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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.

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.

Insurance is available for the nexus

i had a g1 with t-mobile and ive had my nexus one since they came out
just today i got a letter from them letting me know that they now cover my nexus!
if anything goes wrong its only a 130 deductible!
btw the company is asurion
i pay 4.79 a month for this coverage

We already know.

I got a letter from Asurion today telling me that they do not cover the Nexus One. WTF?!

yep. this is pretty darn old. search before posting, pretty please

cheaper options are also available... again search is your friend
http://forum.xda-developers.com/showthread.php?t=639202

danguyf said:
I got a letter from Asurion today telling me that they do not cover the Nexus One. WTF?!
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This is actually worthy of discussing... Did you buy the insurance through T-mobile directly? I haven't received any such notification from Asurion.

Thanks for posting. There have been insurance posts but I haven't seen one where you could get insurance at this point. I bought the phone the day it came out. T-Mobile told me no insurance. I read on xda that yes insurance. I called T-Mobile back different person told me no and said call asurion. Asurion said they have insurance but since I didn't buy the phone from T-Mobile my insurance would give me a 'comparable phone' but not a nexus. So I bought a backup nexus. This is huge news for me personally because I may be able to sell my backup. Thanks OP, and thanks for not using the search option since this is new news and the search function is frequently ineffective.

when i went to t-mobile and got my sim for my even more plus no contract plan, they told me the phone is insurable, 5.99 a month 130 deductible

I know this was posted in another thread but I wanted to reiterate it here. Call your normal insurance company and insure it through them. I have State Farm and I pay $2.40 per month with ZERO deductible. It's also a stand-alone policy so that if I need to make a claim, it doesn't affect my other policies.

It has been backorder since the beginning. I doubt they ever stocked it. I have been waiting for my replacement for 3 weeks now.

yeah, state farm just cuts me a check for $529, and i buy a new one thru the google store

Asurion Insurance is no longer handeling nexus one

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Just call state farm and put it on your personal items policy. It's cheaper than Assurion ($3 per month) and they will pay 100% replacement with no deductible.

OutlawPro said:
Just call state farm and put it on your personal items policy. It's cheaper than Assurion ($3 per month) and they will pay 100% replacement with no deductible.
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+1
Been doing that since my 8125

My nexus one was stolen a couple days ago i called t–mobile they gave me the number for the insurance company called for Asurion I told them what happened, Then she said oh it looks like we don't carry nexus one no more,I sad what do you mean you do not carry this phone anymore are you ever gonna carry it, she said no it was discontinued and then said we can give you a comparable phone which was a motorola click or my touch, I can't even tell you what i said next i haven't decided what to do yet because i am still in disbelief.
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Insurance on a phone makes no sense. Also, filing an insurance claim for $500 is only going to hurt you. If you are that worried about it, just save up $500, stick it under your mattress and insure it yourself.

I just hung up with T-mobile who just hung up with Assurion and they stated that the insurance is NOT being dropped...he was actually surprised to hear that someone stated it was going to be dropped.
If they're out of stock then they try and pull what the OP stated which is send a comparable phone...even though none of those are even close to the sexy nexy....

+1 on the personal articles policy with State Farm, Farmers, Progressive, whomever you do your home/rent/car insurance through. No deductible, this is the kind of thing the policies are made for. and it's half the cost of Asurion or t-mobile premiums, and THEY have a deductible.

Before insuring your phone with your home/renter/auto insurance company make sure to get in writing that filing a claim for your phone won't count against you filing a claim. I asked my insurance company, SafeCo. They said that if I insured my phone and filed a claim then my month fee would increase and it would count against my record.

my nexus one got wet so i filed a claim and the told me the same thing that they dont make it anymore. I was like what the F*CK they said we can give a phone just like it the mytouch or cliq how in the hell is the mytouch or cliq anything like my nexus just because it has android???? lucky for me i disassembled my nexus clean it and left it open for 2 day and now it works

Will Asurion give us cash if we don't want the crappy phones they have in stock?

I still don't know what to do but i might just take whatever phone is worth the most and try to sell it and try to buy a nexus on ebay, But the only problem this is they give you a reconditioned phone. who knows what l will be able to sell it for and i'll still have to pay my 130 dollars deductible. It just would've been nice if they will be sent out an email to let me know about this.
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dwerk said:
I still don't know what to do but i might just take whatever phone is worth the most and try to sell it and try to buy a nexus on ebay, But the only problem this is they give you a reconditioned phone. who knows what l will be able to sell it for and i'll still have to pay my 130 dollars deductible. It just would've been nice if they will be sent out an email to let me know about this.
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Again...have you called them and asked them if they will give you $399 cash to buy a new Nexus One on your own? $529-130 = $399

maybe if they sent me two mytouch slides or an EVO but thats it

thewayne01 said:
Insurance on a phone makes no sense. Also, filing an insurance claim for $500 is only going to hurt you. If you are that worried about it, just save up $500, stick it under your mattress and insure it yourself.
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If you don't know what you're talking about, keep your opinions to yourself. It does nothing to you to make a $500 claim on a personal items policy. If your insurance company count it against you, I suggest you get a new company. It's not like your auto or home policy, totally different. I also want to add, that at $3 a month, it would take you nearly 14 years to save $500. Some people like not having to put out another $500 if their phone breaks or is stolen. You're an idiot.

OutlawPro said:
If you don't know what you're talking about, keep your opinions to yourself. It does nothing to you to make a $500 claim on a personal items policy. If your insurance company count it against you, I suggest you get a new company. It's not like your auto or home policy, totally different. I also want to add, that at $3 a month, it would take you nearly 14 years to save $500. Some people like not having to put out another $500 if their phone breaks or is stolen. You're an idiot.
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very much this.

if this is true then I'm canceling my insurance with tmo.
no point in paying them 6 bucks a month for nothing!

i called them yesterday and confirmed the ops findings.

Guys you should us square trade i got a 2 year warranty for $101.79 with tax and all. if they cant fix it they will give you what u paid for it $529 they are really good and i have used them for other phones.
here are some coupon code
Unique Coupon Code: 07P0CVRK4SG 30% off

seeking said:
maybe if they sent me two mytouch slides or an EVO but thats it
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T-Mobile will start to carry the Samsung Galaxy later this month. Perhaps Asurion will agree that is a comparable phone. If something happened to you nexus then maybe you could get the Galaxy.

uansari1 said:
Again...have you called them and asked them if they will give you $399 cash to buy a new Nexus One on your own? $529-130 = $399
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So I just called Asurion. At first, the woman told me that there's no way to know what would happen if I had to file a claim, and the only way to know is to actually file one. WTF?! I explained that if I would be precluded from getting a new N1 or the cash amount to purchase a new one (less the deductible, of course), that I would want to cancel my policy and that's why I need to know definitively whether or not they would give me a new N1 or cash, rather than an inferior phone. Anyway, I was able to talk to a manager. He said that at the moment, as long as Google is selling the phone from the website, if we file a claim and don't want a "comparable phone", we can order the phone ourselves and submit the receipt to be reimbursed in the amount over the deductible. Also, he pointed out that what constitutes a "comparable phone" is always changing. Today it's an HD2, Cliq, or MyTouch Slide. Tomorrow it could be something else with a faster processor, more RAM, etc. (Samsung Galaxy).

[Q] Device Insurance

There will be 3 Epics in my household come 8/31. I am wondering if we could get away with purchasing insurance for just one of the Epics, and have it cover all 3.
Do they record the serial number of the phone and tie it to each insurance policy? What about any other info that could tie a specific phone to the policy rather than just the phone model?
If not, I don't see how we couldn't have 1 policy cover all 3 phones. Thanks

quasi13 said:
There will be 3 Epics in my household come 8/31. I am wondering if we could get away with purchasing insurance for just one of the Epics, and have it cover all 3.
Do they record the serial number of the phone and tie it to each insurance policy? What about any other info that could tie a specific phone to the policy rather than just the phone model?
If not, I don't see how we couldn't have 1 policy cover all 3 phones. Thanks
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Each phone is tied to a line. If Sprint was a GSM network then maybe you could go sim card swaps and maybe get away with it. However since each phone on CDMA networks is stuck to a phone number and thus a line, I am pretty sure they can tell which phone is being replaced.
e.g. if i have 3 phones with numbers 000-000-0000, 111-111-1111 and 222-222-2222, and phone 111-111-1111 breaks but only 000-000-0000 is insured, and I bring in 111-111-1111 to replace it as 000-000-0000 which is insured, any new phone they send me would be activated as 000-000-0000 in other words they'd see that they are activating a phone for a number already in use. I hope this idea makes some sense.

This will not work at all. If you DO decide to swap the phones around, you can't put in a claim or repair until the device has been active on that line for 30 days.

ben7337 said:
Each phone is tied to a line. If Sprint was a GSM network then maybe you could go sim card swaps and maybe get away with it. However since each phone on CDMA networks is stuck to a phone number and thus a line, I am pretty sure they can tell which phone is being replaced.
e.g. if i have 3 phones with numbers 000-000-0000, 111-111-1111 and 222-222-2222, and phone 111-111-1111 breaks but only 000-000-0000 is insured, and I bring in 111-111-1111 to replace it as 000-000-0000 which is insured, any new phone they send me would be activated as 000-000-0000 in other words they'd see that they are activating a phone for a number already in use. I hope this idea makes some sense.
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Yes - that makes sense. Thanks for the quick reply and good info!
So at $7 per month and a $100 deductible, it would take 57 months to total the $500 off-contract price of the Epic.
If we got the insurance for all 3 phones, it'd be 1/3 the amount of time; 19 months to total $500 between us. The insurance still seems appealing (at least until used Epics start showing up on Ebay for ~$200).
If we wait until day 29 to add the Equipment Replacement Program, is accidental damage, theft, etc. covered for the first 4 weeks after the phone is purchased? (Does that 30-day satisfaction policy cover this?)
Thanks!

I was told by a sprint rep that the deductible for the Epic would be $150 - and you only get one replacement. Then they drop your insurance.

Actually... there is actually a loophole to have all your phones covered with only 1 insurance on your lines but I won't write it on here (sorry guys) and nothing is covered with the first 30 day policy except a return/exchange. Damage, theft, etc must be done thru insurance not thru the 30 day policy.

DirtyShroomz said:
Actually... there is actually a loophole to have all your phones covered with only 1 insurance on your lines but I won't write it on here (sorry guys) and nothing is covered with the first 30 day policy except a return/exchange. Damage, theft, etc must be done thru insurance not thru the 30 day policy.
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Sorry to bother u bro, when u get a chance can u pm me about this?
Sent from my SPH-M910 using XDA App

quasi13 said:
There will be 3 Epics in my household come 8/31. I am wondering if we could get away with purchasing insurance for just one of the Epics, and have it cover all 3.
Do they record the serial number of the phone and tie it to each insurance policy? What about any other info that could tie a specific phone to the policy rather than just the phone model?
If not, I don't see how we couldn't have 1 policy cover all 3 phones. Thanks
Click to expand...
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Get the best buy insurance instead of the sprint insurance and you can do this. The best buy salesman actually suggested it to me when my wife and I bought the same phone. We are on a family plan and he just added one insurance policy. He said if either breaks just bring it in and we get a new one. Pretty sweet deal in my opinion.

Kcarpenter said:
I was told by a sprint rep that the deductible for the Epic would be $150 - and you only get one replacement. Then they drop your insurance.
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You were told the wrong info. That rep was a moron.

richse said:
Get the best buy insurance instead of the sprint insurance and you can do this. The best buy salesman actually suggested it to me when my wife and I bought the same phone. We are on a family plan and he just added one insurance policy. He said if either breaks just bring it in and we get a new one. Pretty sweet deal in my opinion.
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I assume I'd have to buy the phone from them, too? I have a hard time giving BB my business, so, if that's the case, I'll have to pass.

Lots of odd information in here. Sprint's insurance is tied to a particular phone number, it has nothing to do with the phone, they cover whatever phone is on that number. There is a way to scam their system, but I won't be posting it. Best Buy lied to you. They lie to sell PSP. Their insurance is garbage, it used to be worth messing with back in the days of the Treo 600, but they changed it. I ended up causing such a scene over the change I got a Treo 650 for free. Sprints TEP is good because it covers manufacturer's defects too. I know you have a 1 year warranty, but that always take WEEKS to get settled. If your phone messes up with Sprint and is isn't physical, lost, or water the almost always replace it in store. If the phone can still make and receive calls they usually order a new one for you. I have gotten upgraded MANY times due to a phone being faulty. $7 is a lot of money over the course of a 1 or 2 year contract, especially considering there is still a $100 deductible if it is physical,lost or water. Given my history with phones and the fact that it covers manufacturer's defects and random issues for free, I always keep the insurance. If I was using a free or cheap phone I would pass though.

Just one additional thought OP, what you're describing is insurance fraud, sorry to say. it may not be huge insurance fraud but its fraud nonetheless.
Sent from my HERO200 using XDA App

ls3mach said:
Lots of odd information in here. Sprint's insurance is tied to a particular phone number, it has nothing to do with the phone, they cover whatever phone is on that number. There is a way to scam their system, but I won't be posting it. Best Buy lied to you. They lie to sell PSP. Their insurance is garbage, it used to be worth messing with back in the days of the Treo 600, but they changed it. I ended up causing such a scene over the change I got a Treo 650 for free. Sprints TEP is good because it covers manufacturer's defects too. I know you have a 1 year warranty, but that always take WEEKS to get settled. If your phone messes up with Sprint and is isn't physical, lost, or water the almost always replace it in store. If the phone can still make and receive calls they usually order a new one for you. I have gotten upgraded MANY times due to a phone being faulty. $7 is a lot of money over the course of a 1 or 2 year contract, especially considering there is still a $100 deductible if it is physical,lost or water. Given my history with phones and the fact that it covers manufacturer's defects and random issues for free, I always keep the insurance. If I was using a free or cheap phone I would pass though.
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The best buy insurance gets me a new phone even if I drop it off a building or in a pool. Sounds good to me! Tell me why its bad?
Sent from my HERO200 using XDA App

richse said:
The best buy insurance gets me a new phone even if I drop it off a building or in a pool. Sounds good to me! Tell me why its bad?
Sent from my HERO200 using XDA App
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Have you ever used the Best Buy insurance? It didn't work anything like what I was told or how you described when it actually came time to collect. My Sprint insurance netted me upgrades MULTIPLE times over as we have 15 or so lines. PPC6700>Mogul, Mogul>TP1, TP1>TP2, MotoQ>Intrepid. I have also gotten my phone replaced for something small every time I go to sell them so I can sell either a brand new one or a like new refurbished unit. I have actually made money on every upgrade I have done since my Treo650. I will never use BestBuy or their PSP again. I have bought them on about 10 items, in my life, only 1 time has it worked out for me. Even then it was not what I was promised and they basically just sent my item back to the manufacturer and foot the repair bill. That was after I had to speak with about 10 people finally ending up with a store GM. You can do what you want, but for my money I will stick with what has been working in my benefit since 2004. I will however buy my phones through Bestbuy or Radioshack to avoid the MIR.

I cannot even believe this discussion is real. The PSP for the Epic is $170, I believe that is before taxes are added. That works out to be the same price, save the deductible, and Sprint does in-store swap outs and repairs. They also overnight your phone for free if you do have to file an actual claim. I am on a Premier account so I wouldn't even get the full value of my $170 PSP, even if it wasn't garbage.

May I ask where you guys got the information that the deductible for the Epic is 150+?

A Square Trade warranty might work for you. I don't know if they would take a serial number down for a cell phone or not, but they do require a receipt so having three phones my set off a flag for them. There quote is $144.00 and a $50 deductible applies to some claims. They do have 30% off coupon regularly which would bring it to $100 and you have 30 days from product purchase to buy their warranty.

foolforfood said:
Just one additional thought OP, what you're describing is insurance fraud, sorry to say. it may not be huge insurance fraud but its fraud nonetheless.
Sent from my HERO200 using XDA App
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I was aware that it might be fraud before I posted, but it really depends fine print. I would expect this type of thing would be so obvious that they'd cover it in the fine print.
I gotta run though - I need to move my car to the driveway, fill up my pillow case with golf balls, and wait for the storms to roll in!

foolforfood said:
Just one additional thought OP, what you're describing is insurance fraud, sorry to say. it may not be huge insurance fraud but its fraud nonetheless.
Sent from my HERO200 using XDA App
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Wow. lol - He probably make you drive in the right lane and god forbid you speed.
quasi13 said:
I was aware that it might be fraud before I posted, but it really depends fine print. I would expect this type of thing would be so obvious that they'd cover it in the fine print.
I gotta run though - I need to move my car to the driveway, fill up my pillow case with golf balls, and wait for the storms to roll in!
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That's funny right there!

35% off Square Trade Coupon here http://slickdeals.net/forums/showthread.php?t=2194239 Not sure if you can buy in advance but liek I said, these coupons come up every couple weeks.