Jump to content

Phone Insurance a rip off?


z250kid

Recommended Posts

And this is why I'm glad I'm not living in Kansas..

 

Yeah, right, it is not like the South is known for its obesity problem.  Go have your Publix fried chicken and sweet tea.

 

:P

 

AJ

  • Like 1
Link to comment
Share on other sites

Yeah, right, it is not like the South is known for its obesity problem.  Go have your Publix fried chicken and sweet tea.

 

:P

 

AJ

What a coincidence, I am having Publix fried chicken, Mac and cheese and sweet tea right now for lunch. Nothing wrong with a little Southern thickness.

  • Like 4
Link to comment
Share on other sites

What a coincidence, I am having Publix fried chicken, Mac and cheese and sweet tea right now for lunch. Nothing wrong with a little Southern thickness.

 

Or us folks in the Upper Plains, with our Northern overExposure.  :lol:

 

Robert

  • Like 3
Link to comment
Share on other sites

I received a letter saying the deductible for top tier phones will be 200 with a max of 3 in store fix/replacement after that will be a 25 or 35 fee don't remember correctly.

 

Sent from my LG-G2 using Tapatalk

 

Link to comment
Share on other sites

Really? I guess I should get an AMEX prepaid card.

 

Yeah, good luck with that American Express prepaid card.

 

 

AJ

Link to comment
Share on other sites

I have a broken USB on my EVO LTE and will just have a friend replace it. $150 is ridiculous. I was always a Nextel customer, so handsets were expensive. It was $35 until this phone (and less per month).

 

I went through two or three EVO 4Gs, three EVO 3Ds (though one came jacked up). Usually its a weak charging port. Wireless charging should help with that.

 

The only time I've ever had non-USB physical damage to a smartphone was when 1) my work GS3 flew out of the flimsy holster and smashed into a wrought iron railing and 2) when I dropped it a few days later. Since getting it into my normal Seidio Convert case, no problems (even with its weak screen). Those Seidio cases have been on all of my HTCs. I'll never posses a phone without one of those cases.

 

Sent from my EVO using Tapatalk

 

 

Link to comment
Share on other sites

Has no one heard of Worth Avenue Group?  Drop that TEP crap and get a College Plus coverage plan.  I pay 66.20 PER YEAR after finding a code on retailmenot and it covers all our phones - my phone, my wife's, my kid's, my TV's, dvd players, pc's, etc.  I believe it even covers clothing!

I've had my gs3 screen replaced and a tv covered.  $2000 PER CLAIM and only $25 deductible.

Check it out!

(I am not a paid person - I really tell everyone I know about this...)

Link to comment
Share on other sites

  • 2 months later...

I got a flier in the mail about the "free" coverage when paying for service with a Wells Fargo credit card just a couple weeks ago  - which is what I'm doing going forward.  Typically in the past I would take TEP for the first year on a new phone and then drop it once used price of the phone dropped to around $250.  Going forward I'm just going to stick with the "free" coverage.

Link to comment
Share on other sites

Hey people, this isn't just insurance. It also covers repair of your phones at authorized service centers. As in your usb or earphone port damage, cracked screen replacement at service centers if they can.

Link to comment
Share on other sites

:goodpost:

 

That is a great benefit.  I wonder how many people who have this coverage through Wells Fargo do not realize it and unnecessarily pay for insurance.

 

 

Robert

 

I definitely use my credit card benefits. Had to claim a Galaxy S3 on my Discover card the other day when its mainboard failed a year and a half after purchasing it.

 

Unfortunately, I only got back the $99+tax I paid for it with contract. Not having contract subsidies will definitely benefit people who don't take advantage of the new financing deals and buy their devices outright. When I finally get kicked off my EPRP plan, I'll definitely be buying every device outright to get the full extended warranty and accidental damage protection with the credit card companies.

  • Like 2
Link to comment
Share on other sites

You know, in relative terms, phone insurance is cheap compared to tablet insurance! That $13.00/mo for insurance on an iPad I'm paying $14.59/mo to own is hideous!

 

 

Sent from Josh's iPhone 5S using Tapatalk 2

Link to comment
Share on other sites

You know, in relative terms, phone insurance is cheap compared to tablet insurance! That $13.00/mo for insurance on an iPad I'm paying $14.59/mo to own is hideous!

 

 

Sent from Josh's iPhone 5S using Tapatalk 2

Applecare!

 

 

Sent from my iPhone 5s using Tapatalk

Link to comment
Share on other sites

  • 5 months later...

i remember when i was paying $4 a month and only $50 deductible. i took it off years ago because it's just not worth it unless you're real careless person with your gadgets..

 

fruad is pretty much the reason why it's outrageously expensive. i think out of the many years i had it, i only had to use it once. i bet there were tons of people getting new phones every month, so it only made sense that the price had to go up to make up for all the fruad going on.

Edited by scub
Link to comment
Share on other sites

  • 4 weeks later...

I went with the Well Fargo credit card plan as well, I applied for that card just for that reason, and my Sprint bill is the only thing I charge to it. 

 

One thing to consider, if my phone breaks, I need an immediate replacement, I can't go for days without a phone while it's sent off for repair. For this reason, I'll probably always keep my Nexus 5 as a "spare" phone so if my primary phone breaks and needs to be sent in for repair, I'm not without a phone while I wait. 

Link to comment
Share on other sites

I had a N5 replacement 4 days after I got it for my wife. She dropped it and cracked the screen. Paid the $100 and got a new phone the next day. Better than paying $400 for another phone.

David, what insurance do you have?
Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • large.unreadcontent.png.6ef00db54e758d06

  • gallery_1_23_9202.png

  • Posts

    • In the conference call they had two question on additional spectrum. One was the 800 spectrum. They are not certain what will happen, thus have not really put it into their plans either way (sale or no sale). They do have a reserve level. Nationwide 800Mhz is seen as great for new technologies which I presume is IOT or 5g slices.  T-Mobile did not bite on use of their c-band or DOD.  mmWave rapidly approaching deadlines not mentioned at all. FWA brushes on this as it deals with underutilized spectrum on a sector by sector basis.  They are willing to take more money to allow FWA to be mobile (think RV or camping). Unsure if this represents a higher priority, for example, FWA Mobile in RVs in Walmart parking lots working where mobile phones need all the capacity. In terms of FWA capacity, their offload strategy is fiber through joint ventures where T-Mobile does the marketing, sales, and customer support while the fiber company does the network planning and installation.  50%-50% financial split not being consolidated into their books. I think discussion of other spectrum would have diluted the fiber joint venture discussion. They do have a fund which one use is to purchase new spectrum. Sale of the 800Mhz would go into this. It should be noted that they continue to buy 2.5Ghz spectrum from schools etc to replace leases. They will have a conference this fall  to update their overall strategies. Other notes from the call are 75% of the phones on the network are 5g. About 85% of their sites have n41, n25, and n71, 90% 5g.  93% of traffic is on midband.  SA is also adding to their performance advantage, which they figure is still ahead of other carriers by two years. It took two weeks to put the auction 108 spectrum to use at their existing sites. Mention was also made that their site spacing was designed for midrange thus no gaps in n41 coverage, while competitors was designed for lowband thus toggles back and forth for n77 also with its shorter range.  
    • The manual network selection sounds like it isn't always scanning NR, hence Dish not showing up. Your easiest way to force Dish is going to be forcing the phone into NR-only mode (*#*#4636#*#* menu?), since rainbow sims don't support SA on T-Mobile.
    • "The company’s unique multi-layer approach to 5G, with dedicated standalone 5G deployed nationwide across 600MHz, 1.9GHz, and 2.5GHz delivers customers a consistently strong experience, with 85% of 5G traffic on sites with all three spectrum bands deployed." Meanwhile they are very close to a construction deadline in June for 850Mhz of mmWave in most of Ohio iirc. No reported sightings.
    • T-Mobile Delivers Industry-Leading Customer, Service Revenue and Profitability Growth in Q1 2024, and Raises 2024 Guidance https://www.t-mobile.com/news/business/t-mobile-q1-2024-earnings — — — — — I find it funny that when they talk about their spectrum layers they're saying n71, n25, and n41. They're completely avoiding talking about mmWave.
    • Was true in my market. Likely means a higher percentage of 5g phones in your market.
  • Recently Browsing

    • No registered users viewing this page.
×
×
  • Create New...