Has anyone used their CC purchase protection instead of getting insurance - Nexus 6P Q&A, Help & Troubleshooting

Someone pointed out about how they opted out of getting "Nexus Protect" to use the money to upgrade to the 128gb version because their signature card has purchase protection which alot of credit cards nowdays have. It got me thinking so i looked at my Chase Sapphire Preffered benefits which is a visa signature card.
Here are the benefits when it comes to purchase protection:
PURCHASE PROTECTION
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
EXTENDED WARRANTY PROTECTION
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
PRICE PROTECTION
If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.
RETURN PROTECTION
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.
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So for 4 months after the card gets officially charged, I get protection from any user damage or theft without having to pay a deductible. I also get another year of manufactor warranty which Google has good warranty services with no deductible. Before one says that the process of claiming can be lengthy compared to that "Nexus Protect" offers you to replace the phone as soon as the next business day, i called chase sapphire card directly and they told me what documentation would be needed (not much depending on the situation), and that if the phone is unusable or badly damaged that I can just use the card to pay for another one and they will reimburse me what i paid for (up to $500). With that said there would be no deductible on my end, maybe the extra $50 if i wanted to get the same 64gb version i ordered assuming prices are still the same when I file a claim. And honestly... me being a nexus guy... ill end up upgrading again to next years nexus phablet.
What is everyones experience with credit card purchase protection claims?

Related

Anybody buy SquareTrade warranty?

Anybody buy SquareTrade warranty? $99 for Nexus S, they have a special menu selection for the Nexus S. $50 deductible for accidental damage, no deductible for hardware/software failures like batteries. You can get it up to 30 days from date of purchase, and prorated refund if u don't want it. Covers for 2 years.
I've never bought any warranties for anything before, but might on the Nexus S. Much cheaper than Best Buy's Geek Squad Protection Plan at over $200.
Sent from my Nexus S
I did, and I have had a claim through them before with no problems. You do however have to send your phone in and turn around time is about three days so you would want a backup of sorts.
Also got it for NS for the reason of not wanting to use a case. No problem claiming a point and shoot before.
I warranty all my phones and settop boxes with them. I never had to use one but you can cancel at anytime and get unused warranty transfered back to your credit card. You can even transfer the warranty to another person if you sell the phone. It was a great selling point when getting rid of a 3gs.

Warranties...

Has anyone made any decisions yet on their warranty if they are getting one? I guess my choices are the BB Black Tie Program, VZW's "extended warranty" and SquareTrade. I have never had an experience with any one of them.
VZW requires a monthly payment, about $10 or so. SquareTrade is $129 for 3 years (+ an optional/additional $70 for accident, spill/water, & drop protection) and BB 2 year Black Tie program is about $160 if I recall and the 3 year program is through the roof.
I'm looking to see if anyone's had experience, particularly with SquareTrade, since when I do the math looking at it over a three year time frame, it seems to be the best deal because it's about $5.50 a month over that period.
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I have used square trade and have found their service to be great.
Its also has the benefit of being transferable to anyo e you sell the unit to for free.
I went with the 1 year black tie in this case because I plan to trade the unit in at the end of the year when I hope the quad cores are out
Sent from my Xoom using XDA App
I used my Amex, 1 year extended warranty and 3 months accidental and theft protection for free.
Sent from my EVO using XDA App
Bassman9027 said:
I frequent BBY, I bought the 1 year accidental plan.
1) Own Xoom for 11 months
2) in month 12 drop the xoom *woops*
3) Bring in to BBY and ask for store credit
4) Walk out with current gen tablet or $799.99 store credit in your pocket.
seems like a good deal to me.
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That's not how it works. They are going to try and fix it, and if they cannot, you'll get store credit towards a new tablet
Squaretrade has a 30% discount today code MARCH) so I was thinking about getting add'l warranty. I've bought warranties from them before but never required their service so idk what they are like when they have to pay. However, my Xoom is still not even shipped yet LOL!

Galaxy s2 warranty for USA users

There has been a lot of discussion about warranty for galaxy s2 for users in USA.
I have found some definite answers. Summary is : none of them will get warranty in usa but needs to be shipped to UK/Europe.
I was planning to buy one handset but holding back due to the lack of warranty.
However if someone has got other info please add it here
1. Handtech : I sent a mail and this is the reply that i got.
If you needed to claim on the warranty for the Galaxy II then it would more than likely have to come back to us I'm afraid as it is only covered by a UK warranty. However, sometimes Samsung in Europe will help but we obviously cannot guarantee this as it would be their decision.
2. Expansys-usa - Talked over the phone -
Told me they will help me ship the phone to UK. But i dont know how fast that is going to be.
Hope this someone here
Pretty much as is and as has been reported .
Two warranty suppliers one the seller and two Samsung .
Samsung have said in the past that they cover warranty within Europe providing user has receipt from authorized seller .
jje
My company buys $10MM a year in Samsung TVs. My global account rep checked with the retail electronics group and said it would be serviced at any Samsung repair center worldwide. I'd take that over a shop clerks statement.
Here's an excerpt from the e-mail I received:
In the event that warranty service is required on your Samsung Mobile product and you are located outside of the country where it was originally purchased, the local Samsung entity in the foriegn countries listed below may be able to provide you with warranty service (labor or parts) during your warranty period.
Any warranty services rendered shall be in a manner consistent with the terms and conditions of the Samsung Mobile Products Limited Warranty. Warranty services performed outside the country of purchase may take longer if parts are needed to repair.​
Samsung posted a reply to a consumer and that was the basis of my statement regarding warranty in Europe .
So one part of Samsung differers with another .
Personally if its an international model i would expect warranty to be covered worldwide .
Buy one from Europe break it take it to Samsung USA service centre will be the test .
jje
JJEgan said:
Buy one from Europe break it take it to Samsung USA service centre will be the test .
jje
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So true. That's the only real test. Personally, I'd rather not be first.
I was sending tweets to @galaxyssupport and they wouldn't give me the time of day. Referred me to SamsungUK as "its not a US market phone." SamsungUK has yet to repsond to me. That was a few days ago.....
Anybody have updated info on this? I bought from Expansys and would like to know who I would talk to regarding a warranty covered issue. Thanks.
jmwein said:
Anybody have updated info on this? I bought from Expansys and would like to know who I would talk to regarding a warranty covered issue. Thanks.
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What is the issue you are having? I'm getting ready to pull the trigger on one from Expansys.
Thanks
Not sure if this is helpful, but I bought from Handtec, had to return it for replacement (screen issue diff from ring or yellow). They shipped back using Royal mail, took forever b/c of the Canada post lockout.
The point is shipping back and forth for issues on a phone that seemed to have a propensity for initial quality errors, could get expensive.
benivolent said:
The point is shipping back and forth for issues on a phone that seemed to have a propensity for initial quality errors, could get expensive.
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How much did it cost and how long to did it take befoe you had a working phone again?
kbiz90 said:
How much did it cost and how long to did it take befoe you had a working phone again?
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Cost me approx 79.10cdn to ship back via Fedex. (Canada Post would have cost me $69 but they were on strike &or locked out).
Sent it back June 16, 2011 and received my phone July 11, 2011. (i had my old phone to use in the meantime)
It was just super annoying to check tracking and seeing that it hadn`t left UK for weeks because of the mail lockout, esp when they could have shipped it fedex. Oh well, at least I have it back now.
I just went with SquareTrade. Cost $94 for 2 years with ADH. Accidental Damage from Handling (ADH) coverage.
https://www.squaretrade.com/
3_D said:
I just went with SquareTrade. Cost $94 for 2 years with ADH. Accidental Damage from Handling (ADH) coverage.
https://www.squaretrade.com/
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Click to collapse
did the samething.
I cannot believe this phone has not come out here.
Sent from my GT-I9100 using Tapatalk
3_D said:
I just went with SquareTrade. Cost $94 for 2 years with ADH. Accidental Damage from Handling (ADH) coverage.
https://www.squaretrade.com/
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Click to collapse
If you're in the U.S. might want to look into that. I called them before and because it doesn't have a standard U.S. warranty, it is not covered by Squaretrade.
Of course they have no way of knowing if your phone has warranty here in the U.S. or not, so they let you set it up. Make sure you can keep it, if not cancel it before the 30 free days are up.
You can buy a SGS2 at Amazon right now for $673 with free shipping (if you have Amazon Prime). Probably won't have to pay tax either unless you live in WA state (or some other unlucky state). Amazon has a 30 day return policy.
So, total Amazon cost without warranty is most likely $673.
If you buy from Expansys USA, you pay $700 plus tax. The tax for my state is $54. In addition, I give another online vendor my personal information and billing details.
So total Expansys USA cost is most likely $754. For me, it's an extra $81 over Amazon. Or 12% more.
What do you get for that $81? You probably get a two year warranty against manufacturing defects. Amazon is one month. It's unclear whether you have to ship it back to the UK. If you do and you pay the same as benivolent (thanks for the info, benivolent), you'll pay another $70 or so and wait at least 10 business days.
So, if you to ship it back the UK, total Expansys USA cost is most likely $824. For me, it's an extra $151 over Amazon. Or 22% more.
Even if you have to replace the screen which costs $350 (according to BarryH_GEG), the actual savings is $199 if you have to ship back to the UK or $269 if you can get it repaired at a Samsung service center. Of course, if a button fails after the first month, the savings will be much less or nothing at all.
So, from a breakeven standpoint, paying up for the warranty only makes sense if you think there is more than a 12% or 22% chance of something major breaking after the first month.
For me, the more like scenario is I drop or lose my SGS2.
Let's say we can get SquareTrade accidental damage from handling coverage for $94 or 14%. It might be useful if you drop your SGS2 in a puddle or drop it without a protective cover. In that case, you definitely want to buy from Amazon. However, that coverage is questionable given what Oat23 said. Your SGS2 may not be covered since it doesn't have a standard U.S. warranty.
Nothing will cover you if you lose your SGS2.
Personally, I never damaged any of my phones from dropping them and I never lost one. So it has paid for me in the past to forego insurance. That's hundreds of dollars in savings. If I continue my good luck, I'll save a minimum of $81 on my SGS2 purchase. Of course, whether you want to pay up for a warranty or insurance is a personal choice. However, they say the safest driver is one with a cop in the rearview mirror. Maybe the safest SGS2 owner is one without a warranty.
kbiz90 said:
You can buy a SGS2 at Amazon right now for $673 with free shipping (if you have Amazon Prime). Probably won't have to pay tax either unless you live in WA state (or some other unlucky state). Amazon has a 30 day return policy.
So, total Amazon cost without warranty is most likely $673.
If you buy from Expansys USA, you pay $700 plus tax. The tax for my state is $54. In addition, I give another online vendor my personal information and billing details.
So total Expansys USA cost is most likely $754. For me, it's an extra $81 over Amazon. Or 12% more.
What do you get for that $81? You probably get a two year warranty against manufacturing defects. Amazon is one month. It's unclear whether you have to ship it back to the UK. If you do and you pay the same as benivolent (thanks for the info, benivolent), you'll pay another $70 or so and wait at least 10 business days.
So, if you to ship it back the UK, total Expansys USA cost is most likely $824. For me, it's an extra $151 over Amazon. Or 22% more.
Even if you have to replace the screen which costs $350 (according to BarryH_GEG), the actual savings is $199 if you have to ship back to the UK or $269 if you can get it repaired at a Samsung service center. Of course, if a button fails after the first month, the savings will be much less or nothing at all.
So, from a breakeven standpoint, paying up for the warranty only makes sense if you think there is more than a 12% or 22% chance of something major breaking after the first month.
For me, the more like scenario is I drop or lose my SGS2.
Let's say we can get SquareTrade accidental damage from handling coverage for $94 or 14%. It might be useful if you drop your SGS2 in a puddle or drop it without a protective cover. In that case, you definitely want to buy from Amazon. However, that coverage is questionable given what Oat23 said. Your SGS2 may not be covered since it doesn't have a standard U.S. warranty.
Nothing will cover you if you lose your SGS2.
Personally, I never damaged any of my phones from dropping them and I never lost one. So it has paid for me in the past to forego insurance. That's hundreds of dollars in savings. If I continue my good luck, I'll save a minimum of $81 on my SGS2 purchase. Of course, whether you want to pay up for a warranty or insurance is a personal choice. However, they say the safest driver is one with a cop in the rearview mirror. Maybe the safest SGS2 owner is one without a warranty.
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Click to collapse
Whoa, lot's of info.
For purchase, I'd go a third route - clove.co.uk. It's $415 GBP ($670 USD) delivered in three days. It'll be fresh UK stock. If it has a defect, you'd be stuck with one-way shipping but someone else had a problem and Clove was good to work with. By purchasing it in the country of intended sale it's covered by the two-year warranty. My company does a lot of business with Samsung and I was told that the phone could be repaired in the U.S. under their Global Warranty program. It's yet to be tested though. If I bought from Amazon it would be through them direct, not an affiliated seller. To your point, if the first phone's defective in any way, they'd be the cheapest and fastest way to get an exchange. Expansys-USA would be second but they'd be more expensive. Both Amazon and Expansys have shipped phones from funky places like Poland and Chile. I got my phone from the UK and it was perfect. I'm guessing with 3MM sold your chances of getting "perfect" would be a lot higher than "crappy" if you went the UK route.
As for SquareTrade they do cover grey market phones. If you can Google a 30% off coupon it's $94 for $600 of coverage for two-years. It's also transferable which makes the phone more valuable on eBay if you ever want to sell it. I'd bet they'd cover the cost of shipping to the UK for warranty repairs also - it's cheaper than them having to eat the phone at the full $600 of coverage. The screen alone is $450 to replace so, to me, the $94 is worth the piece of mind and as a back-up to the Samsung warranty.
Oat23 said:
If you're in the U.S. might want to look into that. I called them before and because it doesn't have a standard U.S. warranty, it is not covered by Squaretrade.
Of course they have no way of knowing if your phone has warranty here in the U.S. or not, so they let you set it up. Make sure you can keep it, if not cancel it before the 30 free days are up.
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Click to collapse
You are correct. I checked as well a couple of months ago and they said if it is a UK version of the phone, Squaretrade will not cover it in the U.S.
One way they will know it does not have a US warranty is if you purchased it from and overseas vendor since Squaretrade requires you send in a copy of the purchase receipt. The other problem is even if you bought it from a US vendor and the phone fails in the first year, Squaretrade will tell you to work with the manufacturer since it is "covered" in the first year warranty period.
I guess another option is if you bought it from a U.S. vendor and you have an Accidental Damage policy you could smash the phone with a sledgehammer, accidentally, and try to submit a claim and pay any deductible. But if that doesn't work, all you have are pieces of the phone left.
BarryH_GEG said:
As for SquareTrade they do cover grey market phones. .
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The only time Squaretrade "may" cover a grey market cell phone is if it was purchased through eBay. Squaretrade has specialized warranties for eBay purchases. Otherwise, Squaretrade will not cover grey market cell phones.
On the cell phone warranty sign up page, in the fine print it states "The SquareTrade cellphone warranty prices listed above are applicable to new Cell Phones (with a full 1 year manufacturer warranty) purchased from authorized outlets."
Then on the grey market FAQ it states "SquareTrade honors every valid claim, and only voids a warranty if the item was never eligible for a Care Plan or in cases of outright fraud."
In the case on of a non-ebay grey market phone, it is never eligible for a Care Plan in the first place.
That is what they told me when I asked a couple of months ago. If you hear differently from Squaretrade I would love to know (and a contract name and email for Squaretrade to set me up).
FishTaco said:
You are correct. I checked as well a couple of months ago and they said if it is a UK version of the phone, Squaretrade will not cover it in the U.S.
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Click to collapse
From their U.S. terms and conditions:
If the manufacturer refuses to honor their warranty because they consider your item grey market or not purchased from an authorized retailer, we will still cover you.
Here's a link to their full terms and conditions.
http://www.squaretrade.com/merchant/learn/summaryPopup.html
I sent them my UK receipt to have on file so I can go paperless if I need to file a claim. My policy has been updated online to show "receipt received and on file." I checked a lot of different options and their the only ones I could find that would cover a grey market phone.

Squaretrade vs Warrantylife insurance fos S4

Trying to decided whether to get the squaretrade warranty vs the warrantylife.
Warrantylife.com seems to offer the better deal and has 2 options:
Standard Features:
No hidden fees or repair costs
If a product can't be repaired it will be replaced or a replacement credit issued
Power surge protection
Manufacturer authorized service centres
Unlimited number of claims
30 day money back guarantee
Extra Features:
Complimentary 3 way shipping with UPS
Accidents happen, get additional protection today:
Protection from drops and spills with coverage starting on the date of purchase.
$50 deductible required for accidental claims.
2 Year Accidental Damage Warranty
for 89.99
or a 3 year plan 129.99
Where as Squaretrade has a 2 year plan for $99 and a deductible of $99
I dont know whether or not you can transfer the warranty in Warrantylife or if they will give you cash back if you sell your phone before the 2 year plan, however on paper it appears to be the better deal especially since they only have a $50 deductible.
has anyone had any experience with Warrantylife?
WarrantyLife.com
Yes all warranties are transferable form Warranty Life at no cost.
thepoetvd776 said:
Trying to decided whether to get the squaretrade warranty vs the warrantylife.
Warrantylife.com seems to offer the better deal and has 2 options:
Standard Features:
No hidden fees or repair costs
If a product can't be repaired it will be replaced or a replacement credit issued
Power surge protection
Manufacturer authorized service centres
Unlimited number of claims
30 day money back guarantee
Extra Features:
Complimentary 3 way shipping with UPS
Accidents happen, get additional protection today:
Protection from drops and spills with coverage starting on the date of purchase.
$50 deductible required for accidental claims.
2 Year Accidental Damage Warranty
for 89.99
or a 3 year plan 129.99
Where as Squaretrade has a 2 year plan for $99 and a deductible of $99
I dont know whether or not you can transfer the warranty in Warrantylife or if they will give you cash back if you sell your phone before the 2 year plan, however on paper it appears to be the better deal especially since they only have a $50 deductible.
has anyone had any experience with Warrantylife?
Click to expand...
Click to collapse
Thanks for the update!
Anyone had any experience with Warrantylife?
Hi, Is there any plan that covers for theft or loss?
Thanks.
gilbnx said:
Hi, Is there any plan that covers for theft or loss?
Thanks.
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Click to collapse
Not right now, those plans are usually very expensive with very high deductibles. For example, if you do lose your phone, you'll be paying $165 deductible plus the price of your plan. In most cases, you won't lose it within the 2 year contract time frame. It's of course all risk, but most likely you'll drop it a few times and need to fix it.

Check with your home owner's policy for cell phone coverage!

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.
Click to expand...
Click to collapse
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.

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