replacement phones from; not at all what you normally expect from an insurance co when it's time for a payout.)
but just fyi:
http://www.squaretrade.com/pages/cellphone-landing3
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+1 on squaretrade, their warranty is much better, and they process claims really fast.

Squaretrade doesn't cover loss or theft. Asurion covers pretty much anything but acts of war as long as the nexus is the last device used on your sim card.

I just confirmed that my nexus one is covered by asuripn which is pretty sweet.

I called and got mine switched from the $5.99 plan to the $4.79 plan.
It was funny the rep on the phone mentioned the 14 day period to get the insurance then asked me when I got the phone to see if I could get the insurance.
Me: "It's only been out a week."
Her: *awkward silence*

I pay jus $30 a year with state farm in the u.s. to have mine insured

xManMythLegend said:
What exactly does this warranty cover....
Glass break?
Theft?
Water damage?
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Yes, yes and yes. Asuiron is awesome. Squaretrade is a complete ripoff. Good luck if you lose your device. And between what you pay for the deductible ($50), the difference in price between what you get ($399 max) and the cost of the device ($530) and the cost of the warranty, you are better off not getting any coverage.
Remember, Asurion offers INSURANCE and Squretrade offers a WARRANTY. You have a 1-year warranty with HTC anyway. Asurion will cover it no matter what. They had a G1 in my hands in less than 48 hours. I put it a claim at 6PM on a Monday, they confirmed it on Tuesday and I had the phone Wednesday morning. There is a $130 deductible and $4.79/month but I must say that the first few days without insurance was nerve-racking. For less than $5/month I pretty much don't care what happens to my phone now. It is worth every penny.

Just an update to all of this.
Firstly, thanks very much to AndroidAppCritic for all the help!!!!
Secondly, i finally got my Nexus One. Went to my local T-Mo store this afternoon, told them what plan i wanted (Even More Plus 500) and after the entire store ooooohhh and aaaahhhhh over the Nexus, the sales girl asked if I wanted the $4.79 or $5.99mo coverage for the phone. I was shocked and told her what a fiasco it had been for users earlier in the week.
anyway, thanks again to everyone and off I go into "happy land"

I called Tmobile today.... had my handset insured in like 5 minutes total. There was really no confusion from the phone rep.
Thanks for everyones advise and input above!

usmc2k said:
I pay jus $30 a year with state farm in the u.s. to have mine insured
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Does this cover theft & drop/break?

Just spoke with asurion and they told me it covers lost stolen or phyically damaged with a 130 deductible

Just called T-mobile to add the $4.79 coverage. Easy breezy.

Phone Insurance

So tell me, does anyone have insurance on their "rooted" Nexus one? I'm thinking of getting one for mine, but not sure if T-mobile provides it, or is it a good idea to get it from them, if ever. Coz they don't carry the device.
Any suggestions? Thanks in advance!

I have insurance on my Non-Rooted Nexus. You can get it from t-mobile. But i dont believe you can have insurance one you root the nexus one. I believe it voids the warranty. I may be wrong. Heres some info:
Is PHP (Premium Handset Protection) available for this Nexus One?
Yes, PHP is available for the Nexus One.
How much does PHP Insurance cost?
PHP Insurance is $4.79 per month with a $130 deductible.
How long do I have to add PHP to my account?
To qualify for PHP insurance you must add the insurance to your T-Mobile account within the first 14 days of purchase.
Great News! Asurion’s Premium Handset Protection offered through T-Mobile is available on the Nexus One. For $4.79 per month, customers are protected from loss, theft and damage – even screen damage or water damage. There is a $130 deductible per approved claim, much lower than the full retail of $529. Asurion will replace your Nexus One with . . . a Nexus One. As with most buzz-generating, hot new phones, inventory availability can be an occasional problem. Its not that Asurion doesn’t want to replace your Nexus One with a Nexus One, we do! Should there be a brief inventory problem, Asurion will offer a few different options to affected customers.

I have insurance on my ROOTED phone. You can have it. While it is true that rooting voids your warranty this has nothing to do with insurance. So look at it this way. I have a rooted phone and I loose it. I file a claim as loss is covered under the insurance. How on earth are they going to know it was rooted? Make sense.
The other above info is what I was told.
One thing to note. I had insurance on my G1 that was something like $6 / mo when I transfered that to my N1 it went down to the $5 /mo. This is because T-mobile would extend the warranty on the G1 since it was one of their phones. They don't do that on the N1 since it isn't theirs. That is why it is a little cheaper.
As for how it is replaced since T-mobile doesn't have the Nexus. I was told that the insurance company was getting some for replacements. Until then if you had a claim and they didn't have any you would go directly to Google and order a new one. You would be responsible for the full upfront cost of an unsubsidized phone. They then would cut you a check for the phone minus the $130 deductible. Make Sense.
Oh also a point on the 14 days to activate insurance. This is also true however. Lets say you let the 14 days laps. As long as you haven't rooted your phone (that would have voided the warranty) if it is ever replaced by the manufacturer you then have another 14 days to activate the insurance from the point in time you get the replacement. That is how I got insurance on my G1. I forgot to call back in the 14 days and then couldn't get coverage. Then my home button died, T-mobile replaced it under warranty, I then had them activate the insurance. Also if are under insurance and if you have a replacement under warranty I would be sure to call T-mobile. Since that was likely taken care of directly through Google or HTC they may not know. Of course if you had an insurance claim for say water damage that they tried to deny because the SN didn't match what you originally bought you could say "Oh, did I mention that the water damage happened when it fell off the boat in 300' or water?" I must have written that SN down wrong and what you have on record must be right.
Hope that helps....

as a point of interest, state farm charges me $30 a year for insurance on my nexus one, with ZERO deductible..
that's $2.50 a month folks...
and they don't care if it's rooted, or you used it to hold up your car when you changed your oil.

Thank you for the information I'm goin with state farm.Hahaha.

Hmmm... Called Tmobile, they said my Nexus is currently insured... I made them double and triple check it, but they were positive bout this, I guess my insurance from my G1 is automatically transferred to the N1.
I still thank you for the response guys!

i'd cancel it and get a real policy that costs half and doesn't have a deductible... but that's just me..

Red MacGregor said:
as a point of interest, state farm charges me $30 a year for insurance on my nexus one, with ZERO deductible..
that's $2.50 a month folks...
and they don't care if it's rooted, or you used it to hold up your car when you changed your oil.
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That's good to know and seems like a better way to go!

Oh you were for real? lol I thought you were just kidding, I dont have StateFarm as insurance though. They might not cover it.
Red MacGregor said:
i'd cancel it and get a real policy that costs half and doesn't have a deductible... but that's just me..
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rjhay22 said:
Oh you were for real? lol I thought you were just kidding, I dont have StateFarm as insurance though. They might not cover it.
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call whomever you're using, Farmers, whomever, they likely have a similar policy..
T-Mobile is charging a ridiculous premium for that policy

$4.79 a month is not something I miss.

uansari1 said:
$4.79 a month is not something I miss.
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sure, the difference is only $30 a year... over two years an extra $60 on the price of the phone, unless you include the deductible, and it's an extra $190.. 1/3 of the cost of the original phone..

The original poster should call T-mobile again. As I mentioned in my post that the original insurance that I had on my G1 was more expensive. They may have changed it from the insurance that is something like $7/mo to the one that is about $5 ($4.75 or whatever). I got my phone early on so it is possible they are getting better at automating these things. Everyone was still trying to figure out this new Nexus thing when I got my phone.
I have to call my insurance company anyhow so I am going to ask about phone coverage. I have USAA though not State Farm. Even if they don't offer it I wouldn't switch to State Farm. We are saving $1800 a year and have more coverage and a lower deductible on our house compared to State Farm. My parents are now switching over to USAA. He said they will save $900 a year on their 4 cars/truck.

Thoroughly disappointed with Asurion

Today I received a letter from Asurion stating that my phone was not "Tmobile authorized device" making it ineligible for the extended warranty, so I called Asurion to find out what it does cover. My understanding from the first rep was that they replace with comperable hardware, I've heard others state that you receive a MyTouch, and was told to speak with Claims in order to find out what hardware they speak of.
When talking with the lady from claims I was told that they absolutely replace the phone with a Nexus One or, when there are none, I am to buy one and receive a payment of the difference between the cost and my deductible. I told her that this was totally contradictory of what I was just told, and to make a note on my account of what she stated.
I am wondering if anyone has any experience with such an issue and if that person could shed some light.

wesbalmer said:
Today I received a letter from Asurion stating that my phone was not "Tmobile authorized device" making it ineligible for the extended warranty, so I called Asurion to find out what it does cover. My understanding from the first rep was that they replace with comperable hardware, I've heard others state that you receive a MyTouch, and was told to speak with Claims in order to find out what hardware they speak of.
When talking with the lady from claims I was told that they absolutely replace the phone with a Nexus One or, when there are none, I am to buy one and receive a payment of the difference between the cost and my deductible. I told her that this was totally contradictory of what I was just told, and to make a note on my account of what she stated.
I am wondering if anyone has any experience with such an issue and if that person could shed some light.
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asurion will not give you the extended warrenty for this device which is why you pay 4.79 instead of 5.99 . That just basically means if you need a replacement, no matter what happened, you'll have to pay the 130 deductible.
In my past experience with them, I always have gotten the same phone if it was in stock, and if it wasn't, then i got upgraded to whatever was top of the line then for only the price of the deductible so I wouldnt worry about them.
Asurion actually is the one company in the cell phone business that doesnt try to bend you over and (you know where this is going ) in my opinion

I complained enough to them untill they told me too just pay 130 and theyd send a brand new nexus. they did. but before they wanted me to buy one for 570 and then send them receipts so they could pay back after...

sasha101 said:
I complained enough to them untill they told me too just pay 130 and theyd send a brand new nexus. they did. but before they wanted me to buy one for 570 and then send them receipts so they could pay back after...
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Thats good to hear. What happened to your device?

I would also like to know what happened. What was the process like getting your new Nexus? I have the Asurion insurance too and I want to know what I'm in for. I don't mind paying $130 for a brand new phone, as long as it's brand new! Especially if I don't have to send in the old device...

i'm still not sure why people will pay more for lesser service on their phone insurance.. call any major insurance company and ask for a personal articles policy, tell 'em it's for your phone, and you want $600 coverage. cost you between $30 and $40 a year with no deductible, and they just write you a check in the event that ANYTHING happens to your phone.

Red MacGregor said:
i'm still not sure why people will pay more for lesser service on their phone insurance.. call any major insurance company and ask for a personal articles policy, tell 'em it's for your phone, and you want $600 coverage. cost you between $30 and $40 a year with no deductible, and they just write you a check in the event that ANYTHING happens to your phone.
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Amen! Screw Asurion. Just call up whoever you have your auto insurance through and if they don't offer insurance, call State Farm. No deductible, no questions, $30 a year.

They have nexus one in stock now. I just got mine. Had to wait 2 weeks for them to get nexus one in stock.

Red MacGregor said:
i'm still not sure why people will pay more for lesser service on their phone insurance.. call any major insurance company and ask for a personal articles policy, tell 'em it's for your phone, and you want $600 coverage. cost you between $30 and $40 a year with no deductible, and they just write you a check in the event that ANYTHING happens to your phone.
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It's really that easy huh? I'm going to have to find a local State Farm agent then.

i was told from tmobile that i could not get my n1 insured
because i did not buy it at a tmobile store. Every time i talk to T mobile i get a different story. Hope you figure it out good luck.
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