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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.
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
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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.
I'm just curious if it is worth it for the insurance service that sprint offers? Also, if I buy the phone at BB can I get the sprint insurance or just BB's insurance?
DevilDogVIKING said:
I'm just curious if it is worth it for the insurance service that sprint offers? Also, if I buy the phone at BB can I get the sprint insurance or just BB's insurance?
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I personally think insurance is always needed if you can afford it.
My friend has the Evo, and purchased the Radioshack insurance for $100 a year, and also has the Sprint insurance which is $7.99 a month (correct me if I'm wrong).
She dropped her Evo, and shattered the screen, but since the Radioshack insurance covers ALL damage, even screen damage, she was able to exchange it for a new Evo at Radioshack on the spot.
Sprint insurance doesn't cover water/screen damage, and you will have to pay a deductible to get them to replace your phone. You will also get a refurbished phone if it can't be repaired.
NeonMonster said:
I personally think insurance is always needed if you can afford it.
My friend has the Evo, and purchased the Radioshack insurance for $100 a year, and also has the Sprint insurance which is $7.99 a month (correct me if I'm wrong).
She dropped her Evo, and shattered the screen, but since the Radioshack insurance covers ALL damage, even screen damage, she was able to exchange it for a new Evo at Radioshack on the spot.
Sprint insurance doesn't cover water/screen damage, and you will have to pay a deductible to get them to replace your phone. You will also get a refurbished phone if it can't be repaired.
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Sprint insurance covers anything and everything (if it's the full TEP which is $7 a month) and there is a deductible of $100 or $50 dependent on your phone (obviously newer phones are $100)
DirtyShroomz said:
Sprint insurance covers anything and everything (if it's the full TEP which is $7 a month) and there is a deductible of $100 or $50 dependent on your phone (obviously newer phones are $100)
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True,but still is pointless to make someone pay a deductible when they pay insurance. I miss nextel, they didnt charge a deductible at all if you needed a replacement phone.
JUST2SUAVE said:
True,but still is pointless to make someone pay a deductible when they pay insurance. I miss nextel, they didnt charge a deductible at all if you needed a replacement phone.
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Agree completely.
$7 a month + a deductible on top of it?
I'm most likely going to go with Radioshack insurance, and forgo the Sprint monthly insurance.
Already ordered a screen protector and Seidio innocase. I'm trying to keep this phone perfect.
http://forum.xda-developers.com/showthread.php?t=760216
JUST2SUAVE said:
True,but still is pointless to make someone pay a deductible when they pay insurance. I miss nextel, they didnt charge a deductible at all if you needed a replacement phone.
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You mean like every insurance known to earth? Car insurance, health insurance, house.... they all have a deductible.
DirtyShroomz said:
You mean like every insurance known to earth? Car insurance, health insurance, house.... they all have a deductible.
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Exactly, it's either a deductible or higher premiums... insurance companies need to make money to stay in business. Deductibles deter fraud and keep premiums lower.
I really don't see the point of insurance on a phone or other products for that matter, you need it on your house or car and for your health, for other things, its a losing proposition. insurance companies aren't in business to lose money.
robl45 said:
I really don't see the point of insurance on a phone or other products for that matter, you need it on your house or car and for your health, for other things, its a losing proposition. insurance companies aren't in business to lose money.
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Insurance on a phone is good for 1 year, after 1 year remove it as buying a new phone comes out cheaper
DirtyShroomz said:
Insurance on a phone is good for 1 year, after 1 year remove it as buying a new phone comes out cheaper
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isn't the phone warrantied for a year anyway?
robl45 said:
isn't the phone warrantied for a year anyway?
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Yes but warranty doesn't cover any type of physical/water damage, that's where insurance comes in handy
DirtyShroomz said:
Yes but warranty doesn't cover any type of physical/water damage, that's where insurance comes in handy
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yes I suppose it would if the insurance had no deductible, I might do it, but I can barely afford both phones at this point.
robl45 said:
isn't the phone warrantied for a year anyway?
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Not from physical damage and being lost or stolen.
Also I get an upgrade every year so $7 is great for me especially since it gets replaced in store most of the time.
robl45 said:
I really don't see the point of insurance on a phone or other products for that matter, you need it on your house or car and for your health, for other things, its a losing proposition. insurance companies aren't in business to lose money.
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Insurance is meant to be a losing proposition. It's really the whole point. You arn't paying for it in the hopes of getting your money back in some way. You are paying for it so that if by some chance you need it you have it. You may drop your phone within 3 months. You may not. If you don't then insurance is a bit of a waste. If you do then insurance was a great idea.
The problem with insurance is people seem to think they are making an investment that they hope to get back some day. In most cases that is called 'fraud'. You are paying for peace-of-mind in case something bad does happen.
Insurance companies make their money on the bet that most of their customers won't actually ever use the service.
Khemul said:
Insurance is meant to be a losing proposition. It's really the whole point. You arn't paying for it in the hopes of getting your money back in some way. You are paying for it so that if by some chance you need it you have it. You may drop your phone within 3 months. You may not. If you don't then insurance is a bit of a waste. If you do then insurance was a great idea.
The problem with insurance is people seem to think they are making an investment that they hope to get back some day. In most cases that is called 'fraud'. You are paying for peace-of-mind in case something bad does happen.
Insurance companies make their money on the bet that most of their customers won't actually ever use the service.
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Which is why they all have deductibles, because that is a losing bet and they need the deductible money to make up for all the money they throw out on customers that actually use the service..
thanks for all the replies. I like the insurance for a year idea, makes sense. I think I'll get the sprint insurance, its cheaper at the beginning.
DirtyShroomz said:
Which is why they all have deductibles, because that is a losing bet and they need the deductible money to make up for all the money they throw out on customers that actually use the service..
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It isn't really a losing bet. It works off of averages. If 25% of the customers make claims, the insurance company makes it's profit off the other 75%.
There are plenty of reasons for deductibles.
1. Fairness. Those using the service pay more for it. If I end up not needing the service then the company doesn't need to get as much money out of me. My reward for this is that I pay a less then someone who actually made a claim (because I didn't have to pay a deductible).
2. Marketing. $7/mo looks better then $10-$15/mo. It's sorta like a hidden cost that only applies if needed. This way they can advertise the lower price and balance risk (which is really the key word for the insurance industry). Sort of like what the airline companies are doing by charging fees for everything they can think of rather then raising ticket prices.
3. Deterrent. It deters people from simply making a claim because they think they should get back that investment in insurance they have made all year. This prevents insurance rates from hitting $20-$30/mo or even more (they'd have to make the entire cost of the phone + profit in 1 year). Doesn't prevent it entirely, but they are working on large numbers and even a small deterrent means more profit.
DirtyShroomz said:
You mean like every insurance known to earth? Car insurance, health insurance, house.... they all have a deductible.
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I didnt state any those companies cell phone insurance should not be compared to those, they are not the same, you stated those, i had sprintnextel when they merged and lost and repair insurance was one fee, with no deductibles, and you could do up to 3 claims a year, still no deductible charged.
I dunno if insurace is really worth it on this phone, if the last sentence on page two of this pdf is true, then its cheaper just to pay the WIE fee of 120 bucks in the case that you do drop your phone and break the screen or something like that rather then pay the 100 deductible+7 dollars a month. And use the phones 1 year warranty for anything else that might be defective with it later on down the line.
"If the customer does not have TEP and needs their phone repaired or exhanged, the Walk-In-Express fee is $119"
had to zip up the pdf because it exceeded the size limit
Not sure how many people are aware, but as of tomorrow sprint is changing its service and repair program thus stopping in-store warranty work, your phone will only get repaired/replaced at a service center if you have TEP, otherwise you will have to go directly through Samsung which has a 17 business day turn-around time. If you do have TEP physical damage will be covered (cracked screens ext.), batteries will be covered..everything short of water damage and damaged beyond repair (aka the main board is broken) with no deductable
PDF Flyer: http://www.megaupload.com/?d=KUODMNAN
The file you are trying to access is temporarily unavailable.
The file you are trying to access is temporarily unavailable.
Been gettting that message all morning trying to download it.
d94 said:
Not sure how many people are aware, but as of tomorrow sprint is changing its service and repair program thus stopping in-store warranty work, your phone will only get repaired/replaced at a service center if you have TEP, otherwise you will have to go directly through Samsung which has a 17 business day turn-around time. If you do have TEP physical damage will be covered (cracked screens ext.), batteries will be covered..everything short of water damage and damaged beyond repair (aka the main board is broken) with no deductable
PDF Flyer: http://www.megaupload.com/?d=KUODMNAN
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You have it wrong. The main change is $35 charge. the average person will still used this less than once every two years. The insurance still doesn't make much more sense than it made int he past.
Sprint will treat non tep repairs for warrant issues exactly the same except for a $35 charge.
Sprint will replace phones for the same no deductible reasons as it did before with the exception of a $35 charge.
Paying the insurance still means all the odds have been figured and you are paying extra for insurance company profit, insurance company overhead, people who take inordinate risks with their phones, and people who game the system.
Insurance is always like playing against the house, insurance for losses that are not catastrophic rarely make sense
The huge benefit to the change now is that physical damage is now covered in store with no deductable. (Cracked screens, ex) which saves you 100 big ones.
Sent from my SPH-D700 using XDA App
Sent from my SPH-D700 using XDA App
cognitivel0gic said:
The huge benefit to the change now is that physical damage is now covered in store with no deductable. (Cracked screens, ex) which saves you 100 big ones.
Sent from my SPH-D700 using XDA App
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x2, now all the people that brick their phones can chuck their phone on the ground and get it replaced for free.
/fail
This is all well and good but I would like to see a few people go into the repair center with some cracked screens to see if they get fixed. The phrase that scares me is "not repairable damage". The leaves things very loose, I would hate to take the insurance off my phone, accidentally drop is and then have the person at the repair center tell me that this is not repairable. I don't take paying 7 a month extra as a bet against the house, its more like piece of mind that I would never have to pay $450+ dollars out of pocket for my phone if something were to happen.
scriz said:
x2, now all the people that brick their phones can chuck their phone on the ground and get it replaced for free.
/fail
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"a $50/$100 Claim via Asurion (Insurance Provider) for Damaged beyond repair devices such as ones with a damaged circuit board, liquid damage/corrosion, or a smashed device in 3 or more pieces. And anyone with a lost or stolen device will also get the same above $50/$100 Claim via Asurion."
"For those who are not under TEP and have such issues as a damaged circuit board, liquid damage/corrosion, a smashed device in 3+ parts, or a stolen/lost device they will either have to Upgrade or purchase a new device at MSRP."
So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.
fastmikey1969 said:
So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.
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The cost to service is less for a non Tep customer than the deductible. Unless you are prone to lose or water damage your phone the choice seems clear.
Sent from my SPH-D700 using Tapatalk
For me it's been worth it. Over the last year, my wife has had her Moment stolen twice, and my son ran into the ocean with his Blackberry. Without TEP, I would have had to buy 3 phones at full price.
I'll never get rid of TEP. I've saved so much money from replacing phones. I seem to be cursed with bad screens, hinges, screens going white, etc... Alot of it happens out of warrenty.
I love TEP!
Sent from my bathroom, with toilet paper.
fastmikey1969 said:
So do you guys think the TEP is still worth it?
I had it for a year on my TP2 and never used it.
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To me, it's just like a concealed handgun license. Better to have it and not need it, then need it and not have it.
AmnChode said:
Better to have it and not need it, then need it and not have it.
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That is an extraordinarily irrational attitude toward spending. Why not then buy a second phone to: "have it and not need it"?
The fact is the insurance companies have already figured out whether you will "need it." They have the data and statistics. They figured out the odds, built them against you, added profit, overhead, fraud etc
And again this entire post relative to non TEP holders is for phones bought after Oct 25, sprint can't retroactively change existing purchases and charge for what they specifically advertised for as free when n those purchases were made. Sprint specifically said warranty work would be zero cost without TEP to people buying before last week.
aero1 said:
That is an extraordinarily irrational attitude toward spending. Why not then buy a second phone to: "have it and not need it"?
The fact is the insurance companies have already figured out whether you will "need it." They have the data and statistics. They figured out the odds, built them against you, added profit, overhead, fraud etc
And again this entire post relative to non TEP holders is for phones bought after Oct 25, sprint can't retroactively change existing purchases and charge for what they specifically advertised for as free when n those purchases were made. Sprint specifically said warranty work would be zero cost without TEP to people buying before last week.
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No its not irrational. Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?
scriz said:
No its not irrational. Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?
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I'll save the couple hundred dollars I'd spend total with TEP, pay the $35 and wait a few days.
I'm a single dad with two kids...the money's more important than the phone.
scriz said:
Your attitude towards it would be like not having car insurance. I've had full coverage insurance on both of my vehicles since I've owned them, yet have not had any accidents or had to file any insurance claims..should I just not have insurance just because I haven't "needed" it?
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No it isn't. Car liability insurance protects you from loses in the millions, loses that do NOT decrease over the lifetime of your ownership.
Your phone goes from $600 to ~$200 in a year. The $600 phone I bought 18 months ago sells for $50 ebay.
scriz said:
Would you rather walk in the store and walk out knowing your free replacement will be here the next day, or would you rather walk in the store, spend $35 and have it delivered?
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You are confused about Sprints coverage in order to rationalize an irrational purchase. Last time I walked into a sprint store with a non functional phone -- and I have NO TEP or insurance with them, I walked out with a new in box 20 minutes later and paid no fee whatsoever.
You can't argue against the math. That it is not worth it and costs the average user more than benefit is an objective fact. If it weren't, it would cost more.
Please don't call the math irrational, when it is purely rational and the basis for profit of insurance companies, who employ better mathematicians and statisticians than NASA.
Al;so you are incorrect about the $35, that fee only applies to customers who purchased after Oct 25. (and even so it is worth it.)
aero1 said:
Al;so you are incorrect about the $35, that fee only applies to customers who purchased after Oct 25. (and even so it is worth it.)
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Just to put it out there, I am a technician at a Sprint corporate store and we definitely charge the $35 even for those phones purchased before the date.
ramsestut said:
Just to put it out there, I am a technician at a Sprint corporate store and we definitely charge the $35 even for those phones purchased before the date.
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Thank you. I was about to post the same thing.
People, it doesn't matter when you purchased your phone. If you do not have TEP you will be assessed a $35 charge. And now, at least at my store, if a person comes in wanting to have their phone looked at under the manufacturers(sp) warranty, we provide them with the phone number to the specific manufacturer, andvise them of the 1-3 week wait period and inform them once again about the benefit of TEP. The only bright side is that after the initial $35 charge you now have 30 days in the event you do want to add the TEP to prevent any future hassels.
I had read on a recent RSS Feed that Asurion is upping premiums to $11.00 or more per month and deductibles are rising from $100 to $200.
This is awful. But, It seems that on wirefly, when you go to pre-order the EVO 4G LTE, they are offering insurance with NO deductible and only $7.00 or so a month.
Reference: https://www.wirefly.com/AdditionalD...c76&referringdomain=wirefly&agent=&viewmode=1
Is this a Wirefly only offer or is this how its going with everyone? (Sprint, Best Buy?) If this is the case from Wirefly only, then that might be a deciding factor for me...
Thanks!
I heard the new insurance changes are due to take effect June 6. Chances are, the info you read about is outdated and you would still be charged the same upped charges
ImaWinRAR said:
I heard the new insurance changes are due to take effect June 6. Chances are, the info you read about is outdated and you would still be charged the same upped charges
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As far as I can tell, Wirefly doesn't use Asurion. So whatever changes they're making shouldn't affect Wirefly's insurance.
I pre-ordered my LTEvo from Wirefly with no contract and got the Platinum Insurance package. I have a device on a corporate account which has no insurance, so this was the best possible solution. I had no idea such a plan existed. So now all I have to pay is $7.49 a month for my phone, and I have the peace of mind knowing that if I have issues (like I've had with the last several OG refurbs I've gotten), I can get a working "comparable device" as a replacement.
Thanks to sgt. slaughter for posting that Wirefly link in that other thread. I was worried when I couldn't preorder on the Sprint site without a contract that I'd have to wait until launch day to get it .
EDIT: Though I just noticed the Wirefly insurance does NOT cover liquid damage, which Asurion does cover. That seems to be the only disadvantage I could see .
Zagg (Invisible Shield) now offers a warranty. There is a $99 up front fee for two years of coverage which comes out to just over $4 a month (A $59.00 deductible may apply) the Zagg coverage covers water damage as well. I have been paying for the coverage on my Evo 3D and Evo 4G through sprint and have been thinking about trying Zagg out for the new Evo LTE I just ordered. It would save money in the long run.
http://www.zagg.com/store/services/zaggsafe/safe.php
Awesome to see you on board captain throwback
sent from 2yr old Evo on ICS
dixonwa said:
Zagg (Invisible Shield) now offers a warranty. There is a $99 up front fee for two years of coverage which comes out to just over $4 a month (A $59.00 deductible may apply) the Zagg coverage covers water damage as well. I have been paying for the coverage on my Evo 3D and Evo 4G through sprint and have been thinking about trying Zagg out for the new Evo LTE I just ordered. It would save money in the long run.
http://www.zagg.com/store/services/zaggsafe/safe.php
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This is interesting.
This is cheaper than the Wirefly insurance, but has a deductible (which Wirefly doesn't), but it actually covers liquid damage (which Wirefly doesn't).
The other difference is that the Zagg insurance doesn't cover a lost or stolen device, while the Wirefly insurance does.
Historically, I haven't lost my device or gotten it liquid damaged (except the one time I accidentally jumped into a pool with my Motorola V710 in my pocket), so I'm having difficulty deciding which plan to go with.
I'll probably just end up going with the cheaper option, but if I do that, I'll probably end up losing my device. And if I go with the more expensive option, I'll probably drop it into a puddle. Stupid decisions.
the insurance wirefly offers is amazing and been wanting to change my sprint pre order to wirefly but sprint wont cancel mine. bastard
Captain_Throwback said:
This is interesting.
This is cheaper than the Wirefly insurance, but has a deductible (which Wirefly doesn't), but it actually covers liquid damage (which Wirefly doesn't).
The other difference is that the Zagg insurance doesn't cover a lost or stolen device, while the Wirefly insurance does.
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Actually, the Wirefly insurance doesn't mention "lost". It only mentions theft. In fact, it speciffically states that if the phone was not secured (i.e. in your car with the door un-locked) it is not covered! No matter that it was stolen.
And, from experience, these companies make you provide a police report. So if you leave it on a bus or in your car and no window was broken, good luck collecting. No water damage, no lost phone, partial theft coverage, no thanks.
leebo said:
Actually, the Wirefly insurance doesn't mention "lost". It only mentions theft. In fact, it speciffically states that if the phone was not secured (i.e. in your car with the door un-locked) it is not covered! No matter that it was stolen.
And, from experience, these companies make you provide a police report. So if you leave it on a bus or in your car and no window was broken, good luck collecting. No water damage, no lost phone, partial theft coverage, no thanks.
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Nice observation.
I actually already cancelled the Wirefly insurance, and will be taking advantage of the Zagg offer instead, once my device arrives. Seems more likely that I'd accidentally drop my device in a puddle then I'd have it stolen directly off my person in a situation where I'd have to contact the authorities.
Captain_Throwback said:
Nice observation.
I actually already cancelled the Wirefly insurance, and will be taking advantage of the Zagg offer instead, once my device arrives. Seems more likely that I'd accidentally drop my device in a puddle then I'd have it stolen directly off my person in a situation where I'd have to contact the authorities.
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You are hilarious.
Sent from my lair.
Seriously? I hate this price jumps, freaking stupid. I'm going to look into that zagg plan.
Sent from my PC36100 using Tapatalk 2
I would rather pay Asurion 11$ with a 200$ deductible and get a new EVOLTE, than pay 7$ a month with no deductible to get a replacement phone that is not EVOLTE. There is a difference. You get what you pay for.
typhoonikan said:
I would rather pay Asurion 11$ with a 200$ deductible and get a new EVOLTE, than pay 7$ a month with no deductible to get a replacement phone that is not EVOLTE. There is a difference. You get what you pay for.
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Oh I'd rather have the Asurion insurance, but it's not an option for me, unfortunately. So I have to find a 3rd-party insurance plan that gives me at least some coverage.
Actually, the Wirefly insurance doesn't mention "lost". It only mentions theft. In fact, it speciffically states that if the phone was not secured (i.e. in your car with the door un-locked) it is not covered! No matter that it was stolen.
And, from experience, these companies make you provide a police report. So if you leave it on a bus or in your car and no window was broken, good luck collecting. No water damage, no lost phone, partial theft coverage, no thanks.
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Yes, I read the small print as well and don't think the Wirefly insurance is worth much.