Looking to get some insurance for my Kaiser in the event of stolen/loss/accidental damage. Can anyone recommend any that is based in the UK based on there own experiences.
Cheers
gave up on insurance here. had it on my Imate Kjam and they wouldn't compensate me when I lost it. So cancelled it after I bought this.
I am with CUSC foneguard, they offer a new replacement if yours cannot be repaired. I found many of the companies google finds to be all the same, just differant websites all offering the same thing.
Check out CUSC and see if its any good for you, I found them to be quite helpful however they will want you to pay the full years cover due to the high cost of replacement.
Hi
Remember the only reason insurance companies offer insurance is overall they make money from it, so instead of them making a profit, be your own insurance company and profit instead
Either offer yourself free premiums, or charge yourself and put the money in savings account somewhere.
Do this with any domestic item you purchase by never buying an extended warranty or insurance plan, and you save far more than you will ever claim from yourself.
Regards
Phil
Related
I'm going to order the Kaiser online and unlocked but what does concern me with ordering online is the support for possible problems down the road.
Are there any specific sites I should look into ordering from based on their own offered warranties for products or would I be safe sticking with HTC's default warranty of I'm assuming 1 year standard coverage as long as I didn't drop it etc?
any ideas on how I could purchase an extended warranty if the site doesnt offer one? The Kaiser is very expensive, 875+ USD and it would be quite a shame to drop it and be out ALL of that cash.
evolution_theory said:
I'm going to order the Kaiser online and unlocked but what does concern me with ordering online is the support for possible problems down the road.
Are there any specific sites I should look into ordering from based on their own offered warranties for products or would I be safe sticking with HTC's default warranty of I'm assuming 1 year standard coverage as long as I didn't drop it etc?
any ideas on how I could purchase an extended warranty if the site doesnt offer one? The Kaiser is very expensive, 875+ USD and it would be quite a shame to drop it and be out ALL of that cash.
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Elite Electronix offers a 3 years warranty for 76.00. That's how I bought mine.
http://www.elite-electronix.com/product_info.php?products_id=1015
Thanks for the link!
The problem I see with this site is its around $25+ USD more expensive than other sites and for $75 extra they're offering to only extend the manufacturer's warranty. That's not bad but I'm wondering if anyone sells something that could cover a broken screen for example. The manufacturer's warranty only covers defects I believe? Correct me if I'm wrong please.
Have you checked with your household insurance? They may offer a generic package.
Gordon
I am heading to London next week, I will probably pick up my TYTN II there... Whats the warranty for the product after I return to the US? I want to buy it with my amex to extend the manufacturers warranty another year...
I just contacted safeware.com and purchased PDA insurance for my AT&T Tilt for $52.00/annually. They repair/replace the device up to $550.00. Since AT&T doesn't even offer you the option of insurance, it certainly is worth the $4.30/month for piece of mind.
Any Luck With This Insuance?
I was wondering if anyone has used this service and has had any luck with it?
I was able to get mine coverd for $650 under my house ins with a $0.00 deductable. It was about $45-55 per year... maybe check into that.
Safeware insurance...
Yaron2 said:
I just contacted safeware.com and purchased PDA insurance for my AT&T Tilt for $52.00/annually. They repair/replace the device up to $550.00. Since AT&T doesn't even offer you the option of insurance, it certainly is worth the $4.30/month for piece of mind.
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Hi!
I got insured for my TILT @ safeware for 79 USD for an year on $550. how could you get it soo cheap for 52 USD?
I will be speaking to them today about this..
thanks..
Raj
What about SquareTrade insurance? They send me an email with 35% off. Anyone with any experience with them?
- TKN
I've used SquareTrade, but not for a phone. Last week I just made a claim on my amp. They're giving me my money back, minus shipping charges. They seem pretty good and it was a seem less process.
legit or internet slander?
legit or internet slander? What do you guys know about this?
http://reviews.ebay.com/WHY-NOT-TO-...0003415423?ssPageName=BUYGD:CAT:-1:LISTINGS:4
Any other worthwhile providers besides Safeware?
Any other worthwhile providers besides Safeware?
Anyone???
So...anyone???
Safeware
Not sure if anyone else is using safeware but I decided to try them. Since I'm in NY they have a discounted rate for NY folks (surprising). It's $52.00/year with a $50.00 deductible. Not bad for piece of mind if I break it by accident. Worse case I'm out $102.00 for 1 replacement.
This "Insure the Tilt" begs the question: "Why?"
I've had the unfortunate experience of having three different people drop mine three times onto a tile floor in a hospital. Nothing broke. Still works too.
Had someone else broke it, would it have been covered by the policy and would I have been able to collect from them or the person who broke it? If not, just fork over another $300 and get another rather than pay $60 year for insurance.
I'm wagering I'll replace it with another within two years time anyway. So marches technology. Why again, pay $60 to be locked into what will soon be old technology?
Mack5305 said:
This "Insure the Tilt" begs the question: "Why?"
I've had the unfortunate experience of having three different people drop mine three times onto a tile floor in a hospital. Nothing broke. Still works too.
Had someone else broke it, would it have been covered by the policy and would I have been able to collect from them or the person who broke it? If not, just fork over another $300 and get another rather than pay $60 year for insurance.
I'm wagering I'll replace it with another within two years time anyway. So marches technology. Why again, pay $60 to be locked into what will soon be old technology?
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Can you currently buy this phone without a new contract for $300? Wouldn't we have to buy it at full price as a replacement?
FYI, my homeowners policy will not insure a phone if it is under $400. Since I got mine for <$200, it does not qualify. Also, my wife's iPhone missed it by $1
Mack5305 said:
This "Insure the Tilt" begs the question: "Why?"
I've had the unfortunate experience of having three different people drop mine three times onto a tile floor in a hospital. Nothing broke. Still works too.
Had someone else broke it, would it have been covered by the policy and would I have been able to collect from them or the person who broke it? If not, just fork over another $300 and get another rather than pay $60 year for insurance.
I'm wagering I'll replace it with another within two years time anyway. So marches technology. Why again, pay $60 to be locked into what will soon be old technology?
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You're not locked into anything... it's renewable each year. I purchase my phone for $300.00 from AT&T. Replacing the phone will cost $500.00 as you can't get the phone for $300.00, at least not from AT&T. The insurance also covers theft, accidental damage, cracked screen, etc. I rather pay the $52.00 for 1 year and have piece of mind if I do drop my phone or something falls on it/etc. I may not be lucky as you to drop it a number of times and nothing breaks. For me it's worth it at least for the 1st year. After that I'm sure the prices of the phone will drop so no need to renew.
I can buy the Tilt from ATT for $276 with no contract (using my business account @ 45% off).
Do these insurance companies just pay "cash" for the replacement or do they send out a new phone?
Unfortunately the average user doesn't have a business account. Would be nice though.
As for the replacement they send out a new phone. Most likely a refurb as HTC/AT&T does the same for in-warranty replacement.
I just got the ATT Tilt from ebay few days ago. I have not really used it yet. I am going to check with safeware about the insurance policy.
Thanks!
EDIT:
I just checked the safeware.com to get a quote. They did not have an option for "cell phone". I selected "laptop" with the coverage of $600. It turns out the annual cost is $69 with $100 deductible.
How did you get the coverage for your cell phone? by calling them? or do it online?
plchan said:
....
I just checked the safeware.com to get a quote. They did not have an option for "cell phone". I selected "laptop" with the coverage of $600. It turns out the annual cost is $69 with $100 deductible.
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So you effectively spend $169 per year for a replacement Tilt?
In a year, AT&T will probably sell them for $50 just to get people online with a data plan.
Remember when you had to pay for a Motorola Razr phone? Some places they're free now with a plan.
You have two companies for the Cell phone insurance.
http://www.wirelesssafeguard.com/ Which I bought my insurance through & http://www.safeware.com/ which I thought was a waste of money
Wireless Safe Gaurd
Pro - "ATG’s Safeguard Program helps you protect your wireless device against any type of damage, loss, and theft."
Con- $100 Deductable
Safeware
Pro - No Deductible
Con- read the below and also read the contract. What a useless contract, they don't cover any defects or break down from use, plus tons of other crap about environemental variables, basically it is only loss insurance or if you smash your phone, which you'd have to do if it stopped working to get it covered.
Thank you very much for the inquiry. A damp environment refers to the actual environment in which a unit is used in. For example, a unit is kept in a greenhouse which has higher than normal amount of humidity, and due to the constant exposure, internal parts begin to rust. A liquid spill however, is a single physical event which causes the unit not to function, which is not caused by the environment. The electrical breakdown refers to electrical components which stop working over time, whether it is caused by a faulty part or simply wear and tear. Similar to the other explanation, a power surge is a single physical event which damages the unit. A surge hits the unit and burns out components or parts. I hope that this helps explain the difference, but please do not hesitate to contact me if any further clarification is required.
Best Regards,
Quang Ha
Individual Sales Manager
Safeware The Insurance Agency Inc
1-800-800-1492 Ext 2184
[email protected]
-----Original Message-----
From: EDITED
Sent: Monday, December 03, 2007 1:46 PM
To: service
Subject: Question about service
I’ve reviewed the portable electronics agreement on your site; these appear to be contradictory based on interpretation.
Sources
http://www.safeware.com/policies/portable_electronics_policy.pdf
III B3 & B4
http://www.safeware.com/faq.php
#9
Accidental damage is defined as an unexpected and unintentional external event, resulting in physical damage to the insured equipment. Examples of accidental damage include, but are not limited to Drops, Falls, Collisions, and Liquid Spills.
http://www.safeware.com/index.php
Power Surge
Comments
A liquid spill(#9) could be considered a damp environment(B4)
The failure of an electronic device is a type of “electrical breakdown” (B3) and would be an unintended, hence an accident(#9). Power surge is also a type of electrical breakdown(B3).
Can you please clarify as to what is actually covered or not covered in the contract terms.
Thank you
galenmd said:
Can you currently buy this phone without a new contract for $300? Wouldn't we have to buy it at full price as a replacement?
FYI, my homeowners policy will not insure a phone if it is under $400. Since I got mine for <$200, it does not qualify. Also, my wife's iPhone missed it by $1
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Correct me if I'm wrong, but wouldn't it cost more than $400 to get a replacement from AT&T without a new contract if it were rendered inoperable ?
My homeowners covered mine at a recplacement cost of $600 and I'm paying $30/yr. I know that renter's insurance is cheap and will cover it and more.
stozmon said:
Correct me if I'm wrong, but wouldn't it cost more than $400 to get a replacement from AT&T without a new contract if it were rendered inoperable ?
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Yes. The replacement cost was irrelevant to them. Don't try to make sense of it.
Ok, so first hello to everyone! First time posters but I've been trolling around for a little bit, trying to get research on different phones offered by HTC and how they operate on each network, etc. and how customizable they are. Basically, I've concluded that the Tilt(Kaiser) is the one for me, graphics driver issue or not.
My only concern is that ATT does not offer a warranty for it, so what happens if I drop it in water, etc. Not saying that this is going to happen, but I always like to cover my bases. Does HTC offer an extended warranty, or any kind of protection at all? I don't want to end up paying 300 bucks and after a year or so get screwed because it is not working or something. I'm not really made of money, I mean, I can afford the phone, but not really buying another one, especially because you can't really (as far as I know) get a new one at the same price you'd pay for one with a new 2 year contract.
Anyway, sorry for the side track, and also if this was already answered, I hadn't seen it in my searches.
there was another thread regarding insurance issue...maybe theres info there for u
I would recommend you to check out Square trade. I am a veteran phone seller ( not really a pro ) and I always recommend my buyers with square trade. Their price is reasonable and their service is pretty much hassle free.
Beside that , since there is no warranty anyway, get the refurbished phone. Refurbished phone is checked twice , so the chance of defected item is low. With 2 years contract you can gat a Tilt for 150 bucks, which is a great deal compare with 450-550.
When I spoke to ATT last week, they told me by early june ALL phones (minus iphone of course..) will be insurable including the tilt...but the tilt and similar phones will have a higher deductable ($125ish if i remember right)
aberz said:
Beside that , since there is no warranty anyway, get the refurbished phone. .
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Warranty Exchanges
Wireless devices carry a one-year warranty from date of purchase. To make a warranty claim after the first 30 days from purchase, call 1-800-801-1101. Apple branded equipment is covered by Apple's one-year Limited Warranty; refer to apple.com for details
Hi all,
I am thinking about getting some insurance to cover my One, I was talking to a guy in a shop about his HOX the other day (I sold it to him) and he said that he dropped it in his kitchen sink and got it replaced through his insurance with 'Protect Your Bubble'.
Has anyone got any experience with them or used them before?
Any stories or feedback would be awesome!
Thanks,
T-L-H
I have not heard anything bad about them but speak to your home insurer because they may offer a cheaper deal for a small increase in your home premium.
Also, my bank (Natwest) give me free mobile insurance for having an Advantage Gold account. Lots of other benefits from having that account makes it a bargain (free car breakdown cover and travel insurance etc). Maybe your bank can help you.
+1 for getting a bank account which includes mobile insurance for a monthly fee. Works out to be really good especially if you use the other benefits that come with the account (travel insurance, breakdown cover etc).
I've not heard good things about them but them I suppose you never see the good reviews.
Reports of them making you jump through hoops to complete your claim then never paying out.
I used to use them, no problems but then I never had to use them (infact I've never needed to claim on insurance) but after swapping to my One they upped the premium so I decided to cancel and just put that money aside. If I ever drop/break/get my phone stolen I'll just used the money saved to buy a new one.
I imported a Sony Xperia Z3c from the UK to the States and am thinking about getting an outside warranty program incase something happens.
I don't think I'm going to want to ship it across the world incase something happens. I have heard that many of the insurance companies in the states won't cover an imported phones so I was hoping someone had any experience with this before.
I've been looking around and there are a ton of options it seems like. Anyone have an suggestions or good experience with preferably the best bang for the buck.
I do tend to break my electronics and considering I just spent 500 bucks outright would love to keep this for a while.
I'd be interested in this as well. Particularly from a company that doesn't care if the bootloader is unlocked or not.
Alex2x3 said:
I imported a Sony Xperia Z3c from the UK to the States and am thinking about getting an outside warranty program incase something happens.
I don't think I'm going to want to ship it across the world incase something happens. I have heard that many of the insurance companies in the states won't cover an imported phones so I was hoping someone had any experience with this before.
I've been looking around and there are a ton of options it seems like. Anyone have an suggestions or good experience with preferably the best bang for the buck.
I do tend to break my electronics and considering I just spent 500 bucks outright would love to keep this for a while.
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I'm buying a policy from Worth Ave Group. They don't deal in repairs/replacements; they simply send you a check for the value of your policy minus the $50 deductible. The only thing they don't cover is if you just lose the phone somewhere.
mattdm said:
I'm buying a policy from Worth Ave Group. They don't deal in repairs/replacements; they simply send you a check for the value of your policy minus the $50 deductible. The only thing they don't cover is if you just lose the phone somewhere.
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Hmm that is interesting. I will check them out. Do I just specify what the phone cost me?
Have you had any experience with them before?
Alex2x3 said:
Hmm that is interesting. I will check them out. Do I just specify what the phone cost me?
Have you had any experience with them before?
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No, you don't have to specify the cost of the phone. You just choose how much you want your policy to cover. I chose $599, so I can get new chargers/case/ect. in the event I smash my phone and want to replace it with something different.
I haven't had personal experience with them, but I've read a lot of reviews. It seems like most of the complaints people have are:
- Trying to file a claim for a stolen phone and getting rejected because they don't have enough evidence of theft. (making it simply lost, rather than stolen)
- The claim check taking 2 - 3 weeks to arrive.
Neither of those poses a problem for me.
Awesome that sounds great actually. Much better then getting a refurb especially if the Z3c doesn't come to the states.
Thanks for the heads up.
I was considering protect your bubble but think I will go with this instead.
Alex2x3 said:
Awesome that sounds great actually. Much better then getting a refurb especially if the Z3c doesn't come to the states.
Thanks for the heads up.
I was considering protect your bubble but think I will go with this instead.
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Yeah, me too. I was considering Protect your Bubble and SquareTrade, but I like the freedom of simply getting a check in the mail rather than dealing with repairs or refurbs.
mattdm said:
I'm buying a policy from Worth Ave Group. They don't deal in repairs/replacements; they simply send you a check for the value of your policy minus the $50 deductible. The only thing they don't cover is if you just lose the phone somewhere.
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Just checked them out, looks ok but they don't specify anything about software issues or if the phone has had its bootloader unlocked.
FSRBIKER said:
Just checked them out, looks ok but they don't specify anything about software issues or if the phone has had its bootloader unlocked.
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No they don't. But how will they know? I'd be surprised if they have access to Sony's diagnostic programs, and I don't think they really care. If you file a claim for a phone with broken glass, I don't think they'll even try to find out if the bootloader is unlocked or not.
mattdm said:
No they don't. But how will they know? I'd be surprised if they have access to Sony's diagnostic programs, and I don't think they really care. If you file a claim for a phone with broken glass, I don't think they'll even try to find out if the bootloader is unlocked or not.
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Hopefully not for something not software related, but they could get to the Fastboot screen and like on all other Android devices it will show its unlocked. I just hate to see them deny an insurance claim as their policy is not clear regarding unlocking or what software is on the phone. I personally think if you brick your phone because you were flashing stuff then warranties should be denied(except for physical defects, cracked screens, etc.) but if there is a software issue you are unlocked and currently running the stock software then all warranties should be honored.
mattdm said:
No, you don't have to specify the cost of the phone. You just choose how much you want your policy to cover. I chose $599, so I can get new chargers/case/ect. in the event I smash my phone and want to replace it with something different.
I haven't had personal experience with them, but I've read a lot of reviews. It seems like most of the complaints people have are:
- Trying to file a claim for a stolen phone and getting rejected because they don't have enough evidence of theft. (making it simply lost, rather than stolen)
- The claim check taking 2 - 3 weeks to arrive.
Neither of those poses a problem for me.
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It sounds good, too good, so I read their policy booklet.
Two things: they don't cover accessories, and they will not pay more than the phone is worth at the time of loss.
Also, they have 3 options for payout at their discretion: (1) full cost of repair, (2) replacement cost of a refurbished item, and (3) replacement cost of a new item.
The kicker is that it's at their discretion so it's totally up them to decide which option to exercise and I'm certain they will choose the least expensive.
As an example, let's say the screen cracks and it costs $200 to repair - they are going to pay out $200 for the repair less $50 deductible and send a check for $150. But you've already paid $65 for the premium, so the net payout is really $85.
cschmitt said:
It sounds good, too good, so I read their policy booklet.
Two things: they don't cover accessories, and they will not pay more than the phone is worth at the time of loss.
Also, they have 3 options for payout at their discretion: (1) full cost of repair, (2) replacement cost of a refurbished item, and (3) replacement cost of a new item.
The kicker is that it's at their discretion so it's totally up them to decide which option to exercise and I'm certain they will choose the least expensive.
As an example, let's say the screen cracks and it costs $200 to repair - they are going to pay out $200 for the repair less $50 deductible and send a check for $150. But you've already paid $65 for the premium, so the net payout is really $85.
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Sounds like you're looking at their iPhone policy. If you purchase a generic cell phone policy, you choose the amount covered.
mattdm said:
Sounds like you're looking at their iPhone policy. If you purchase a generic cell phone policy, you choose the amount covered.
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I was looking at the cell phone policy, the same policy booklet applies to both iPhone and generic cell phone policies:
Policy Booklet - Insurance Policy with Accidental Damage
It's correct that you choose the coverage amount for generic cell phones but irregardless of what amount you select they won't pay more than the replacement cost value -- page 3:
Insurable Interest: We do not cover more than your insurable interest in any property. Therefore, the limit of insurance must represent the replacement cost value of the property you are insuring.
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I'm pretty sure you can file claims with renter's/homeowner's insurance for phones (and other electronics)