Anyone have any suggestions?
Looking to take out some sort of cover for the phone. Anyone know of any reputable or decent companies to use?
Try you bank? CO-OP account I'd £15.50 a month but covers 4 phones + gadgets + RAC cover. You can open account pay and just use it for the benefits.
Other wise network insurance is good but pricey. What ever you do avoid protect my bubble. They are really terrible if you need to make a claim.
Related
Does anyone have any experience here?
I got talked into the Best Buy Black Tie for 9.99/mo over the 7/mo Assurion. No deductible, protection against everything except for theft and loss, no refurbs...
But I'm curious, since it IS Best Buy after all, how well this really works. I want to make up my mind whether I want Black Tie or Assurion... Anyone have any input on this?
Use state farm or any insurance company. Pay a few dollars per month with no deductible. I will never use Assurion again. Over the 2 yr contract you pay 7 bucks and $130 Deductible. Thats $300 for there service if you replace your phone during the two years.
I don't have a renter's insurance policy - my roommate does. Do they offer standalone insurance?
I've definitely had some nasty experiences with Assurion... 6 "refurb" Moguls that were all crap, refurb TP's that were crap, refurb TP2s... but I don't know anyone who has had Best Buy's warranty... and I had a really nasty experience with them over a TV a few years back...
The difference between the 2 is with best buy plan if something happens to your phone they send it off to get fix and they five toys crappy phone to use til they get yours back. It can take up to 2weeks just so you know. Sprint on the other will try to fix it or get-out a replacement phone. If its water damage or damaged beyond repair you can file a insurance claim and the insurance company will over night you a phone. Hope this helps
Wow I was misled on this one big time.
Is it too late to cancel the insurance? I'll just get TEP... I hardly ever have to pay the deductible anyway...
The difference between the 2 is with best buy plan if something happens to your phone they send it off to get fix and they give you a crappy phone to use til they get yours back. It can take up to 2 weeks just so you know. Sprint on the other hand will try to fix it or get you a replacement phone. If its water damage or damaged beyond repair you can file a insurance claim and the insurance company will over night you a phone. Hope this helps
2jay2 said:
The difference between the 2 is with best buy plan if something happens to your phone they send it off to get fix and they give you a crappy phone to use til they get yours back. It can take up to 2 weeks just so you know. Sprint on the other hand will try to fix it or get you a replacement phone. If its water damage or damaged beyond repair you can file a insurance claim and the insurance company will over night you a phone. Hope this helps
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they do not
when i have broken my phones on numerous occasions thru bestbuy i walk in they check and give me a brand new one right away and activate it
Hmmm... Sounds like I should do some more research...
They are both telling the truth. Over the lifecycle of a phone, Bestbuy provides different levels of service. For example, in the early days of the Palm Pre, BB would replace them with in store stock. 6 months in, they began the bullsh*t policy with the mail ins.
They do this with most phones. No way to know if it will impact Evo, until it does.
EtherealRemnant said:
I got talked into the Best Buy Black Tie for 9.99/mo over the 7/mo Assurion. No deductible, protection against everything except for theft and loss, no refurbs...
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Well there's your answer right there. Best Buy's plan costs more and covers less. Don't forget with TEP the only time you pay a deductible is for obvious physical damage and loss/theft.
I have mine insured through squaretrade.com. I paid $115.60 (with discount, which is easy to get) for 2 yrs of coverage for up to $599 (they have cheaper plans), full coverage including accidental handling. The ADH portion has a $50 deductible (if you drop it or immerse it in water) and if it's defective there's no deductible. I've dealt with them before and they had the funds in my Paypal account within 2 hrs of having received my broken phone. You don't get a loaner but you get full coverage (except for theft/loss) and no hassle.
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 ?
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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.
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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??
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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 suggest or use any insurance carrier for their phone? I'd like to get a policy that covers loss or damage like you'd get from a carrier, but since most of us are buying directly from Google this clearly isn't an option. Any thoughts?
armond21 said:
Anyone suggest or use any insurance carrier for their phone? I'd like to get a policy that covers loss or damage like you'd get from a carrier, but since most of us are buying directly from Google this clearly isn't an option. Any thoughts?
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I actually have been looking into this. SquareTrade is probably the best bet. My only concern is that they are overcharging way too much for the Nexus 4 taking into consideration the MSRP of the phone, plus the $99 deductible. If you look at the iPhone plans they look much more attractive then the standard smartphone plan.
The interesting thing they told me on my email was the following:
"I'd like to let you know that the deductible on the warranty can also be waived off if you have the phone repaired from an authorized service center and send in the invoice to us and we will reimburse you the cost of the repairs."
They will also have a 40% off sale for BlackFriday if you Like their Facebook, which makes the deal a bit more affordable, https://www.facebook.com/SquareTrade
I really just wish I could sign up the Nexus 4 with their Tablet plans instead as those make more sense with the pricing scheme.
Friends,
I noticed that many insurance companies are dropping insurance protection on tablets, mobile phones etc. I was using state farm under my policy with the iphone, but since graduating to samsung galaxy iv via t-mobile. I can no longer use SF insurance because its discontinued.
I understand that I can use the manufacturer's warranty on defects but not theft, lost, or accidental breaking.
Reviewed a few threads here and noticed square trade but doesn't offer theft protection. T-Mobile on the other hand does for $8.00 a month
that I believe which isn't bad. But $175. deductible little too high, might as well just buy a new phone.
What other experiences or suggestions are there for protecting against theft or losing the phone? I have never had a problem with either both (thank god) but like to expand on other options that are out there.
Please advise and Thank You,
tvos
tvos said:
Friends,
I noticed that many insurance companies are dropping insurance protection on tablets, mobile phones etc. I was using state farm under my policy with the iphone, but since graduating to samsung galaxy iv via t-mobile. I can no longer use SF insurance because its discontinued.
I understand that I can use the manufacturer's warranty on defects but not theft, lost, or accidental breaking.
Reviewed a few threads here and noticed square trade but doesn't offer theft protection. T-Mobile on the other hand does for $8.00 a month
that I believe which isn't bad. But $175. deductible little too high, might as well just buy a new phone.
What other experiences or suggestions are there for protecting against theft or losing the phone? I have never had a problem with either both (thank god) but like to expand on other options that are out there.
Please advise and Thank You,
tvos
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Hi,
I have insured mine on my household policy.
Very reasonable,and good cover.
Try talking to them,and see what they offer.
malybru said:
Hi,
I have insured mine on my household policy.
Very reasonable,and good cover.
Try talking to them,and see what they offer.
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Household policy only covers if the phone is inside the house and was stolen, not outside coverage.
tvos
OK, like many of you, I have traditionally paid the $8-12 per month for device protection / insurance. But I recently started questioning that and did some digging. Here's what I found:
My Amex AND Visa cards both provide courtesy device protection with a $0 deductible for 90 days after purchase date. It's automatic, and offered by pretty much most credit card companies these days.
My home owner's policy provides up to $5000 in home electronics coverage, with a $50 deductible. It's automatic as well. Phones and home electronics are considered personal property and your home owner's policy covers you anywhere in the world, not just in your home.
I called both credit card company and the home owners company to go through what's covered and what's excluded in detail. Accidental loss, theft, water damage, screen breakage - they are all covered. Yeah, sure, you have to go through a claims process and they aren't going to overnight you a replacement phone. But I am more than happy to just go online and buy a brand new device while I wait for claims to reimburse me. That way, I am getting a brand new phone too, instead of a refurbished unit.
Just wanted to share this with folks - most people have this coverage automatically, no reason to pay the high cell phone carrier insurance rates.
Thanks. I work in Auto insurance and I never thought to call my home owners insurance. I'm going to give them a call.
Sent from my SM-T700 using XDA-Developers mobile app
xxaarraa said:
OK, like many of you, I have traditionally paid the $8-12 per month for device protection / insurance. But I recently started questioning that and did some digging. Here's what I found:
My Amex AND Visa cards both provide courtesy device protection with a $0 deductible for 90 days after purchase date. It's automatic, and offered by pretty much most credit card companies these days.
My home owner's policy provides up to $5000 in home electronics coverage, with a $50 deductible. It's automatic as well. Phones and home electronics are considered personal property and your home owner's policy covers you anywhere in the world, not just in your home.
I called both credit card company and the home owners company to go through what's covered and what's excluded in detail. Accidental loss, theft, water damage, screen breakage - they are all covered. Yeah, sure, you have to go through a claims process and they aren't going to overnight you a replacement phone. But I am more than happy to just go online and buy a brand new device while I wait for claims to reimburse me. That way, I am getting a brand new phone too, instead of a refurbished unit.
Just wanted to share this with folks - most people have this coverage automatically, no reason to pay the high cell phone carrier insurance rates.
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Most credit cards offer extended warranty. Regarding about filing a claim with your insurance company, your premiums will go higher if you file too many claims. So for a small claim, it might not worth it.
Hopefully I don't lose my phone too many times, in fact I hope I never lose it. The whole premium going up after a claim isnt something I worry about. I can either pay $150 a year PLUS $175 deductible for carrier provided insurance, or make a claim with my home owners policy and take my chances with premium increase the next year.