Database Info

Fuze Insurance

Ok so I am in a bit of a pickle right now. Bought my fuze on june 14 through at&t. Now I have read up on getting insurance for a deposit of $125 and $5/month and I am fine with it. The main thing I want insurance for is theft, Im heading off for college in september and I do not want this thing stolen.
So heres my problem, you cannot purchase insurance after 30 days from activation; at&t basically told me im SOL. I looked at a few third party insurers and they basically cover everything except theft. I don't care if it breaks I can fix it.
MOD EDIT - Section deleted
Thanks guys!
Also! On a sidenote, if anyone can name a good app that will allow certain applications to access data/gprs/3g, and refuse access to all other apps thatd be great. the only ones I have found basically disable all data

I would think the ebay buyer would get a little upset when their new phone was turned off after being reported lost or stolen.

ntron1 said:
I would think the ebay buyer would get a little upset when their new phone was turned off after being reported lost or stolen.
Click to expand...
Click to collapse
AT&T doesn't really deactivae stolen-IMEI phones
though i would advise AGAINST fraud....
look at homeowner's insurance. might cover theft

insurance
Most insurance company's will add the device to your homeowners policy, renters policy, etc. i have seen some with no deductible and some with up to a $250 deductible. all of these types of insurance usually cover theft.
hth
Skippy

Is insurance worth buying?

I'm wondering if it's worth buying insurance for this phone (or any phone for that matter). SquareTrade is supposed to be good...

In my opinion no, u got a warranty for a year anyways... just treat your phone with upmost care always have a case, if ur gonna go drinking DONT BRING IT WITH YOU haha

I would say YES, unless can guarantee that you will "treat your phone with upmost care always have a case, [and] if ur gonna go drinking DONT BRING IT WITH YOU" ...and of course no one ever steals it and you'll never accidentally drop it.

Lets talk about worth... $5 or $6 a month... versus you losing your phone, it getting stolen, you getting shoved into the pool with it in your pocket, etc etc etc...
Would you rather pay $5/6 a month and then $129 to replace the phone, or $499 to replace it?

JWhipple said:
Lets talk about worth... $5 or $6 a month... versus you losing your phone, it getting stolen, you getting shoved into the pool with it in your pocket, etc etc etc...
Would you rather pay $5/6 a month and then $129 to replace the phone, or $499 to replace it?
Click to expand...
Click to collapse
Unless of course that SquareTrade service is as good as it claims... I'd take that over 2 years with a $50 deductible on accidentals instead of the T-Mo insurance I'm paying for.

It's 2 years of coverage for $51.99.
"WHAT IS COVERED:
Mechanical and electrical failures that occur during normal use of your item. Your item is covered for up to the full purchase price of your item (tax and shipping are excluded).
Some examples of covered issues include computer hard drive failures, iPod batteries that stop charging, cell phone keypads that get stuck, and digital camera sensor failures."
SquareTrade Inc. information.

xzxxzx said:
It's 2 years of coverage for $51.99.
"WHAT IS COVERED:
Mechanical and electrical failures that occur during normal use of your item. Your item is covered for up to the full purchase price of your item (tax and shipping are excluded).
Some examples of covered issues include computer hard drive failures, iPod batteries that stop charging, cell phone keypads that get stuck, and digital camera sensor failures."
SquareTrade Inc. information.
Click to expand...
Click to collapse
That's EXTENDED warranty, not insurance.... insurance is when a phone gets lost or stolen.

funkadesi said:
That's EXTENDED warranty, not insurance.... insurance is when a phone gets lost or stolen.
Click to expand...
Click to collapse
Whoops my bad. I kept seeing the squaretrade insurance pop up

i pay tmobile for my insurance. small price to pay for them just incase moments. i bought my phone outright so it was my best option. without it, i might be a little nicer to my phone. but with insurance lol, i just use it.

Insurance is a money pit
Guys insurance for a phone is a money pit I will show you.
I am very delicate with my phones like I know many of you are. I buy a case and screen guard and I have dropped one phone. So I dont buy insurance. Tmo insurance is 5.99/mo and the average length people keep the phone is about a 1yr some maybe 2yrs.
If you make a claim you have to pay a deductible which is usually around 125-150
so 5.99*12months= $71.88+$150=$221.88
If you have insurance for 2yrs: $5.99*24monts+$150=$293.76
Plus Tmo knows that less than 80% the people that get insurance will never use it, thats why they offer it cause they make money on it.
Now what if I self insur and pay myself 5.99 a month and save for a deductible. I can buy the same phone or a better one on craigslist or ebay. Therefore I dont buy insurance on any phone anymore cause we never used it we always bought phones off craigslist or ebay cheaper than our deductible. Just a little FYI

personally i have had insurance on my phones for 4 years, i have never had to use it(broke a G1 but since they couldn't get me a G1 i upgraded) yeah in the long run you might be paying a little more but i always compare it to car insurance. yeah i don't like paying an extra $150 a month for insurance on my car, but if i decide i don't want insurance and then i wreck the car i'm out a car(and in my state my license). or i can keep the insurance, pay the money, pay the deductible, and play it safe. in the end it's your choice but unless the phone is glued to your hand, and you live in the desert, then something could happen and end up costing you the price of the phone.
on the craigslist point: you don't always know where the phone you are buying off CL has been so there is no guarantee that you aren't buying a stolen device, i would rather pay retail for a phone that i know isn't stolen and comes with the box and everything in it, and the phone is in perfect condition

Well does anyone have any experience with square trade cause i was considering doing this as well

if you have access to the latest issue of Business Week (cover says Be Evil), there's an article talking about the company Asurion, who is the backer of cellular insurance for all of the big wireless companies around the world. chances are if you have the insurance, the replacement you get will be a refurb/used, which can usually be had for cheaper price. don't expect to be compensated with a brand new phone of equal value if yours goes bad.

Cracked my lcd. New Phone? or easy way to an inspire?

So the glass may be bulletproof but underneath it not so much. I accidentally sat on my phone on the edge of the seat and bent it and cracked my lcd underneath. My question is, should I fix the screen? Pay the insurance deductable and get a new one, or see if they will put me in an inspire??

ebay anywhere from 80 - 120 $ for new screen
get the non Att one if you can.
xda search:
captivate teardown

TRusselo said:
ebay anywhere from 80 - 120 $ for new screen
get the non Att one if you can.
xda search:
captivate teardown
Click to expand...
Click to collapse
what is wrong with the att ones? no i get it less branding blah blah.. maybe you can find an armani one, and get the armani backplate. that would definately make you the cool kid on the block!

You can argue the morality of what I did, but when I cracked my screen on my first Captivate, I filed an insurance claim but rather than saying I had broken the phone I told them it was stolen.
My rationale was that I didn't feel spending $125 on a deductible AND returning my old phone to them was a fair deal for me as a consumer. Broken or not, the old phone still had a decent monetary value, and when you add its value to the $125 deductible, you're really taking it in the shorts.
So ultimately, I got the new phone for $125, and since I didn't have to send them the old one, I fixed it and sold it for $200. That $200 paid for the new screen and the replacement phone, so I wasn't out of pocket any money and I had a new phone. Food for thought, if you're an immoral person such as I.

Seamus1 said:
You can argue the morality of what I did, but when I cracked my screen on my first Captivate, I filed an insurance claim but rather than saying I had broken the phone I told them it was stolen.
My rationale was that I didn't feel spending $125 on a deductible AND returning my old phone to them was a fair deal for me as a consumer. Broken or not, the old phone still had a decent monetary value, and when you add its value to the $125 deductible, you're really taking it in the shorts.
So ultimately, I got the new phone for $125, and since I didn't have to send them the old one, I fixed it and sold it for $200. That $200 paid for the new screen and the replacement phone, so I wasn't out of pocket any money and I had a new phone. Food for thought, if you're an immoral person such as I.
Click to expand...
Click to collapse
I'm surprised the old phone worked. Some companies when it is reported stolen, they block the IMEI from their network.

I don't know if it makes a difference or not, but ATT isn't even directly involved. They have an insurance company that handles the claims and issuing the replacements.
The truth of the matter is, it wasn't even my idea originally. I went into a local ATT store and the sales rep gave me the information I needed on how exactly to file the claim. When I asked him if they would require the old phone back, he said that they would indeed, and I told him my thoughts on the matter (in a friendly way of course.) It was the ATT sales rep who sort of cryptically said to me "You can't return a lost or stolen phone." with a wink of the eye.

Red_81 said:
I'm surprised the old phone worked. Some companies when it is reported stolen, they block the IMEI from their network.
Click to expand...
Click to collapse
In the US, IMEIs only get blocked when they pose a threat to the network. Only in Europe do stolen IMEIs get blacklisted via a national EIR and that requires a police report.

no they run a scan for lost/stolen imei;s every year or 6 months...
there have been many threads on this. one day the phone just stops working, they call their carrier and find out it was blacklisted. it happens...
not saying it WILL but it CAN.
sometimes reporting lost is better than stolen!

I just got mine replaced under warranty free because the liquid screen broke after dropping it but there was no visible damage to the phone (case).
Customer service was trying to push an early upgrade on me but they transferred me to warranty people and they sent a new one out with no issues.
Sent from my GT-I9100 using XDA Premium App

Asurion?

Anyone here suggest having it from T-Mobile?
It's $7.99 a month...
Is it worth it? I don't get my phone stolen or lost... I always take care of my phones..
Input before bashing!

it's completely user preference.
Ask yourself this when trying to decide: "is $ worth it to me in the event that something unfortunate happens to my phone? Do I want to spend $$$ to buy a new one if the problem is not covered by the original warranty?"
Some people have horror stories in dealing with asurion others no problem at all... And remember, the plan does not specify that you'll get a brand new, unused phone, just a comparable phone....so you could end up with a refurbished phone after you're deductible...and who knows if it was ever fixed in the first place!
For me personally, I go with the middle tier insurance (4.79/month+130ded) for the first year because chances are that if I start having problems after that, I'm just gonna go in and get new phone and renew my contract at that point.

I got it but that's b/c i work for t-mobile and I've heard so many unfortunate stories
I take care of my phone as well but it's technology...anything can happen

Have a look at SquareTrade. Way cheaper and covers damages. If they can't fix it, they'll pay you the price you paid for the device. They charage a $124 fee for 2 years of coverage, zero deductible.
Search around online, you probably can find a coupon code to help you get 20-30% off the regular price SquareTrade would charge you for coverage.
Asurion's deductible alone is about as much or more than Squaretrade, plus you'd have to pay Asurion $8/month on top of that.
SquareTrade's protection is also transferable if you sell/give the device to someone else. (Sure to help your resale value on Ebay . )
But ultimately, if you don't have a history of damaging devices, you could save more by simply not buying insurance you don't need. The device does have a 1 year manufacturer's warranty. And there are many cell phone repair shops these days that don't charge much.
So it's up to you. Good thing is that you have plenty of options to choose from.

Asurion is NOT good insurance! You pay a monthly fee of around $8 and then a $100 (or $150 not sure which) deductible to actually get the phone replaced and they CAN still send you a refurbished phone as a replacement. So you pay for the phone twice and still may get a used POS! Don't waste your money. The standard warranty is a year with just about the same coverage (you just can't be at fault for any damages to get fixed).

I haven't checked out squaretrade yet, but imo a comprehensive insurance is a must. No matter how well u take care of ur phone accidents can happen and so can theft. To my knowledge, warranty only covers manufacturing defects, not incidental damage/theft.

Check your house insurance, mine is covered up to £700 for loss or damage, no excess to pay....

jdelforge5684 said:
I haven't checked out squaretrade yet, but imo a comprehensive insurance is a must. No matter how well u take care of ur phone accidents can happen and so can theft. To my knowledge, warranty only covers manufacturing defects, not incidental damage/theft.
Click to expand...
Click to collapse
I would not say a "must". But worth considering if you have a history of issues. I used to buy it all the time, and after almost 10 years of never using it I stopped buying it and still was going just fine without it. I did get it on my Sensation though, because I got a very good deal from SquareTrade when I brought the Sensation through Ebay. The deal I got was <10% of what I paid for the Sensation, which is a price less than replacing it with a used one 2 years from now and less than I'd have to pay a repair shop to fix most any issue. So I'll get the insurance when I can get get a very cheap deal on it. Otherwise, I'll self insure, as in not buy it.
I'd certainly never use Asurion though. They got enough of my money in the past. In a year $8/month is $96 + $100(or higher) deductible = ~$200. So to pay about $200 or so for a refub of the same device is pretty terrible of a deal IMHO.
My old HD2 is the first device I've had that broke do to issues from drops over time, it's SIM slot broke after 16 months of ownership, that would have costs me about $225+ through Asurion, just to get a refub HD2 to replace it. I can get a nearly brand new HD2 for that price off Ebay tonight. But I didn't even want another HD2 16 months later, I wanted something new, so I sold the used broken HD2 on Ebay. The HD2 and it's SIM card with the Transformers movie fetched me almost $150 which went torwards Sensation accessories and more than paid for the SquareTrade coverage. I could have used that money to buy an HD2 in better condition if I desired, or paid less to get the broken HD2 repaired. But in no way does the math ever work for me to use Asurion ever again. If car insurance or home owners insurance were 50% of the price of the device new or 100% of replacement with a used version of the same, people would cry it was fraud.
kjt57 said:
Check your house insurance, mine is covered up to £700 for loss or damage, no excess to pay....
Click to expand...
Click to collapse
For the vast majority in the USA, they won't cover a cell phone. And usually if they do, the deductible is as high as the price of the phone if not higher.

GET IT. I have it over 5yrs since I had my tmobile wing & even if you take care of it something could happen example my hd2 messed up when the electricity went out in my house the phone was connected to the tv and after that phone kept getting random boots. Just get it best investment you could do for your phone.

DEDUCTIBLE IS $130 for the Sensation according to Asurion website and literature.

I gladly pay $8 a month knowing that each year I can have my phone replaced twice. Lost, stolen, damaged no questions asked. Each time I have paid my $130 deductible I have received a brand new in box device. I have used it about 4 times now. They even send u a Sim card and it usually arrives the next day after u male the claim. But I will look into this other company u guys r talking about
Sent from my HTC Sensation Z710e using XDA Premium App

Your right $0 deductible for squaretrade but once Ur care plan is considered fulfilled you need to drop another x amount to cover you new device...
So to me that's the same as paying Asurions deductible.
Not to mention I paid a subsidized price for my sensation and if I was to buy another one I couldn't get it for that price again. So does that mean I'm screwed?
Coverage Amount For replacement payments:
You are covered up to the maximum value you paid for the item. Once we pay out that amount, your Care Plan is considered fulfilled. If you would like coverage on your new item, you need to purchase a new warranty for it.
For Repairs:
The Care Plan is good for multiple repairs, up to the maximum value of your item. Once the cost of repairs meets the full purchase price of the item, your Care Plan is considered fulfilled.
Sent from my HTC Sensation Z710e using XDA Premium App

Cell Phone Insurance

I saw some other threads and figured I'd share a new discovery of mine. Not sure if anyone has heard of them:
http://www.worthavegroup.com/
Very affordable insurance and beats out SquareTrade, I think.
Just finished a claim on my EVO 4G with SquareTrade and they closed the warranty once they reimburse me. So essentially, once they pay you for a new phone, your warranty is considered fully used regardless of how many years of coverage you have left. Worth Ave has unlimited claims and includes theft and loss and all that cool stuff for a good price. $50 deductible for $599 coverage for my new Epic 4G Touch (iPhones have different coverage but other devices like Android phones are the same essentially). Roughly $60 bucks a year flat fee. I did my research on them before hand and I've only read good things.
Just thought I'd share!
-Rip

Do they reimburse you or just send you a "refurbished" phone? I like the fact that SquareTrade reimburses you so you can go out and buy any new phone on the market and yes, then you do have to buy a new warranty but it is a totally "new" phone.

frodoboy said:
Do they reimburse you or just send you a "refurbished" phone? I like the fact that SquareTrade reimburses you so you can go out and buy any new phone on the market and yes, then you do have to buy a new warranty but it is a totally "new" phone.
Click to expand...
Click to collapse
SquareTrade reimbursed me to the EVO's current market value ($450). They do not give out refurbs and I believe Worth Ave is the same. They are not actual repair shops so they are not entitled to give you a replacement or refurb. Either they pay for repair at an authorized/licensed repair depot or they reimburse you with good old cash to buy another phone at current market value.

Insurance
Hello,
I don't know about in the US but my mobile is covered under the "accidental damage" portion of my home insurance policy, sure it might cost me my excess but I will only pay it if I damage the phone which may not happen.

regal_beaver said:
Hello,
I don't know about in the US but my mobile is covered under the "accidental damage" portion of my home insurance policy, sure it might cost me my excess but I will only pay it if I damage the phone which may not happen.
Click to expand...
Click to collapse
Usually homeowner's policies have pretty high deductibles, usually $500 or more and that basically leaves you without coverage on all phones.

I think this is covered in some other threads. But check with your home owners insurance. I can get a rider for mine that costs $18/year. It is $18/year for up to $5000 of computers, cell phones, software, peripherals, etc. Not $18/device. Just $18/year!
It is all risk coverage. So it covers theft, loss, damage (like dropping it). $50 deductible.
So check with your insurance carrier is you have home owner's insurance (or apartment insurance).

a case is my insurance policy.
These always have deductible, take a couple of days and get a refurb old phone.
With the way tech changes, always feel its just better to trade up to a new phone if you lose/break.