Jump to content

Phone Insurance a rip off?


z250kid

Recommended Posts

Case and Zagg is NOT all that... I have seen many many customers coming to the store and having dropped or scratched the phones. While GS4 has Gorilla Glass it can still break.

 

While the deductible might be a turn off because of how expensive it is you must remember that should you need to replace the phone and have no protection you will have to pay full price. On the GS4 is about $800 though this is definitely a exaggerated price.

 

I have dropped my Note 2 from 10 feet up with an Otterbox and it still cracked.

 

While I do work for a retailer I personally DO recommend it.

  • Like 1
Link to comment
Share on other sites

It's up to you. Car insurance can costs upwards of $300-400 a month for some people and the deductible can be up to another $500-1000. Insurance is all about weighing your risk vs. cost to achieve the most peace of mind for the least cost.

  • Like 3
Link to comment
Share on other sites

I had insurance on my iPhone but then cancelled it because I decided to get AppleCare instead. The one time 99 payment was more worth it than 11 a month and a 200 deductible compared to 79 dollar replacement phone or 49 dollar screen replacement. I would stick with the insurance tho since you have a gs4. They don't come with a protection plan do they?

Link to comment
Share on other sites

I purchased mine through Best Buy last spring.  It is a $10 per month, $0 deductible.  I have had 3 replacements.  The screen cracks very easily on the GS4.  Much more easily than on my GS2.  But I have paid Best Buy precisely $0 for any of the 3 replacements.  I just traded in my 3 cracked devices for 3 new (possibly refurbished, I don't know) ones.  It was a FAR better option than Sprint's insurance plan which was one more dollar per month and carried a hefty deductible.  

 

I do think that Best Buy's plans changed last August and that they may carry a deductible now and you are also now limited to a certain # of replacements from what I understand.   Of course to get their plan you would need to have purchased your device through Best Buy.

Link to comment
Share on other sites

I purchased mine through Best Buy last spring.  It is a $10 per month, $0 deductible.  I have had 3 replacements.  The screen cracks very easily on the GS4.  Much more easily than on my GS2.  But I have paid Best Buy precisely $0 for any of the 3 replacements.  I just traded in my 3 cracked devices for 3 new (possibly refurbished, I don't know) ones.  It was a FAR better option than Sprint's insurance plan which was one more dollar per month and carried a hefty deductible.  

 

I do think that Best Buy's plans changed last August and that they may carry a deductible now and you are also now limited to a certain # of replacements from what I understand.   Of course to get their plan you would need to have purchased your device through Best Buy.

 

Best Buy has $150 fee for damage not resulting from accident. So a cracked screen or water damage will result on this been charged. We used to have customers come in 3 or 4 times a year with damage to their phones. This definitely is not a money maker. This also aligned Best Buy with the rest of the market. 

 

Of the few advantages is that Best Buy does allow for a 1 time battery replacement and charger and a loaner phone is provided should the defective unit be unusable. Replacement of defective phones is limited to 3 instances in a 2 year period. Not to mention many locations. With some of the carriers you actually have to send a phone in and or wait for the replacement unit.

 

All phones at all retailers and carriers are refurb.

 

FULL DISCLOSURE: I am currently employed by Best Buy. The opinion herein is my own. They do not represent any endorsement of their services.

  • Like 1
Link to comment
Share on other sites

Best Buy has $150 fee for damage not resulting from accident. So a cracked screen or water damage will result on this been charged. We used to have customers come in 3 or 4 times a year with damage to their phones. This definitely is not a money maker. This also aligned Best Buy with the rest of the market. 

 

Of the few advantages is that Best Buy does allow for a 1 time battery replacement and charger and a loaner phone is provided should the defective unit be unusable. Replacement of defective phones is limited to 3 instances in a 2 year period. Not to mention many locations. With some of the carriers you actually have to send a phone in and or wait for the replacement unit.

 

All phones at all retailers and carriers are refurb.

 

FULL DISCLOSURE: I am currently employed by Best Buy. The opinion herein is my own. They do not represent any endorsement of their services.

That's what I figured - that they now charge a deductible.  I knew it had changed, just wasn't sure entirely how.  That said, I was grandfathered in, per the geek squad rep who last replaced my cracked phone.  But, like I said, that was my third replacement with no deductible.  I definitely see why they changed it.

 

As an aside, I did finally purchase a Samsung case for the GS4 upon my last replacement.  I haven't had an issue since.  Funny how that works, eh?  : o )

Link to comment
Share on other sites

That's what I figured - that they now charge a deductible.  I knew it had changed, just wasn't sure entirely how.  That said, I was grandfathered in, per the geek squad rep who last replaced my cracked phone.  But, like I said, that was my third replacement with no deductible.  I definitely see why they changed it.

 

As an aside, I did finally purchase a Samsung case for the GS4 upon my last replacement.  I haven't had an issue since.  Funny how that works, eh?  : o )

 

So you are the one to blame.... :ninja:

  • Like 3
Link to comment
Share on other sites

If it makes you feel any better, I had my evo 3d replaced six times in a year on the Sprint insurance. Four of them in the same month. Only had to pay for two of them though.

 

Sent from my HTCONE using Tapatalk

 

 

Link to comment
Share on other sites

Well I am glad I had it with my gs4. It covers sprint repair at a repair center. I went through 8 replacements. All would lose signal completely unless right by an airave or in store by the repeater. Some had no wifi issues, others sim card slots. I Blame the Company that provides the Refurbs. They finally put me into an HTC ONE to see if that fixed it...I just now hope I don't drop it because it is kinda slick. I think The insurance saved me , but now they also charge a fee at repair centers after 2 or 3 repairs I think

Link to comment
Share on other sites

I'm sure glad when I had insurance on my LG Viper and had 4 replacements on it. Phone after phone all overheating. I put insurance on my Nexus 5 in case anything goes wrong with it.

 

 

Sent from Josh's iPhone 5 using Tapatalk 2

Link to comment
Share on other sites

I'm sure glad when I had insurance on my LG Viper and had 4 replacements on it. Phone after phone all overheating. I put insurance on my Nexus 5 in case anything goes wrong with it.

 

 

Sent from Josh's iPhone 5 using Tapatalk 2

Did you ever post your thoughts regarding owning a good Android phone? I know you had bad experiences with entry level ones.

 

Sent from my LG-LS980 using Tapatalk

 

 

Link to comment
Share on other sites

Did you ever post your thoughts regarding owning a good Android phone? I know you had bad experiences with entry level ones.

 

Sent from my LG-LS980 using Tapatalk

No, I will soon though. I have all but ended my experiment early.

 

 

Sent from Josh's iPhone 5 using Tapatalk 2

Link to comment
Share on other sites

In regards to the insurance, one thing to consider is coverage.  Many plans do not include lost/stolen phones (only damaged). What a joke! The nice thing about Sprint/Assurion coverage is that anything and everything is covered.

Link to comment
Share on other sites

Yeah, I know. Haven't had the time, and school is starting soon, so I better get cracking on it.

 

Sent from my Nexus 5 using Tapatalk

 

 

Link to comment
Share on other sites

Yeah, I know. Haven't had the time, and school is starting soon, so I better get cracking on it.

 

Sent from my Nexus 5 using Tapatalk

Just giving you a hard time, buddy. School first. No hard feelings. :)

Link to comment
Share on other sites

Just giving you a hard time, buddy. School first. No hard feelings. :)

Crazy thing, schools been out since the 15th of December. It starts again on the 21st.

 

Sent from my Nexus 5 using Tapatalk

 

 

  • Like 1
Link to comment
Share on other sites

I use to always make sure that all my lines had insurance on them, but with the increase of tep as well as the deductible it is definitely better to not have insurance right now.  I think that in the long run it is definitely better to just self insure.  Over a two year period that's at least $414(11*24 for tep and a minimum of 150 deductible for a smartphone) with sprint and in my case having 3 lines thats a total of $1,242, this is just giving money away.  Now if you really and truly are rough/careless when it comes to phones then I suppose it may be worth it but for me its definitely not worth it anymore.

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

    • Good catch! I meant 115932/119932. Edited my original post I've noticed the same thing lately and have just assumed that they're skipping it now because they're finally able to deploy mmWave small cells.
    • At some point over the weekend, T-Mobile bumped the Omaha metro from 100+40 to 100+90 of n41! That's a pretty large increase from what we had just a few weeks ago when we were sitting at 80+40Mhz. Out of curiosity, tested a site on my way to work and pulled 1.4Gpbs. That's the fastest I've ever gotten on T-Mobile! For those that know Omaha, this was on Dodge street in Midtown so not exactly a quiet area!
    • Did you mean a different site? eNB ID 112039 has been around for years. Streetview even has it with C-band back in 2022 - https://www.google.com/maps/@40.7303042,-73.9610924,3a,24.1y,18.03h,109.66t/data=!3m8!1e1!3m6!1s2ossx06yU56AYOzREdcK-g!2e0!5s20220201T000000!6shttps:%2F%2Fstreetviewpixels-pa.googleapis.com%2Fv1%2Fthumbnail%3Fpanoid%3D2ossx06yU56AYOzREdcK-g%26cb_client%3Dmaps_sv.share%26w%3D900%26h%3D600%26yaw%3D18.027734930682684%26pitch%3D-19.664180274382204%26thumbfov%3D90!7i16384!8i8192?coh=205410&entry=ttu Meanwhile, Verizon's eNB 84484 in Fort Greene has been updated to include C-band and CBRS, but not mmWave. I've seen this a few times now on updated Verizon sites where it's just the CBRS antenna on its own, not in a shroud and without mmWave. Odd.
    • Drove out into the country today.  Dish stuck to my phone like glue. At least -120 rsrp. Likely only good for phone calls (should have tested.) It then switched to T-Mobile. Getting back on Dish was another issue. I am used to dragging out coverage so I expected a few miles, but had to drive at least 10 miles towards a Dish site. Airplane mode, which worked for Sprint, did nothing. Rebooting did nothing. Finally got it to change over about 2 miles from the site by manually setting the carrier to Dish then it had great reception. Sprint used to have a 15 minute timeout but I did not have the patience today.  Previously I did a speed test on Dish out in the country at the edge of Dish coverage. My speeds were 2g variety. Dish has really overclocked some of these sites. Seen rssp readings in the 50s. Would have called them boomer sites with Sprint but much  more common with Dish.  
  • Recently Browsing

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