Related
I found out last week that most if not all forms of home owners insurance and renters insurance will allow you to separately insure personal items for a nominal fee. This has no deductible, covers full amount of item, and they usually just need serial number.
My wife's hero and my evo are now insured for $50 a year under renters insurance. My friend insured 2 evo's and a hero for $15 for a year under his home owners insurance. Plus neither have a deductible for personal item insurance. Just the yearly payment.
Good info. Curious, dDoes this cover malfunctions, accidental damage, and theft? Who is your insurer?
theres an insurance company around here called state farm (they do auto insurance I believe) and they sell personal item insurance for $30/year and it covers just about any smartphone. You don't have to have any other kind of insurance with them. You pay $30 bucks and they write you a check for how much it costs if you need it replaced, but they cancel you for a year after 1 claim.
itmustbejj said:
but they cancel you for a year after 1 claim.
Click to expand...
Click to collapse
i'm assuming they just cancel the device insurance, and not everything lol.
itmustbejj said:
theres an insurance company around here called state farm (they do auto insurance I believe) and they sell personal item insurance for $30/year and it covers just about any smartphone. You don't have to have any other kind of insurance with them. You pay $30 bucks and they write you a check for how much it costs if you need it replaced, but they cancel you for a year after 1 claim.
Click to expand...
Click to collapse
That is the company my wife and I used for our renters insurance so we rolled it up under that.
I would imagine they look pretty closely at these claims to make sure people aren't taking advantage. But as far as I know they will cover just about anything that happens to it.
itmustbejj said:
theres an insurance company around here called state farm (they do auto insurance I believe) and they sell personal item insurance for $30/year and it covers just about any smartphone. You don't have to have any other kind of insurance with them. You pay $30 bucks and they write you a check for how much it costs if you need it replaced, but they cancel you for a year after 1 claim.
Click to expand...
Click to collapse
Wow, that sounds amazing! What does it cover (loss, theft, water damage, etc) and are you positive that you don't have to have any other type of insurance with them?
jasonleb1 said:
Wow, that sounds amazing! What does it cover (loss, theft, water damage, etc) and are you positive that you don't have to have any other type of insurance with them?
Click to expand...
Click to collapse
Ok I guess you do have to have some kind of insurance through them. I found this:
State Farm DOES in fact insure cell phones, they do it through their "Personal Articles Policy". Their are two requirements to get it. One, that the phone has to be worth over $500 (which is why they will say they don't insure cell phones because most aren't worth that much including the IPHONE) but the Nexus One is worth over $500. Two, you HAVE to have some type of policy with them already.
If you don't you have a policy with them, you can get some type of home/renters insurance which is crazy cheap (and your an idiot if you don't have something like that in place already). I actually signed up for renters insurance which was $15/month (cheaper than what I was paying) which allowed me to get the phone covered with the Personal Articles Policy.
It's $34/year with No Deductible. It covers everything except software problems. So theft, damage, you get pissed and decide to throw it in a river, etc. gets
covered.
Edit: Theres another guy that said on 4/22/10 that he had the state farm item insurance for his phone with no other insurance
I'll stick with squaretrade.
rutter9 said:
I'll stick with squaretrade.
Click to expand...
Click to collapse
Never heard of them. Do they do personal article insurance.
itmustbejj,
Their policy actually states $500? I wonder if they will allow cheaper devices if you have other forms of insurance through them as I'm insuring my Evo and it is $440. Or maybe my wife figured out how to work the system...
Sadly, my State Farm agent sent me this email today in response to my request to apply this to our account. We spoke yesterday and she thought it wouldn't be a problem, but just had to call for a quote...
State Farm no longer writes a Personal Articles Policy for coverage for cell phones and hand held devices. My underwriters informed me that the losses were too great, that State Farm decided to do away with the risk for the company. Thank you for your interest and if anything changes on that I would be delighted to inform you.
Click to expand...
Click to collapse
So they stopped in the 3 days since the first post? That sucks. I'm sure you can call around and ask any of the major insurance companies that offer renters/home owners insurance.
JustinChase said:
Sadly, my State Farm agent sent me this email today in response to my request to apply this to our account. We spoke yesterday and she thought it wouldn't be a problem, but just had to call for a quote...
Click to expand...
Click to collapse
If that's the case then State Farm better give me back my money check! I haven't received anything like this yet but will update if I do.
i had this for my new laptop.
I spill a cup of water on the keyboard and fried it.
The insurance pick up the tab and replaced it.
Got a check. Cost to much to repair vs. replace it.
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.
Hi guys,
Should be getting my Desire HD sometime next week if all goes to plan (super excited ). I have bought it sim free online so it's cost me £470 and as you can imagine I'd like to protect this investment against any mishaps.
I've been looking around at phone insurance and there seems to be a decent choice out there. Just thought I would get your opinions before purchasing any.
I can't get insurance from my provider (o2) cause I'm on a sim only tariff and would like to keep it that way and my phone isn't covered in my house insurance policy. So I would like any recommendations on any phone insurers. I am based in the UK (so need a UK insurer).
I just want it to cover all the basics really such as theft, liquid damage, accidental damage etc. etc. Loss cover would be nice but it is not a must.
Thanks
Who do you bank with some banks do a add on package where you get things like mobile insurance and travel insurance ?
Sent from my Desire HD using XDA App
mancuk29 said:
Who do you bank with some banks do a add on package where you get things like mobile insurance and travel insurance ?
Click to expand...
Click to collapse
Sorry I forgot to mention that, I bank with HSBC. I checked with them and they do not offer a separate phone insurance or belonging insurance other than that covered in their home insurance policy (and I don't insure my home with them).
Add it to your house insurance who will insure it for Cover both in and out of house mine for the year extra was 6euro
Sent from my Desire HD using XDA App
HSBC do have phone insurance package as I had this few years ago and I claimed. Over all experience was very quick and with in 3 weeks I had 450 in my bank. I'm currently with natwest and have advantage blue package that gives me phone insurance for phones worth upto 750 and I pay £6.95 a month. I would recommend going with HSBC but if thy don't do it no more open a current account with natwest and ad a advantage blue package. End of the day ya don't have to use the bank. Or insure ya phone at ccpclaims this is the company natwest use for there advantage blue package.
Sent from my Desire HD using XDA App
why would you need one? if in some cased you broke your phone and the price of fixing it exceed the price of buying new one, then just buy a new one, or if it was less then fix it. i'm sure it wont cost more than the amount of money you eventually going to pay for the insurer.
Personally i use fonesafe, its £5.99 a month and they guarantee a new phone to your door in 24 hours.
If you don't mind waiting a little longer you can try:
http://www.insureandgo.com/phone-insurance.html
They have excellent customer service, and the claim will be dealt with reasonably fast, although it breaks, they will try to repair the phone rather than replace it (they will replace if it cannot be repaired).
Whomever you go with though you must be EXTRA careful to both read the policy in full and keep the insurance people up to date with your details. If you miss out anything important or do not claim in time etc you are VERY likely to lose your claim. Having said that, if you are mindful you wont have an issue
J
No end: Insurance covers against loss/theft AND accidental damage. In my opinion it is well worth it, i pay £140 over the course of the handsets life (2 years), during that time i dont have to worry about losing or breaking it (my two biggest worries), that peace of mind is worth it in my opinion. Naturally, opinions differ!
NoEnd said:
why would you need one? if in some cased you broke your phone and the price of fixing it exceed the price of buying new one, then just buy a new one, or if it was less then fix it. i'm sure it wont cost more than the amount of money you eventually going to pay for the insurer.
Click to expand...
Click to collapse
well the cost of the phone is £470...the cost of insurance is about £5-£8 a month (£60-£96) a year. Insurance doesn't just cover breakage though, it will cover the phone against theft and the more expensive packages (£7-8) cover it in case you lose your phone. Liquid damage is also something it covers and being in the rainy UK you just never know...2 years ago my phone got destroyed because I was walking on the side of the road and got splashed by a passing bus driving through a puddle.
I realise that being Bahraini things work differently out there (I used to live in the UAE) so phones are a lot cheaper (no VAT) and that things such as theft and rain are less common so insurance isn't even considered
i have my student home insurance with endsliegh. phone insurance was £24 FOR THE YEAR and covers loss, accidental damage (inc water damage), and theft. replacement within a week. awesome.
asked my parents and they said their phones are covered by their home insurance for pennies, so it might be worth asking your home insurance company first.
let say i'm in bahrain, and my phone got stolen, how they would be sure that it is stolen??
NoEnd said:
let say i'm in bahrain, and my phone got stolen, how they would be sure that it is stolen??
Click to expand...
Click to collapse
Well here in UK you'd have to call the police and report it stolen and tell them how. If you left it in your car which was unlocked and left it on the seat for everyone to see then obviously the insurance company would not pay out as it was incompetence on your part. But if they smashed a window and took it from the glove box then it would say that in the police report and the insurance company should cover it. The same applies for if its taken from your house or if it stolen of you directly...most important thing is to report it and get the crime report from the police.
Anyone else with a tf buy insurance for their tf? Just thought I would share that I just bought a policy from www.worthavegroup.com It cost 35 bucks for 1 year of coverage with no deductible. You can also add a smartphone to your policy for only 10 bucks (sucks because I bought a smartphone policy from them a month ago for 50 bucks). Also coupon code tenoff takes 10% off the price. Hope this helps someone out.
Portable devices are covered under my home insurance. I didn't even need to give them the IMEI number last time I upgraded my phone.
Worth checking out, IMO.
They seem to be very product specific. I don't see any "general tablet" insurance - just iPad insurance.
I'd recommend Square Trade. They have cheaper than most store warranties, plus cover things like accidental breakage and screens. Better coverage and a better price, though no store return/exchange.
Popsiclestand said:
They seem to be very product specific. I don't see any "general tablet" insurance - just iPad insurance.
Click to expand...
Click to collapse
Tablet insurance is covered under the laptop insurance. Covers accidental damage, lost, stolen, etc.
quietas said:
I'd recommend Square Trade. They have cheaper than most store warranties, plus cover things like accidental breakage and screens. Better coverage and a better price, though no store return/exchange.
Click to expand...
Click to collapse
ST costs a lot to get any breakage/theft insurance.
Fubar65 said:
Tablet insurance is covered under the laptop insurance. Covers accidental damage, lost, stolen, etc.
Click to expand...
Click to collapse
So it is! Just purchased a policy for my TF and dock as well as for my Droid X phone. Thanks!
Popsiclestand said:
So it is! Just purchased a policy for my TF and dock as well as for my Droid X phone. Thanks!
Click to expand...
Click to collapse
Awesome! You are very welcome. Also they have an A+ rating from the BBB and reviews of them suggest they are top notch.
Anybody know any good UK insurance deals? I'm just waiting for a call-back from my home insurer to see what they cover/charge.
Never bothered with insurance in the past, but would cry if I dropped and broke this baby.
http://www.protectyourbubble.com/gadget-insurance/get-quote.html
PGibbons999 said:
ST costs a lot to get any breakage/theft insurance.
Click to expand...
Click to collapse
The coupon code THIRTY30 will get you 30% off of the policy. Ends up being less than the worth ave insurance.
I went with Worth Ave for two reasons:
1. SquareTrade would not allow the accidental damage add-on since I purchased the TF from Best Buy. Worth Ave has it regardless of merchant.
2. SquareTrade does not cover theft, Worth Ave does.
vincey said:
I went with Worth Ave for two reasons:
1. SquareTrade would not allow the accidental damage add-on since I purchased the TF from Best Buy. Worth Ave has it regardless of merchant.
2. SquareTrade does not cover theft, Worth Ave does.
Click to expand...
Click to collapse
I have 3 insurance policies with squaretrade, and I'll be going with WAG for the policy on the Transformer I just purchased. Thanks!
vincey said:
I went with Worth Ave for two reasons:
1. SquareTrade would not allow the accidental damage add-on since I purchased the TF from Best Buy. Worth Ave has it regardless of merchant.
2. SquareTrade does not cover theft, Worth Ave does.
Click to expand...
Click to collapse
Thanks really appreciate this. At best buy during the black friday hell the guy asked if I would like the entire black tie protection for $112 or something. I told him flat out no and he kept pushing it.
I'm definitely going with Worth Ave and recommending it to friends. $9 extra for theft is really cheap. They say you can add some tracking program too but android probably already has an app for that. Thanks again.
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
Click to expand...
Click to collapse
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
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
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.
Click to expand...
Click to collapse
Yes, I read the small print as well and don't think the Wirefly insurance is worth much.