Database Users

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.
Click to expand...
Click to collapse
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..
Click to expand...
Click to collapse

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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.

[Q] Insurance worth it?

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?
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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)
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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
Click to expand...
Click to collapse
isn't the phone warrantied for a year anyway?

robl45 said:
isn't the phone warrantied for a year anyway?
Click to expand...
Click to collapse
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
Click to expand...
Click to collapse
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?
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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..
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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

Insurance vs. Warranty replacements

Hello all
I have three days left to decide if I want to add insurance to my Evo. I am debating whether or not it is actually worth it.
I am not concerned with damaging the phone myself. I have had 8+ smart phones, and I haven't lost / broken / soaked any of them. The only reason I would be considering the insurance is for hardware defects. Based on experiences with my friends' Evo's, the two main things I am concerned about are
a) a future loose / malfunctioning charger port
b) blown earpiece speaker
For these two things, I am guessing that the 1-year warranty will cover them, correct? If so, how does that process work? Do I have to deal with HTC directly, or can I get all my exchanges, repairs, etc. handled at a Sprint store?
Thanks in advance.

I would just do it personally, just for piece of mind... Its not like its a crazy amount of money. You know how Sprint can get sometimes, what if your phone gets messed up and then they start giving you the run around? I would do it but to each his own, best of luck in whatever you choose to do.

oreoOozZz said:
I would just do it personally, just for piece of mind... Its not like its a crazy amount of money.
Click to expand...
Click to collapse
...and thats how they reel u in. I did the insurance thing with my Touch Pro until I realized how big of a waste it was (thought it was only $50 deduct). I've never had an opportunity to use insurance and look at all those months of $7 I would have wasted. You'll be able to get NIB Evos off eBay for around $300 before too long.
Sent from my Evo...

awenthol said:
...and thats how they reel u in. I did the insurance thing with my Touch Pro until I realized how big of a waste it was (thought it was only $50 deduct). I've never had an opportunity to use insurance and look at all those months of $7 I would have wasted. You'll be able to get NIB Evos off eBay for around $300 before too long.
Sent from my Evo...
Click to expand...
Click to collapse
300-100=200 / 7 = 29 months of insurance. I would go for the insurance for two years or until I'm eligible for another phone.

Why was I able to replace my g1 three times with no insurance?
Well because htc includes one year warranty. So when ever I had a defect or the phone does not turn on tmibile just makes sure no water damage and I get my replacement.
Does the evo not have the same warranty from htc?
Sent from my PC36100 using XDA App

my wife and I don't carry insurance on our evo's. its a gamble that I'm willing to take.I'm covered within the first year warantee and after that, the phone is old to me anyways...her charger port came loose and we took it to a service center and they replaced it with a new phone. They said the charger port was a known issue and sprint honored the replacement. worse case scenario,i would've went directly through htc

So as long as you don't dip your phone in the toilet or run it over with your car, no need for insurance.
Sent from my PC36100 using XDA App

Ohhhh. And if they give me a hard time about any exchange I'll just call and make a corporate complaint.
Sent from my PC36100 using XDA App

Thanks for your input everyone.
I think I'm going to be dropping the insurance. I think that because my bill us over $69.99/month, I am eligible for an upgrade every 12 months, which will coincide nicely with the 1 year manufacturer warranty...

I'm somewhat new to Sprint, but I've noticed that with my other phones on my plan when there is a problem they always jump to insurance over warranty.
I've had 2* Samsung Moments have their USB ports go bad. First time they used warranty, second time they wanted me to use Insurance, but got the phone support to use warranty.
Another samsung moment the screen was shutting off on its own and they said there was something wrong with the ribbon on the inside of the phone and said it was physical damage and to use insurance to replace. How can it be physical damage on the inside?????
Every time they said to use insurance was in store, over the phone they use warranty.

Does anybody here have Best Buy insurance on their phone? I have it and was wondering if it as great as i here. They tell me if the phone breaks for any reason they replace it no question.

david279 said:
Does anybody here have Best Buy insurance on their phone? I have it and was wondering if it as great as i here. They tell me if the phone breaks for any reason they replace it no question.
Click to expand...
Click to collapse
Best Buy would lie to its momma to sell her black tie insurance. I bought it for a game system several years ago and found out the hard way that they do ask questions. I got it replaced but it took a few hours for my blood pressure to come back down..

nebenezer said:
Best Buy would lie to its momma to sell her black tie insurance. I bought it for a game system several years ago and found out the hard way that they do ask questions. I got it replaced but it took a few hours for my blood pressure to come back down..
Click to expand...
Click to collapse
Um figured something like that.

david279 said:
Um figured something like that.
Click to expand...
Click to collapse
lol, ymmv
this was almost 9 years ago. I was a much bigger jerk back then so I'm sure my demeanor was a factor in the exchange..

Most people will complain about Bestbuys phone insurance, but I prefer it. I had the Hero, got it wet, it died, and they sent it out to be repaired. After a month (yes, took forever, but I did have a loaner from bestbuy during the time) they said it couldn't be fixed. Got store credit for the cost (retail, so $599.99 + tax), to get another Hero. I just got the Evo instead. They had no problem with it, since I was buying without upgrade or anything.
If it had been sprint they would have tossed me to asurion, and I would have paid $100...and still had the Hero.

as it stands, right now any warranty issues can be handled by Sprints S&R centers with or without Sprints ESRP or TEP plans. heard through the grapevine though that come October, customers that dont have ESPR or TEP will have to go through the Manufacturer for warranty, which the Manuf. wants you to ship the phone to them, they will determine if its covered or not, then send the phone back either fixed, replaced or the way you send it to them.

I keep the insurance on it. When I got my Tour last year, there was a glitch in the system for a couple of days. I got the $7TEP for $3 on both my and my wife's phone. =)

nxtech3 said:
as it stands, right now any warranty issues can be handled by Sprints S&R centers with or without Sprints ESRP or TEP plans. heard through the grapevine though that come October, customers that dont have ESPR or TEP will have to go through the Manufacturer for warranty, which the Manuf. wants you to ship the phone to them, they will determine if its covered or not, then send the phone back either fixed, replaced or the way you send it to them.
Click to expand...
Click to collapse
Warranty goes through manu, not Sprint or any agent, don't know where you heard that from.
I don't know what makes anybody think they are entitled to a "new" phone and not refurb after months of wear/tear and something happening to the phone. Nothing on this planet lasts forever and phones are not meant to last more than a year (haven't you figured that out already by the ONE YEAR MANUFACTURERS warranty?)
Just like any other insurance on the planet, anytime you make a claim you must pay a deductible, car insurance, health insurance, phone insurance, ANY insurance. If you don't pay a deductible I guarantee you, you are paying more monthly than the insurance that does have a deductible. Now, it all comes down to how much of a gamble you want to pay. $7 a month + $100/$50 deductible through Sprint which in worst case scenario (11 months) you ended up paying $177/$127 but covers lost/stolen, physical damage, water damage, etc. Or $10 a month which after 11 months is $111 but doesn't cover lost/stolen and water damage in which case, you're now screwed. Me personally? I don't use insurance, I take good care of my ****

DirtyShroomz said:
Warranty goes through manu, not Sprint or any agent, don't know where you heard that from.
Click to expand...
Click to collapse
Sprint has covered any and all warrenty claims I have thrown to them at no extra cost. The shipping label says Sprint, not HTC.

We charge the manufacturer whenever we do service or replacement through warranty at our store so both of you win lol
Sent from my PC36100 using XDA App

Buy insurance for your epic..no more instore warranty repairs/replacements

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
Click to expand...
Click to collapse
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
Click to expand...
Click to collapse
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
Click to expand...
Click to collapse
"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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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?
Click to expand...
Click to collapse
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?
Click to expand...
Click to collapse
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?
Click to expand...
Click to collapse
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.)
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.

[Q] Not Really A Galaxy S4 Question But... Who Has AT&T Insurance?

So I have 30 days from activation to add the AT&T Mobile Insurance to my plan. It costs $6.99. For those of you that have it (and used it), is it even worth it? I mean I know that if the phone breaks, I either have to pay out of pocket to get it repaired or buy a new one.
The standard warranty is 1-year, meaning if it malfunctions or anything breaks, I'm covered. But beyond that, the deductible is $199. Problem is that I have to pay $6.99 a month starting now, which in a year would cost me $84 until my default warranty is over.
I had the warranty at Sprint and I was with them for 13 years. I never once had to use it and it almost seems like flushing your money down the toilet.

Faluzure said:
So I have 30 days from activation to add the AT&T Mobile Insurance to my plan. It costs $6.99. For those of you that have it (and used it), is it even worth it? I mean I know that if the phone breaks, I either have to pay out of pocket to get it repaired or buy a new one.
The standard warranty is 1-year, meaning if it malfunctions or anything breaks, I'm covered. But beyond that, the deductible is $199. Problem is that I have to pay $6.99 a month starting now, which in a year would cost me $84 until my default warranty is over.
I had the warranty at Sprint and I was with them for 13 years. I never once had to use it and it almost seems like flushing your money down the toilet.
Click to expand...
Click to collapse
Considering the fact that if you actually spent the cash to get yourself an insurance replacement, to my understanding, insurance replacements are refurbished devices anyways, so the real question is, are you clumsy or prone to accidents? Because thats pretty much the only difference between the free warranty, or the 6.99/mo + 199$ is that if you run it over with your car or drop it in the toilet(physical damage of any sort), you're still covered.
Personally, I think its a waste of money, but then again if you can actually afford AT&T and the products, whats another 7$?

Jragyn said:
Considering the fact that if you actually spent the cash to get yourself an insurance replacement, to my understanding, insurance replacements are refurbished devices anyways, so the real question is, are you clumsy or prone to accidents? Because thats pretty much the only difference between the free warranty, or the 6.99/mo + 199$ is that if you run it over with your car or drop it in the toilet(physical damage of any sort), you're still covered.
Personally, I think its a waste of money, but then again if you can actually afford AT&T and the products, whats another 7$?
Click to expand...
Click to collapse
Thanks man. I guess I was just looking for an excuse not to have buyer's remorse.

Faluzure said:
So I have 30 days from activation to add the AT&T Mobile Insurance to my plan. It costs $6.99. For those of you that have it (and used it), is it even worth it? I mean I know that if the phone breaks, I either have to pay out of pocket to get it repaired or buy a new one.
The standard warranty is 1-year, meaning if it malfunctions or anything breaks, I'm covered. But beyond that, the deductible is $199. Problem is that I have to pay $6.99 a month starting now, which in a year would cost me $84 until my default warranty is over.
I had the warranty at Sprint and I was with them for 13 years. I never once had to use it and it almost seems like flushing your money down the toilet.
Click to expand...
Click to collapse
I have it simply for theft coverage. I usually cancel after the first year. I'm a high school teacher and theft is a strong possibility.
Sent from my SAMSUNG-SGH-I337 using xda premium

I've heard many people say that you can use your home owners insurance to cover your mobile electronics for much cheaper than what ATT or squaretrade charges. I think it covers theft too. Something to look into

I work for att so ask away.
The insurance actually sends you a new replacement if they have it on hand which 99/100 times they do.
In my opinion its worth it. Just don't fall for the stupid 9.99 protection pack. Some people might tell you its all they have, but its a lie. They do offer the 6.99 insurance still.