So like most in this forum, I bought my Nexus 5 directly from the Google Play Store. I chose AT&T as my carrier. When I signed up for the account at the AT&T store, I got the phone insurance to cover me when I inevitably crack the screen or my 3 year old drops the phone into the bath tub. I asked them when I activated the phone if the AT&T insurance covered the phone for replacement even though I did not buy it from them. "Of course!" the salesperson said. Bought the phone at the end of October.
Sure enough, last night my buddy bumped the phone out of my hand, and it dropped about 4 feet to a stone floor face first. Cracked!!! It pained me to see my new phone with a full screen length crack, but I breathed a small sigh of relief knowing I had bought the insurance for just this circumstance. I called AT&T this morning to ask about the claim process and the customer service guy told me he was not sure it was covered because, "The Nexus 5 is not a phone we carry." He advised me to call Asurion Mobile, the AT&T insurance carrier and ask them. When I called Asurion, they confirmed what the AT&T guy said. AT&T does not carry the Nexus 5 and therefore cannot replace one as part of a claim. Instead they said that they would replace the phone with "an equivalent".
I know others probably like those other carriers, but AT&T in Baltimore really does offer way better coverage than those others, even Verizon. Because of this, I would like to stay with AT&T.
I did not talk with Asurion any further, but this presents those of us who bought the phone unlocked and out of contract precisely to avoid the carrier capture relationship with a conundrum on AT&T. The insurance will cover you having a phone on AT&T, just not the one that we all really want. Interestingly T-Mobile and Sprint DO carry the Nexus 5. Am curious if anyone on those carriers has made an insurance claim and they gave you another Nexus 5? And further, if they did, was it unlocked or locked?
Reading another forum, I noted that my credit card my offer purchase protection given that I am (barely) still inside of 90 days. Will be investigating that possibility next.
Phone insurance is really a scam for such a low priced phone as the N5. Self insure and save the $$$
digiblur said:
Phone insurance is really a scam for such a low priced phone as the N5. Self insure and save the $$$
Click to expand...
Click to collapse
The $150 deductible for Asurion is ridiculous anyway. We just bought a pair of Nexus 5's from T-Mobile, but are holding off on insurance for now. I see Square Trade has insurance for $8 a month, with a $75 deductible -- my wife is a bit careless with the drops, so I was considering them for her phone.
Curious as to what they consider an equivalent. Possibly they replace the phone then you sell it to buy yourself another N5.
Sent from my Nexus 5 using Tapatalk
does any company do this? i dont get why the OP thought this would work. i get it that the customer service guy gave him the wrong information, but why did the OP expect this enough to even ask them in the first place?
@charmcitybryan - since ATT doesn't carry the Nexus 5, it makes sense that they can't replace your phone with the same one. You could do what @sprof suggested - and get the replacement they offer, and sell it and buy a N5 then.
Depending on when you bought your phone, and whether you used a credit card with accident protection, you may be covered by your credit card (check with your credit card if you used a credit card for the purchase)
If a carrier did somehow replace the N5, it will be unlocked (even if they somehow figured out a way to lock it - which they won't, unlocking it is as easy as flashing the stock image from Google).
dfin13 said:
The $150 deductible for Asurion is ridiculous anyway. We just bought a pair of Nexus 5's from T-Mobile, but are holding off on insurance for now. I see Square Trade has insurance for $8 a month, with a $75 deductible -- my wife is a bit careless with the drops, so I was considering them for her phone.
Click to expand...
Click to collapse
Well...that $8 a month might not sound like a month, but consider this...
Let's say she has the phone for a year. Month 12, she breaks it. Boom, in theory you pay $75 and you get a new phone. You can't ignore the $96 you've also already paid. And then you have the situation of having the insurance, but for some reason they don't decide to honor the claim. (let's ignore that for the sake of argument though)
Even if you break it on month 1, you're paying $83.
Assuming you have the 32G version...does the ratio of that $83 vs. the replacement cost of the phone REALLY make mathematical sense to you factoring in the odds of her breaking the phone?
It almost never does. Just saying!
Also...here's the best part....Take the price of this phone, and compare it to the price of other comparable phones. It's seriously about half as much as them, if you are considering the TRUE cost, ie: no contract price.
Take that extra $350 or so and save it. If you get your phone stolen or you throw it at someone in a fit of drunken rage...you can buy a new phone.
If that doesn't happen...You still have that $350!
Went from a Note 3 returned it to buy Nexus 5, cancelled my insurance because I knew AT&T would not carry it. Call Google get an RMA they should be able to replace it since we have a 1yr warranty.
Knight-Rider said:
Went from a Note 3 returned it to buy Nexus 5, cancelled my insurance because I knew AT&T would not carry it. Call Google get an RMA they should be able to replace it since we have a 1yr warranty.
Click to expand...
Click to collapse
Umm warranty doesn't cover smashed screens
shotta35 said:
Umm warranty doesn't cover smashed screens
Click to expand...
Click to collapse
Oh ok wasn't aware that Google didn't cover smashed screens good to know lol.
I'm shocked they even offered to replace it with an equal valued device. Not to sound hard to the op but I figured it would go without saying that a device not sold by Att wouldn't be covered through their insurance. Take the replacement and sell it for another n5.
Sent from my Nexus 5 using XDA Premium 4 mobile app
The nexus 5 is so easy to service yourself that it doesn't really need insurance.
Sent from my Nexus 5 using Tapatalk
I would be happy. Take what they give you, assuming its another high end phone, and sell it.
I'm just curious what equal value phone the OP will get. Nothing is really equal when it comes to specs with that price. Moto x costs more but lower in specs. I just hope that OP will get something that's equal in specs not in costs.
Sent from my Nexus 5 using xda app-developers app
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
Sent from my Nexus 5 using Tapatalk
FuMMoD said:
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
Sent from my Nexus 5 using Tapatalk
Click to expand...
Click to collapse
Only if it's unlocked like the nexus 5 would that be acceptable to me.
Sent from my Nexus 5 using Tapatalk
i always have had insurance on all my phones.. im with sprint.. i ended up sellimg my gs4.. and got the N5 from the play store.. when i tried to get insurance on my N5 they said i cant bec ause i got my N5 from the play store.. sprint dont carry the 32 gig.. so now i have no insurence which sux.. but it is what it is
Update on OP
FuMMoD said:
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
Sent from my Nexus 5 using Tapatalk
Click to expand...
Click to collapse
This is exactly why I love these forums! Great idea on getting the replacement and then selling to get another N5. Will definitely now start a claim to see what equivalent phone they will provide. Like another post said, I hope they provide equivalent specs, not equivalent cost given what a great value our phone is.
On the posts questioning why I thought AT&T would replace the phone in the first place, it's a fair question. I honestly have never used phone insurance before. My first mistake was believing the salesperson. Bummer, but that's life. I knew at the time that AT&T did not carry the phone, but was guessing the business model of the insurance would be as fine with providing cash so I could just get a replacement as they would providing a replacement phone. Always read the fine print and all that I guess. Another good option is just sending the phone in to LG for a screen replacement. I have read in other threads that may actually cost less than the deductible to replace the whole thing.
On the economics of cell phone insurance vs. self insuring given the cost, I found this article on Lifehacker that does a nice summary of the plans that are out there. Do a quick google search for it.
I think the argument that the high cost does not justify the benefit is particularly interesting now that many of us have the phone out of 2 year contracts and paid a low price for a great product. Aren't we all likely to jump at the next Nexus that comes out in a year? If so, as time approaches the next release, the value of replacing the phone we have goes down significantly.
In fact, given this, it would seem only to make sense to get phone insurance (if one wanted it) that provides a cash payout of the purchase price of the phone. Because the price of our phone is less, the premium would be lower and possibly a better cost benefit equation.
Equivalent phone to me would be a 5", snapdragon 800, 1080p display, lte and unlocked.
Sent from my Nexus 5 using Tapatalk
FuMMoD said:
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
Sent from my Nexus 5 using Tapatalk
Click to expand...
Click to collapse
i gotta agree here
Related
I'm starting this thread to discuss insurance possibilities to protect our beloved devices. Since there have been MANY reports of cracked screens due to the universal screen lift issue I figured it would be a good idea.
Im considering ZaggSafe
Sent from my MB855 using Tapatalk 2
Best insurance is a replacement policy! Used squaretrade for mine. Even if I drop it and it breaks I get a new tablet. Costed like 60 I think.
Sent from my Nexus 7 using xda app-developers app
xopher.hunter said:
I'm starting this thread to discuss insurance possibilities to protect our beloved devices. Since there have been MANY reports of cracked screens due to the universal screen lift issue I figured it would be a good idea.
Im considering ZaggSafe
Sent from my MB855 using Tapatalk 2
Click to expand...
Click to collapse
Really? Dude its a low budget tablet. Its about a weeks pay if you work at McDonalds.
Sent from my SPH-L710 using xda premium
shook187 said:
Really? Dude its a low budget tablet. Its about a weeks pay if you work at McDonalds.
Sent from my SPH-L710 using xda premium
Click to expand...
Click to collapse
Lol
Sent from my MB855 using Tapatalk 2
I got the squaretrade warranty when it was discounted to $39. While I don't work for McDonald's (actually I did when I was a kid at $1.90hr way back when), it is still $250 and paying $39 to replace it regardless of what the reason is, it worth it to me.
Note that it is also transferable...if I see the device in a year to move up to something new, I can pass the warranty on to the new owner... adds value to the device for the new owner to ensure that if it craps out, they aren't out their money for a used device.
Personally, I think those warranties are not worth it. Then again, I've never dropped a tablet, laptop or even a phone before. (Knock on wood..err...Asus plastic)
Perhaps I'll change my mind now that I have a toddler running around, but 16-25% of the cost of the product isn't worth it to me, especially when all but accidental should be covered under manufacturer warranty anyway... and I get coverage through my credit card that doubles the manufacturer warranty.
Sent from my Nexus 7 using Tapatalk 2
ExploreMN said:
Personally, I think those warranties are not worth it. Then again, I've never dropped a tablet, laptop or even a phone before. (Knock on wood..err...Asus plastic)
Perhaps I'll change my mind now that I have a toddler running around, but 16-25% of the cost of the product isn't worth it to me, especially when all but accidental should be covered under manufacturer warranty anyway... and I get coverage through my credit card that doubles the manufacturer warranty.
Sent from my Nexus 7 using Tapatalk 2
Click to expand...
Click to collapse
Although I understand where you are coming from $39 to get my tablet replaced for anything stupid that I might do sounds like a great deal to me. I like you and have never dropped any phone, tablet, or laptop I have ever owned but the fact that if I do for any reason (Or my girlfriend, friends, parents, etc) happen to I get a new one no questions asked.
Sent from my Nexus 7 using Tapatalk 2
shook187 said:
Really? Dude its a low budget tablet. Its about a weeks pay if you work at McDonalds.
Sent from my SPH-L710 using xda premium
Click to expand...
Click to collapse
Under absolutely no circumstances does a low budget tablet justify a significant drop in quality control. Period. Done. Over. Fact.
To all Nexus 7 owners: I love my Nexus 7 like you cannot imagine. I would still recommend it to users. But I would absolutely have insurance on it. In fact I'm not sure I could recommend it without immediately recommending insurance for it in the same sentence... which really doesn't give credibility to how I feel about its build quality, but it is what it is. I was offered insurance and denied it. Two weeks later the screen cracked at some point when I was walking to my car, yet I never dropped it.
Does Squaretrade cover water damage?
Krunk_Kracker said:
Does Squaretrade cover water damage?
Click to expand...
Click to collapse
Yes it does, as long as you get the accidental policy.
The only thing it doesn't cover is lost or stolen devices.
graffixnyc said:
Yes it does, as long as you get the accidental policy.
The only thing it doesn't cover is lost or stolen devices.
Click to expand...
Click to collapse
Thanks for your reply.
Looks like I'm getting the coverage for $60.
I'm curious if you guys can clue me in on a little something about SquareTrade. I thought I read SOMEWHERE on the SquareTrade web site that this is only good for devices you've purchased within the last 30 days. Luckily I'm on day 28 (imagine that?) but I'm grabbing one right now. I do have to +1 ASUS, they claimed to have repaired my cracked screen and it's on a Fedex truck coming back to me now, but even still I want to grab a warranty to have handy in the event something does happen down the line.
That being said, I cannot find the 30 day thing any longer on the SquareTrade web site, but I did see a screenshot of a July deal where the warranties were on sale for like 15 bucks off the regular price, and right below I saw "only applicable to items bought in the last 30 days." Is the 30 day thing just applicable when you're buying an on-sale warranty?
Also, I put in 249 for the warranty and it came out to 50 bucks. But then I got to thinking, should I be rounding up? I re-did the quote for 250 and it jacked the price up 10 bucks. Does it matter? Should I be using 249 since that's the appropriate shelf price of the N7?
i bought mine with amex platinum and i think they double the warranty and offer replacenent, not sure how it works
i got reimbursed for dropping my macbook pro in the hot tub last time so i know they dont mess around
Sent from my Nexus 7 using xda app-developers app
I just called SquareTrade. Their system works like this. With ebay purchased items, you have 30 days to get a warranty through SquareTrade. With retail purchased items (Best Buy, WalMart, Costco, any cellular store like Sprint, etc) you have 90 days.
So with me on day 28 having bought it at WalMart, I'm clear within the 90 day window to purchase the warranty. The only problem is with retail warranties I need to provide the receipt. I KNEW I had the receipt in the box, but the problem is I sent my N7 to ASUS for RMA. Even though it's getting fixed, I'd much rather not go through this fiasco again in the event it happens again, hence my interest in SquareTrade. I know I have the receipt somewhere, but I'm not sure where...
I wonder if WalMart will reprint me a receipt based on previous records??
Did anyone buy the Staples insurance?
Sent from Galaxy SIII
I purchase all my electronics with my Amex. So I'm covered.
Sent from my Nexus 7 using Tapatalk 2
$50 insurance for a $200 or even $250 tablet seems a bit excessive to me. Plus, there's a chance that, by the time it does break, the price would have been discounted or there'd be a newer tablet out anyway.
Everyone is different. For most people the warranty is excessive. I got it anyway. Fact is I can afford to buy a 40 warranty, but I can't afford another 250 bucks. If you can afford another 250 bucks, and your usually good with your electronics and don't have them around small children, it probably isn't worth it. But for me, the peace of mind is worth it.
Another big reason for buying it was the problems with the Nexus. I exchanged mine 3 times. The one I have now is good, but it's nice to know if something goes wrong I don't have to necessarily deal with Asus if I don't have to.
By the way, is it true that if you bought through the google store you can replace it through them for a year for warranty exchange, instead of Asus? Or was that just a rumor?
Sent from my Nexus 7 using xda app-developers app
---------- Post added at 01:26 PM ---------- Previous post was at 01:24 PM ----------
By the way, those of you who do plan on getting square trade, if you have 90 days take your time and try to find a coupon code or sale. I mistakenly thought it was only 30 days and rushed and bought mine with only 5 dollars off, whereas if I had waited a week they started that sale again for 10 dollars off the Nexus warranty. Which I was told I missed out on. Pisses me off, I should have called them and demanded the adjusted price....
Sent from my Nexus 7 using xda app-developers app
Personally I think the warranty is worth it. It'd be one thing if the warranty was 50% of the cost of the tablet, but no matter how you slice it, 50 bucks is significantly easier to eat than 250. Period. If I had gobs of money sitting around where I know I'll always be in a situation where I can drop 250 on a new tablet without flinching, yeah I'd pass on it. But I'm not in that scenario, so 50 bucks to help future proof myself for another 2 years is a huge :good: to me personally.
A tablet is a device that you'll likely be carrying a lot. It's a mobile device. It's not something that will frequently be in a backpack like my laptop, or in my pocket like a cell phone. To be quite honest, I think warranties on a tablet make more sense than anything else... with cell phones close behind, of course. Just my 2 cents though. I didn't purchase a SquareTrade warranty yet as I don't have my receipt since I bought other things that day at Wal-Mart and had to send in the receipt for a rebate on another item. Wal-Mart informed me they looked in their records and can pull up my old receipt for a re-print so I should be okay.
I don't really think the build quality of the Nexus 7 is something that scares me to the point of needing the warranty. If you Google search for iPad screen cracks and sift through the users who say they did nothing to cause the crack, you'll see just as many complaints with similar scenarios. I think it's important to acknowledge that tablets as a whole just might be more suseptible to accidental drops and whatnot. Based on that premise alone is why I'm getting the warranty.
thebobp said:
$50 insurance for a $200 or even $250 tablet seems a bit excessive to me. Plus, there's a chance that, by the time it does break, the price would have been discounted or there'd be a newer tablet out anyway.
Click to expand...
Click to collapse
Seriously, that's an insane amount. My homeowners insurance is only $600 for the year, and that covers a $250K home. What a racket. Spend money on a one year insurance policy, for an item that already has a one year manufacture warranty is just insane.
I generally don't get insurance for my nexus devices because of the low cost, however this year is different and was wondering what peoples thoughts on insurance and possible recommendations are?
Alaris said:
I generally don't get insurance for my nexus devices because of the low cost, however this year is different and was wondering what peoples thoughts on insurance and possible recommendations are?
Click to expand...
Click to collapse
I have been using Square Trade for 3-4 years and have been very happy. Always cheaper and copay is less than what carriers offer. Only downside is you have to send them the phone for repair. They promise 24 hour turnaround or resolution. Meaning , with shipping it usually takes 5-7 days to get phone back, so you have to have an old phone to activate in the interim.
First time I used it was on my wife's week old Evo 3D she dropped and cracked the screen. The phone had just been released, so they couldn't get the repair parts needed and dropped the full off contract price of the phone (if I remember it was either $599 or $699) into my Paypal account the day after calling to tell me they couldn't fix it. They are easy to deal with and highly rated by Consumer Reports. I will have it on my Nexus 6 the day I get it. They will also refund the unused portion of my current warranty that I have on my Nexus 5.
beefydoc said:
I have been using Square Trade for 3-4 years and have been very happy. Always cheaper and copay is less than what carriers offer. Only downside is you have to send them the phone for repair. They promise 24 hour turnaround or resolution. Meaning , with shipping it usually takes 5-7 days to get phone back, so you have to have an old phone to activate in the interim.
First time I used it was on my wife's week old Evo 3D she dropped and cracked the screen. The phone had just been released, so they couldn't get the repair parts needed and dropped the full off contract price of the phone (if I remember it was either $599 or $699) into my Paypal account the day after calling to tell me they couldn't fix it. They are easy to deal with and highly rated by Consumer Reports. I will have it on my Nexus 6 the day I get it. They will also refund the unused portion of my current warranty that I have on my Nexus 5.
Click to expand...
Click to collapse
About how much does it cost to insure a phone through them?
I usually use the extended care plan from the manufacturer when available. I have AppleCare+ on my iPhone 6 (and all my iPhones prior), and Moto Care on my Moto X, and on my soon to be delivered 2014 Moto X as well. Since Motorola is making the Nexus, they might offer their Moto Care plan for it and if they do, I'd recommend that in a heartbeat. For the Moto X it was $85 up front and $35 deductible, and they do advanced replacements. I'm about to pay the $35 and replace my 2013 Moto X just to keep one that's brand new in the museum. For $35 why not?
Buy it with a credit card. Free cash back, one extra year of insurance, and price protection if it drops the price within 3 months.
I'm prob going with squaretrade unless google or moto has insurance for it
Alaris said:
About how much does it cost to insure a phone through them?
Click to expand...
Click to collapse
Price is $99.00 for two years coverage. Includes accidental breakage, water damage, about anything except lost or stolen. It is subject to a $75 deductible.
I am curious about insurance as well.
How does SquareTrade stack up to Motorola's Protection Plan? At Motorola's site, the Moto X 2 year coverage is $85 with a $39 deductible.
https://motorola-global-portal.cust...detail/a_id/101900?g_id=3813&session=jvnZLr5m
I wonder if I have to buy the phone from motorola in order to get their insurance.
joshua.justice said:
I wonder if I have to buy the phone from motorola in order to get their insurance.
Click to expand...
Click to collapse
Yea same here. I'm getting it from the play store so I don't know if Google will offer any protection plan.
Sent from my HTC6500LVW using Tapatalk
selayan said:
Yea same here. I'm getting it from the play store so I don't know if Google will offer any protection plan.
Sent from my HTC6500LVW using Tapatalk
Click to expand...
Click to collapse
Google only has the automatic one year warranty against defects that comes when you buy the device from them, which is great BTW. They don't offer any sort of supplemental insurance for accidental damage. You'd have to go through a company like Square Trade for something like that. Or Motorola, if they allow you to insure devices that weren't directly purchased from their website.
charesa39 said:
Google only has the automatic one year warranty against defects that comes when you buy the device from them, which is great BTW. They don't offer any sort of supplemental insurance for accidental damage. You'd have to go through a company like Square Trade for something like that. Or Motorola, if they allow you to insure devices that weren't directly purchased from their website.
Click to expand...
Click to collapse
As of now, Motorola will only insure a Nexus 6 purchased through Motorola.
Anybody know how many times square trade will fix or replace a device during those 2 years?
Is square trade cheaper? I'm going to go with Motorola because they do advanced rma.
Sent from my HTC6500LVW using Tapatalk
Didn't carry any on my iPhone 4s but I had nothing but problems with the 'certified' refurbs Verizon's Asurion service sent me back when I had problems with my Droid 1.
Read about Worth Ave Group... Seems promising.
So what's the general opinion on insurance? Is there a third party insurance that works well?
The.Jericho.Initiative said:
Didn't carry any on my iPhone 4s but I had nothing but problems with the 'certified' refurbs Verizon's Asurion service sent me back when I had problems with my Droid 1.
Read about Worth Ave Group... Seems promising.
So what's the general opinion on insurance? Is there a third party insurance that works well?
Click to expand...
Click to collapse
I have had good luck with Squaretrade in the past. They are a lot cheaper than Verizon insurance and provide the same coverage for accidental damage.
The.Jericho.Initiative said:
Didn't carry any on my iPhone 4s but I had nothing but problems with the 'certified' refurbs Verizon's Asurion service sent me back when I had problems with my Droid 1.
Read about Worth Ave Group... Seems promising.
So what's the general opinion on insurance? Is there a third party insurance that works well?
Click to expand...
Click to collapse
I'd go with SquareTrade you have two options to pay monthly or yearly at least that's how it was 2 years ago. With SquareTrade though you pay either a $50 or $100 deposit and take it to a local repair place and no matter the cost squaretrade will cover it.
The only thing I don't know is if they cover lost or stolen devices but come on its 2015 if you lose your phone your better off with a straight talk phone
Sent from my SAMSUNG-SM-G925A using XDA Free mobile app
The.Jericho.Initiative said:
Didn't carry any on my iPhone 4s but I had nothing but problems with the 'certified' refurbs Verizon's Asurion service sent me back when I had problems with my Droid 1.
Read about Worth Ave Group... Seems promising.
So what's the general opinion on insurance? Is there a third party insurance that works well?
Click to expand...
Click to collapse
asurion insurance replaces the phone with a Brand New Phone. Not sure how much it costs, i believe $9 a month. But you have to pay a deductible of $100.
lucky_strike33 said:
asurion insurance replaces the phone with a Brand New Phone. Not sure how much it costs, i believe $9 a month. But you have to pay a deductible of $100.
Click to expand...
Click to collapse
I had 2 claims in the past with Asurion, in both cases I received a "refurb" phone......
lucky_strike33 said:
asurion insurance replaces the phone with a Brand New Phone. Not sure how much it costs, i believe $9 a month. But you have to pay a deductible of $100.
Click to expand...
Click to collapse
No they do not. I have had 6 claims over the last 13 years with Verizon and ALL were refurbs. It says this clearly on the website and your Iinsurance documentation.
galaxyfaraway said:
No they do not. I have had 6 claims over the last 13 years with Verizon and ALL were refurbs. It says this clearly on the website and your Iinsurance documentation.
Click to expand...
Click to collapse
I have gotten a droid dna and HTC one m8 all new in the box from assurion
Sent from my SM-G925V using XDA Premium HD app
lucky_strike33 said:
I have gotten a droid dna and HTC one m8 all new in the box from assurion
Sent from my SM-G925V using XDA Premium HD app
Click to expand...
Click to collapse
You sure they aren't refurb? You know it doesn't say anything on the box right? Maybe it if was a new release they didn't have any refurbished but I've never gotten a new phone nor have I ever seen anyone. Your lucky
I have had two claims with Asurion...I believe both were refurbs but they looked and functioned as good as new...you basically couldn't tell the difference. But they do not cost any more than the other guys out there and they do provide for lost or STOLEN phones whereas I do not thin the others do at all. Your choice. But for what these new phones cost, and the fact that I cannot live without it for even a day...insurance is a must for me!
The way Asurion works is that, if available, you get a Certifiled Like New replacement. If there's none currently available, they will replace it with a new device instead (for example at the very beginning of a phone release, it's not like the mfr makes a batch of refurb phones for insurance company replacements). In the event that there are neither available, then you get additional options. A limited list of comparable replacement devices, basically. Or, there may be case by case instances where you'll get an upgrade for reduced or no cost. Obviously a lot less common, and we did have people all the time would get a phone, decide they didn't like it, and try to push for a different device under replacement. Unless you have repeated troubles with the same device in a short time, they generally aren't going to switch a model out.
+1 on squaretrade...I also have them for large appliances and they've been awesome!
So no one has used Worth Ave. Group? I'll look into squaretrade but the last time I had insurance, I ended up using it. I had a pristine condition Droid that developed an issue with the screen and I filed my claim. I went through (4) 'certified' refurbs for one failure after another and ended up switching to iPhone after it was all said and done. My first phone was great, the rest were a constant problem. I've read up and down votes for Worth Ave but not in an environment like here so who knows what they're worth. But primarily I like the idea of avoiding dealing with any more refurbished devices.
And I know, your mileage may vary... My experiences could be unique to the model I was using but from what I do remember, it was an infuriating process. I definitely appreciate all the opinions thus far!
I have Verizon's Asurion and they not only sent me a brand new phone, it was the newer version (Moto X to Moto X 2014) I will be sticking with them for my S6 Edge purchase this weekend...
have Asurion and just spent $200 cause of a cracked screen and that will be the end of that although i did get a new unit but only because it was so new anyway.
for $129 one time payment and up to 3 uses in 2 years coverage you can get Sammy's Protection with a $95 deductible versus Asurions $200 so i am cancelling Asurion and going with that one.
I purchased the Note 8 for TMO from Samsung direct. I've never purchased insurance before because the deductibles were so high, but I've never owned a phone this expensive before either. I can get TMO, Samsung or Geek Squad coverage and I am wondering about the pro's and cons of the offerings.
Any suggestions would be appreciated.
I just did squaretrade. I like it that it's a one time pay vs a monthly, I can use it for future phones, deductible is $99 and I can use it 3 times per plan. I rarely keep a phone for more then a year so works for me.
I used worth ave group. It was around $80 a year. Deductible is $50.
I used it twice to fix my wife's broken iPhone screen. Did not have any issues.
Sent from my SM-N950U1 using Tapatalk
Mr. Toad said:
I used worth ave group. It was around $80 a year. Deductible is $50.
I used it twice to fix my wife's broken iPhone screen. Did not have any issues.
Click to expand...
Click to collapse
Question, the most I can choose is $899. The phone is more expensive than that.
Square trade for my note 8 tmobile 104 for 2 years and 99 deductible have been using them for about 7 years and never had a problem with them
fireguy0306 said:
Question, the most I can choose is $899. The phone is more expensive than that.
Click to expand...
Click to collapse
I choose that amount. I figured if the phone was a total lose I would eat the other $50. I mainly have it incase I crack the screen.
Sent from my SM-N950U1 using Tapatalk
Worth ave...
Thanks for the tip. Will check them out.
Was thinking about Samsungs premum care insurance ..
I just looked at the Squaretrade and it does not cover loss/theft. Also, it's unclear what happens if you crack the screen or the back and they don't have replacement parts. I seriously doubt they have replacement screens for N8 at this point. Will they cover buying a new device?
advocate2 said:
I purchased the Note 8 for TMO from Samsung direct. I've never purchased insurance before because the deductibles were so high, but I've never owned a phone this expensive before either. I can get TMO, Samsung or Geek Squad coverage and I am wondering about the pro's and cons of the offerings.
Any suggestions would be appreciated.
Click to expand...
Click to collapse
For the first time ever I accepted the sales outlets insurance. 12.00€ per month. All risks so I am told BUT I have every confidence should I need to make a claim there will be the normal insurance situations?
As you wrote this is an expensive mobile device that is large and could be dropped. I think insurance is worth it in this case.
I suggest you enquire at the outlet you made your purchase. Failing that what about approaching the same company who insures your home or car or whatever? The only other thing I would mention is there is no such thing as cheap, good, insurance. Use a reputable company. Let us know what you find. :highfive:
Ryland.
odesskiy said:
I just looked at the Squaretrade and it does not cover loss/theft. Also, it's unclear what happens if you crack the screen or the back and they don't have replacement parts. I seriously doubt they have replacement screens for N8 at this point. Will they cover buying a new device?
Click to expand...
Click to collapse
It does not cover theft. Honestly the phone never leaves my side and if I get it stolen from me its fairly useless to anybody.
Squaretrade is the best bang for your buck.
Look for 20 to 30 percent off coupons.
Bump for more opinions.
Thanks for the input. I ended up choosing Squaretrade. It cost $159 for three years of coverage which covers the N8 and a new phone when I buy it. They are having a special right now. The deductible is $99. I've never lost a phone, so I decided damage protection is all I really need.
Variables...
Depends on your usage and how often you switch phones.
I'm on this two jump thingy. All i need is a year of phone coverage. With the wort have group, that 1 year is like 80 bux i think? I dont plan to use it because i am not clumsy like some people.
But if you plan to keep this device longer than a year, then square trade is the first option I'd pick.
I am going to go with samsung, having an unlocked phone both AT&T and Verizon said they would not offer me insurance.
Sent from my Galaxy Note8 using XDA Labs
If you bank with Wells Fargo you can get $600 of phone insurance with a $25 deductible by just paying your phone bill with their Visa card. That's enough to cover a broken screen. I've used it once and it worked out well.
PsiPhiDan said:
Squaretrade is the best bang for your buck.
Look for 20 to 30 percent off coupons.
Click to expand...
Click to collapse
sadly, i can't find any working coupons =\
PsiPhiDan said:
Squaretrade is the best bang for your buck.
Look for 20 to 30 percent off coupons.
Click to expand...
Click to collapse
Wish I had found ones that actually worked.
I purchased squaretrade. they have been around about as long as ebay has. I found this post and it had some great information about phone insurance.
I also went with Squaretrade. I have never lost a phone or had one stolen (knock on wood and all of that), so I'm not too worried about that. They were nice enough to refund me the entire price of the Squaretrade plan I had on my S7E, since I'd never used it in the 10.5 months I've had it on their plan. So the cost of a 2 year policy for the Note 8 is only like $50 net.
I understand not everyone thinks insurance is worth it. But I want insurance on my Note 8. For those that DO have insurance who are you going through? I am on Verizon but haven't signed up for Assurion yet...I went with Squaretrade with my Nexus 6p but never had to do a claim. Which insurance has the best bang for buck, is reliable, and won't break the bank...I know some offer lost/stolen coverage and some extend the manufacturers warranty...
What did you choose and why?
I've always just gone with carrier insurance. It's easy and if something goes wrong, I have a three Verizon stores within driving distance of my house. No need to ship anything anywhere. I've never looked anywhere else, so I don't know it's best bang for the buck. It works for me, though.
In all the years that I've had phones, I've only had to file one claim. That was on a Palm Centro so yea, long time ago.
Or get wells fargo cash wise credit card. Pay ur phone bill using the credit card and u r covered.
Pros:
No monthly premium
$25 Deductible
Cons:
Takes longer time to get claim resolved
Covers max $
Recently claimed crack screen on my note 8. Took about 15 days but paid 25$ to get it fixed.
usmaak said:
I've always just gone with carrier insurance. It's easy and if something goes wrong, I have a three Verizon stores within driving distance of my house. No need to ship anything anywhere. I've never looked anywhere else, so I don't know it's best bang for the buck. It works for me, though.
In all the years that I've had phones, I've only had to file one claim. That was on a Palm Centro so yea, long time ago.
Click to expand...
Click to collapse
Which version of verizon's insurance did you get? When I had their insurance they only had one option. Now they have like 3-4
mikespe said:
Which version of verizon's insurance did you get? When I had their insurance they only had one option. Now they have like 3-4
Click to expand...
Click to collapse
I'm not sure which one it is. It costs $9.99 per month. I have it for both my phone and my wife's. We just carried it over from our Note 4s and the S3s before them.
mikespe said:
Which insurance has the best bang for buck, is reliable, and won't break the bank...I know some offer lost/stolen coverage and some extend the manufacturers warranty...
What did you choose and why?
Click to expand...
Click to collapse
https://forum.xda-developers.com/galaxy-note-8/help/whats-best-mobile-insurance-note-8-t3674637
"worth ave" and samsungs own insurance are tops in my book for the cost/offer ratio.
Bought my Note 8 outright so I put Samsung Premium Care on it.