Cell phone insurance

[jmsa540]

Let's talk about this real quick.

It frustrates me that I pay 8.99 a month for each line for two phones.

Then when I make a claim, I then have to pay a minimum $112 deductible and turn in my old phone just to get a new phone? (AT&T). And I can only have 2 claims within a 12 month period?

What is this garbage?

Why do I have to turn in a phone that I paid over $400 for 2 years ago (Note 5) just to pay 9 bucks a month for 2 years straight then pay $112 for the deductible just to get a dumb Samsung S6? Where's the logic in this? I know at the end of the day it was me that "clicked the button" and submitted the claim, but come on!

I saw a thread on here about two months ago about home/renters insurance and how that OP thinks that insurance is pretty much a scam; well, I agree with that guy.

 

[ZYBORG]

Hate to point it out man, but you signed the contract and agreed to the terms and conditions.

If you didnt like it, you didnt have to do it!

 

[Tylerc]

Most home insurances can put it on your policy as a rider. I have it on my home insurance for 15 dollars a year with no detectable and does not raise my house insurance if I file a claim.

 

[Hwy. Chile]

“Come on” what? Do you think companies have a duty to protect you from your own decision making?


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[IronSnake]

Honestly, it's why I struggle to ever buy anything but an apple product. Applecare is above and beyond all of the crap that you deal with at best buy or the carriers.

I had to send my practically new S6 off with the best buy insurance I had once and it took them 30 days to process it and just refund my money. Luckily I had an old phone to use in the meantime, but they gave zero shits that I would've been phoneless for a whole month.

I immediately bought an iPhone with the refund, bought apple care for the hundred bucks, and have been happy since. Used it once and it cost a 100 bucks for a new phone. Completely worth it.

 

[hoamskilet]

Thats why I roll the dice and don't pay for it. Always have my previous phone in my desk drawer in case I ever need it

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[cotchnobra]

Thats why I roll the dice and don't pay for it. Always have my previous phone in my desk drawer in case I ever need it

Sent from my SM-G920V using Tapatalk

This is what I do. by the time you use the insurance you have pretty much paid for a new phone. Phone insurance is a rip off.

 

[98 svt]

Hate to point it out man, but you signed the contract and agreed to the terms and conditions.

If you didnt like it, you didnt have to do it!

What he said.
The phone insurance is the biggest scam going.
I had it once, when I found out the deductible was $200 ( more than my phone was worth!) I promptly cancelled the service.
What a waste of $$$$

 

[AustinSN]

There are some insurance companies that automatically have cellphone coverage built into it. No deductible and it's not a chargeable loss for that specific company.

 

[jmsa540]

Name of companies?

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[AustinSN]

Name of companies?

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State Auto insurance is one of them I work with that offered it automatically if you were over 40. I've heard some others offer them but no names were given.

 

[rotor_powerd]

Applecare is great, I've had a phone overnighted to me twice with no deductable/charge/anything.

 

[jmsa540]

Thank you

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[Blown 89]

I pay for my phones outright and opt out of the insurance. I'm careful enough with my phones that I don't need it.

 

[BLOWN9646]

Pfff phone insurance..you're talkin to the SVTP ballers up in here

 

[jmsa540]

Makes sense...thanks guys.

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[Blk91stang]

Look into square trade. It's $99 for two years and covers everything except if you physically lose the phone. I believe the deductible is $50 too. I get it through Costco when I buy electronics through them but you can apply online for any new item also. I think it's the way to go for phone or TV insurance! Screw getting it through the providers (They didn't cover water damage the last time I tried to make a claim. Square Trade does cover that.)

 

[DSG2003Mach1]

Most home insurances can put it on your policy as a rider. I have it on my home insurance for 15 dollars a year with no detectable and does not raise my house insurance if I file a claim.

and suddenly this thread is interesting, thanks

 

[helloWorld]

You can also invest a little money into a phone case and/or screen protector.

 

[jmsa540]

I have a phone screen/case; otterbox defender.