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Just as a consideration, I thought I'd throw this out there. I was mildly concerned when I ordered a Nexus about the lack of Asurion insurance on T-Mobile. Checked with Squaretrade, since I have used them on other electronics purchases, and was very pleased to find they have a specific plan for the Nexus One. For $115 (special atm) you get a full 2 yr replacement or repair warranty for a one time premium with an at need $50 deductible. Normal failures like battery failure are not subject to deductible. Only con is they don't cover loss, you have to be able to send them back something broken. Being as I was paying about $8 a month for insurance on my G1 before, with a $150 deductible, a little quick math shows an amazing difference. My experiences with Squaretrade in the past have been wonderful, and I would recommend giving them a look.
http://www.squaretrade.com/pages/nexusone-landing?ccode=bs_war_quote
t-mobile gave me insurance through Asurion....
This is old news. Tmobile does cover the nexus one. Use search.
Dose it cover if I unlock the boot loader? I know Google (HTC) voids the warranty the second you do that. I want to be able to install Cyanogen on my Nexus One without the worry of not having a warranty. I have the G1 now and have had it for about a year now and I havent had any problems with it, but I've heard of people's N1's on at&t the screen is messed up look here.
thumbs said:
Dose it cover if I unlock the boot loader? I know Google (HTC) voids the warranty the second you do that. I want to be able to install Cyanogen on my Nexus One without the worry of not having a warranty. I have the G1 now and have had it for about a year now and I havent had any problems with it, but I've heard of people's N1's on at&t the screen is messed up look here.
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no it dont cover unlocked bootloader. it covers electrical, lost or stolen. worst comes to worst you just file stolen thru your insurance and buy a new one from them for $130 bucks. or should i say refurbished not new.
Lol. Well when I bought mine the T-mobile reps I talked to didn't really know what a Nexus One even was. I was however told that insurance through them was unavailable to me because the phone was sold through Google. Bad information or miscommunication is irrelevant, the SquareTrade Warranty is a far cheaper way to go. Though it doesn't cover loss, I spoke to them before buying it and was told in clear language that any claim due to unit damage from dropping, water, etc. was covered regardless of bootloader being unlocked. This would only be an issue with them if there was no physical damage to the unit. I'm not worried about bricking it, I'm worried about taking it with me when I go drinking. lol. Things tend to get run over.
It's also be covered in other threads that you can insure the phone through a "personal items" policy with your regular (auto) insurance provider. I have mine through State Farm. It's $30 a year with no deductible and they could give a flip if it's rooted or not. You just call them up and say my stuffs broken/lost and they send you a check to replace your phone. So, SquareTrade isn't the way to go either.
OutlawPro said:
It's also be covered in other threads that you can insure the phone through a "personal items" policy with your regular (auto) insurance provider. I have mine through State Farm. It's $30 a year with no deductible and they could give a flip if it's rooted or not. You just call them up and say my stuffs broken/lost and they send you a check to replace your phone. So, SquareTrade isn't the way to go either.
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Awesome. i use State Farm, so i'll have to look into that. good intel.
OutlawPro said:
It's also be covered in other threads that you can insure the phone through a "personal items" policy with your regular (auto) insurance provider. I have mine through State Farm. It's $30 a year with no deductible and they could give a flip if it's rooted or not. You just call them up and say my stuffs broken/lost and they send you a check to replace your phone. So, SquareTrade isn't the way to go either.
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Any idea if you can purchase that type of insurance from State Farm without having another policy with them?
RussianSolja said:
no it dont cover unlocked bootloader. it covers electrical, lost or stolen. worst comes to worst you just file stolen thru your insurance and buy a new one from them for $130 bucks. or should i say refurbished not new.
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To clarify:
The Assurian policy doesn't cover unlocked bootloaders, only defect, theft and loss.
The Squaretrade policy (at least the one I bought for my N1) covers defect and accidental damage, and is agnostic to bootloader status (meaning they don't care if you unlock it).
jerhoyet said:
Any idea if you can purchase that type of insurance from State Farm without having another policy with them?
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Not 100% sure, but I think you can because my policy is not tied to any of my other policies. It's a standalone and the reasoning for it is, it you need to use it, it won't affect your regular insurance rates
If you have auto insurance, you should be able to get coverage through them. You might get better rates by having an existing policy too.
Just give any State Farm rep a call to find out and let us know what they tell you if you don't mind.
maxawesome said:
To clarify:
The Assurian policy doesn't cover unlocked bootloaders, only defect, theft and loss.
The Squaretrade policy (at least the one I bought for my N1) covers defect and accidental damage, and is agnostic to bootloader status (meaning they don't care if you unlock it).
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Helpful. I was originally told by the T-mo rep that Asurion wouldn't cover me, but I ordered on release day. lol. As for theft or loss, not possible. I will stick with Squaretrade and hope I never have to use it.
I'll cave in. Since I spent $529 for this phone, spending an additional $120 couldn't hurt to protect against damages. If I drop it and the screen cracks, they replace it reguardless correct? I just had a bad luck day, had phone in my basketball shorts with a clear hard case on it, while playing it fell out. Then when I got out of my car I forgot my phone was on my lap so down it goes again with the case. There are scratch marks on the bottom and top of the phone but doesn't bother me. It worries me that in the near future I might actually drop it by accident and it will be damaged. The 3rd time I dropped it, was when I went to put it in my newly purchased dock. So I've finished my bad luck for the day (hopefully)
*wonders why people will spend MORE for a LESSER insurance policy.
It's my last day to enroll in insurance for my Captivate.
How many of you have it on your phones? If something breaks and you do wind up making a claim, did you get a new phone or refurb?
I need to make a choice quickly and I'm leaning towards NOT getting it simply because at $5/mo and a $125 deductable, I think there are (or at least will be) better deals online for replacement and if it happens, I think I'd rather apply that towards a NEW phone.
Opinions?
I didn't enrol.
I got it. $5 isn't that big a deal. And a new phone for $125 ain't bad either. I've found that the att deductible goes down the older the phone gets.
Sent from my SAMSUNG-SGH-I897 using Tapatalk
I bought it at Best Buy, got their insurance.
I also pay the $5/mo, but I mainly got it because I was about to take a trip out of the country. I'll probably drop it after another month or 2
Do they give you a new phone for the $125 deductible or a refurb?
I didnt nor have I every paid for insurance on my phones. My wife got it for her iphone, but that was her doing.
Not enrolled here but I never buy extended warranties either. My philosophy is that if it lasts through whatever warranty they give me then I got enough use out of it and it was probably my fault it broke. Although I would recommend http://www.squaretrade.com/ if you need an extended warranty.
I have the insurance, I plan on sometime dropping my phone and saying it broke and get a newer phone...
When something good comes out first
comdei said:
I have the insurance, I plan on sometime dropping my phone and saying it broke and get a newer phone...
When something good comes out first
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They replace it with a Captivate...
qwertyaas said:
They replace it with a Captivate...
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I talked to them and they said you can choose to put the balance towards another phone ^.^
It's a scam.
Unless you are the worlds most clumsy person.
Sent from my Captivate using XDA Premium.
I think I may just forget about the insurance.
I really hate the idea of insurance in general - One one hand, it's there if you need it, but on the other, you're paying LOTS of money for the chance something happens, and even if it does, you've still got a damn deductible. Makes me sick to think how much money I've wasted over the years on things like car insurance, never having had an accident - By the time I do need the insurance, I'm sure I will have pissed away enough money to have bought 3-4 new cars... Bad analogy considering the risk when driving, I know; but still.
Ugh...
As for the Cappy, it seems like AT&T wants customer retention so bad that they'll always get you into a contract renewal to get a new phone - somehow.
[end]Rant[/end]
Dante04SRT said:
I think I may just forget about the insurance.
I really hate the idea of insurance in general - One one hand, it's there if you need it, but on the other, you're paying LOTS of money for the chance something happens, and even if it does, you've still got a damn deductible. Makes me sick to think how much money I've wasted over the years on things like car insurance, never having had an accident - By the time I do need the insurance, I'm sure I will have pissed away enough money to have bought 3-4 new cars... Bad analogy considering the risk when driving, I know; but still.
Ugh...
As for the Cappy, it seems like AT&T wants customer retention so bad that they'll always get you into a contract renewal to get a new phone - somehow.
[end]Rant[/end]
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Car insurance is not just for your benefit. The part that is forced onto you in every circumstance is liability insurance and that protects other people and their property from you. When you have a loan out on a car, the forced collision and comprehensive coverage protects the bank from you totaling or damaging their collateral.
If you own your car outright, you can choose not to carry the coverage that would fix your car for you.
z28james said:
Car insurance is not just for your benefit. The part that is forced onto you in every circumstance is liability insurance and that protects other people and their property from you. When you have a loan out on a car, the forced collision and comprehensive coverage protects the bank from you totaling or damaging their collateral.
If you own your car outright, you can choose not to carry the coverage that would fix your car for you.
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I am well aware how car insurance works. It's just one of those things that really sucks that you have to pay.
Dante04SRT said:
I am well aware how car insurance works. It's just one of those things that really sucks that you have to pay.
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Unless you are getting scammed, you can pay full coverage for forty years here and not cover the replacement cost of a vehicle. Auto insurance is one that is well worth the cost, not to mention the medical costs that are the result of an accident. But back to the question at hand....extended warranties, or phone insurance in this case, are indeed high margin services which is why even walmart has begun bugging you every time you check out.
$125.00!!!!
Wait a sec. When did it go from $50.00 to $125.00?? Where was i for that?
As for weather you get a referbed or new. When i was replacing my backflip i told them i was tired of dealing with crap and i wanted a new phone sent not a referbed. they sent a new one no problems.
MagillaGorillaX said:
Wait a sec. When did it go from $50.00 to $125.00?? Where was i for that?
As for weather you get a referbed or new. When i was replacing my backflip i told them i was tired of dealing with crap and i wanted a new phone sent not a referbed. they sent a new one no problems.
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The captivate has always been a tier 2 phone so the.deductible is $125. Tier 2 used to be 200 then dropped to 150. As for the comment about the older the phone gets the cheaper the deductible is and I van say on some phones that is not the case. When I was running a blackberry bold 9000 it is still considered a tier2 phone and it is a 3 year old phone and I refused to pay 200, 150 or even 125 for that phone. I waited until my upgrade and got my captivate on launch day.
Hth
Charlie
Sent from my GT-I9000 using Tapatalk
I opted for AT&T insurance instead of Squaretrade because AT&T covers theft. I have Squaretrade on all my kids' electronics (iPods, DSi's) to cover the accidental damage.
Well, I decided to wing it and not sign up for the coverage. I'll just have to keep my fingers crossed. I wound up getting my Cappy w/ 2 yr agreement for $59.99 (price match!) and can't see paying even the 3% per month of what the std $149 2yr agreement price was (plus then the $125 for a claim).
I do worry about theft, but I'm so strict about letting this thing out of my sight, I'm not too worried about it.
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.
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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....
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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
I figured I place this tidbit of information here since I have a galaxy s4, but this will apply to other smartphones as well. For those who invest in insurance for their phones, it is changing at Best Buy. Currently, the Geek Squad Protection is a $10 monthly charge for Android/Windows/Blackberry ($15 for iPhones), no deductible, unlimited claims for two years, and it does not cover lost or stolen. Starting on 9/1/13 (Im 99% sure that's the date, which is around the corner lol) it will be $10 for smartphones (Android/Windows/BlackBerry/iPhones), $150 deductible, 3 claims for 24 months, and it will not cover lost or stolen.
Kenpachi 91 said:
I figured I place this tidbit of information here since I have a galaxy s4, but this will apply to other smartphones as well. For those who invest in insurance for their phones, it is changing at Best Buy. Currently, the Geek Squad Protection is a $10 month charge for Android/Windows/Blackberry ($15 for iPhones), no deductible, unlimited claims for two years, and it does not cover lost or stolen. Starting on 9/1/13 (Im 99% sure that's the date, which is around the corner lol) it will be $10 for smartphones (Android/Windows/BlackBerry/iPhones), $150 deductible, 3 claims for 24 months, and it will not cover lost or stolen.
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Too many idiots bricking their phones and bringing them in for exchange / repair. Sure, occasionally there are legitimate claims, but with the release of MF3 and the people that are too lazy to read and learn, the number of claims is most likely going through the roof. If it continues, square trade will be the next to change their terms. It's bad when people with legitimate claims have to be hassled by AT&T, Samsung, Best buy, etc...just because people are committing fraud so frequently.
To be fair, when MF3 was first pushed and people knew nothing about it, it was reasonable to expect some problems. However, the learning curve has been over for some time now and the excuses are done. If someone bricks with MF3 now (and they are not a DEV trying to make something happen to help everyone) there is absolutely no excuse. Developers bricking their phones working on unlocked bootloader exploits / methods might make up 1% of total claims. Legitimate claims might make up another 10%. The rest are people that are bricking their devices and then expecting insurance to pay for their ignorance. So thank you lazy idiots for making insurance more expensive for the rest of us.
I knew the unlimited claims was going to hurt them down the line. I have the 2 year outright protection since I get a discount. So I will still have the unlimited claims (which I will probably never use). However it does suck for those who truly need it though.
Sent from my Galaxy S4 (Bonestock v1.1.3) using xda-developers app
eh I may just cancel mine then, but still kinda worth it for $10/mo.......
sent from my Galaxy S4 using Tapatalk 4
scott_0 said:
eh I may just cancel mine then, but still kinda worth it for $10/mo.......
sent from my Galaxy S4 using Tapatalk 4
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I shouldve said this in the original post. For those who have Best Buy's insurance as of 8/31/13 and before, you are unaffected. You still have the $0 deductible and unlimited claims.
Sent from my Galaxy S4 (Bonestock v1.1.3) using xda-developers app
Kenpachi 91 said:
I shouldve said this in the original post. For those who have Best Buy's insurance as of 8/31/13 and before, you are unaffected. You still have the $0 deductible and unlimited claims.
Sent from my Galaxy S4 (Bonestock v1.1.3) using xda-developers app
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haha that's great news! thanks for the info
sent from my Galaxy S4 using Tapatalk 4
Bought 2 new Galaxy S 4 the day before this went into effect.
Only by luck did I hear about it in time. Was going to hold off for a few more weeks on the purchase. So glad I didn't!
skandranon314 said:
Bought 2 new Galaxy S 4 the day before this went into effect.
Only by luck did I hear about it in time. Was going to hold off for a few more weeks on the purchase. So glad I didn't!
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Yeah good thing you didn't. I knew it was changing for a while, but I didn't get the exact details until much later
Sent from my Galaxy S4 (Bonestock v1.1.3) using xda-developers app
It also looks like the $9.99 plan doesn't cover drops even with the $150 deductable.
You have to pay the $200 up front to get this coverage.
ricktat said:
It also looks like the $9.99 plan doesn't cover drops even with the $150 deductable.
You have to pay the $200 up front to get this coverage.
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It covers accidentals. The $10 monthly charge and the $200 upfront cover the same thing. It's just that paying upfront saves you $40 in the long run...
Sent from my Galaxy S4 (Bonestock v1.1.3) using xda-developers app
Kenpachi 91 said:
It covers accidentals. The $10 monthly charge and the $200 upfront cover the same thing. It's just that paying upfront saves you $40 in the long run...
Sent from my Galaxy S4 (Bonestock v1.1.3) using xda-developers app
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What's the difference in the standard and advanced plan? Best buy only lets you pick monthly or upfront.
http://www.geeksquad.com/protection-plans/geek-squad-protection/mobile-phones.aspx#_tab1
This is my favorite. It's got to be a little broke I guess.
What if I dropped my cell phone walking to work?
Ouch! If you have our Advanced Geek Squad Protection Plan with accidental damage from handling coverage, it'll be covered. However, we don't cover units that fall from extreme heights such as decks, balconies and windows.
ricktat said:
What's the difference in the standard and advanced plan? Best buy only lets you pick monthly or upfront.
http://www.geeksquad.com/protection-plans/geek-squad-protection/mobile-phones.aspx#_tab1
This is my favorite. It's got to be a little broke I guess.
What if I dropped my cell phone walking to work?
Ouch! If you have our Advanced Geek Squad Protection Plan with accidental damage from handling coverage, it'll be covered. However, we don't cover units that fall from extreme heights such as decks, balconies and windows.
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Interesting. I'll ask my manager about this. Since our emails didn't mention anything about standard and advanced plans. I'll have more info later tonight.
Edit:
So that page did catch my manager off guard. We looked at the email that he received and that doesn't really match up. The one on the website is referring to prepaid devices according to my manager, not contract.
Best buy didn't honor my insurance today. They are a total scam. I mean I haven't posted in this forum for a looooong time and I was compelled to write here. I spent 2 hours arguing with the manager, and all they would do for me is knock $50 off an upgraded phone. The guy I originally was working with finally told me that: if the phone is broken beyond repair... they will NOT honor the insurance. Only minor defects e.g. cracked screen, broken power button, broken camera (repairable stuff) is covered. Please save your $15 a month... I'll never spend another dime in a best buy store again.
bigough13 said:
Best buy didn't honor my insurance today. They are a total scam. I mean I haven't posted in this forum for a looooong time and I was compelled to write here. I spent 2 hours arguing with the manager, and all they would do for me is knock $50 off an upgraded phone. The guy I originally was working with finally told me that: if the phone is broken beyond repair... they will NOT honor the insurance. Only minor defects e.g. cracked screen, broken power button, broken camera (repairable stuff) is covered. Please save your $15 a month... I'll never spend another dime in a best buy store again.
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What?!? I have taken no less than 8 different phones in that were clearly broken behold repair over the past few years. In fact that was one of the major selling points in the old days. I would go to a different best buy and try again, and again till one takes it. That is BS~!
bigough13 said:
Best buy didn't honor my insurance today. They are a total scam. I mean I haven't posted in this forum for a looooong time and I was compelled to write here. I spent 2 hours arguing with the manager, and all they would do for me is knock $50 off an upgraded phone. The guy I originally was working with finally told me that: if the phone is broken beyond repair... they will NOT honor the insurance. Only minor defects e.g. cracked screen, broken power button, broken camera (repairable stuff) is covered. Please save your $15 a month... I'll never spend another dime in a best buy store again.
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Do you have it in writing that they will fix /replace/ repair (whatever you are trying to do) a phone that is "broken beyond repair"? And did you satisfy the terms of the contract? If so, contact their corporate office about the issue.
scott14719 said:
Do you have it in writing that they will fix /replace/ repair (whatever you are trying to do) a phone that is "broken beyond repair"? And did you satisfy the terms of the contract? If so, contact their corporate office about the issue.
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I have the geek squad pamphlet right next to me and it says "accidental damage from handling covers damage as a result of unexpected and unintentional drops and spills that arise from normal usage of the product as the manufacturer intended. Abuse, misuse and fraud not covered". The way I read <<that is it covers accidental drops regardless of severity of damage.
I guess I didn't mention how it happened to you guys. Girlfriends kid was sticking the phone out the window to get a better signal while I was driving, I told him to bring it in and he dropped it out of a moving vehicle. It was an accident, however I guess in the truest sense of the term it wasn't (at the time) "normal use of the product". However that doesn't even matter. The representative said "I'll put another story that will sound better" (whatever that means). The manager came over, took a photo of my phone and sent it to her boss. She came back later and said it won't be covered.
The way the manager made it sound was that the insurance company they are sending it to would not pay for it and would send it back to them as denied. I already made a thread on the best buy forums. I will be contacting corporate, I will even find the email of the CEO and send him an email too if it comes down to it. I've done it before with other companies and have no qualms about doing it again.
skandranon314 said:
What?!? I have taken no less than 8 different phones in that were clearly broken behold repair over the past few years. In fact that was one of the major selling points in the old days. I would go to a different best buy and try again, and again till one takes it. That is BS~!
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Yes I agree. I was a champion for Best Buy. I would always tell people "why'd you buy your phone from X? If you buy it from Best Buy, they phone is covered in almost all situations". I've used them before on my iphone 4 and it was also smashed, and I never had a problem. The next closest best buy is about 1 hour away. I'm also going to call the Geek Squad tomorrow and see what they say.
If all else fails, AT&T is offering a $250 upgrade addition for the 5S. So instead of spending $700+ on a new phone it is $199+250= $450.
---------- Post added at 09:26 PM ---------- Previous post was at 09:07 PM ----------
I had no intention of giving that phone up. The phone's camera was shot (purple blotches on the photos), the power button was broken but, I was running 6.1 jailbroken! I have no interest in owning an un-jailbroken iphone. I was willing to deal with the failing hardware issues to retain my jailbreak and keep the insurance for a catastrophic event. Now the way it looks, not only will I be running an un-jailbroken iphone while waiting for envasi0n to release a jailbreak, but I will be coming out of pocket $450 minimum (not counting the $360ish I spent on "insurance" premiums). Double whammy on my end.
I'm sorry to vent but I am furious!! The customer service rep also told me that they insurance is changing to a $150 deductible with new cellphone sales.
Best Buy Geek Squad Protection: $9.99 / month or $199.98 / 2 years. Covers drops, water damage, and other malfunctions. Deductible: $150. Repairs existing handset if possible, if not, replaces with refurbished or new handset of same or like model. (Note: the deductibles were added and pricing changed as of Sept. 1st, 2013 - non-deductible coverage for new customers is no longer available).
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If you read my update.... forget it. Best Buy screwed me the F over!!
There is now a $7 GSP plan. This basically excludes handling of manufacturer claims, no charger, or battery replacement. The $150 deductible and 3 claims still apply
Today, while running with my son on a nature trail, a freak accident happened. The stroller hit a rock in such a way it launched my phone from a holding pouch into the air and onto the ground shattering the screen. (i run over 75 miles a month for the last two years, so never dreamed of this happening) I was devastated, especially since it's a month old and since i'm one NEXT i can't really afford an extra 200 bucks. I went onto the phoneclaim website and tried to file a claim, initially telling me my deductible was 199.99 but my g3 wasn't listed and it told me to call to file the claim.
So, I call the number, speak to someone. She asked me about the damage, and what accessories if any i was claiming. I told her just the phone, no accessories or sim card - since that stuff was in tact. After putting me on hold, she asked me about the color of the phone, repeated the LG G3, asked me to verify identity questions (which amounted to my street address) and said that my deductible was 50.00 which would be applied to my bill. Now, i said
"not that i'm complaining, but this is the 32gb white LG G3 we're talking about, correct? "
"she replies yes sir"
"I said not only did the at&t rep tell me 199.99 when i signed up for the insurance, but the website also told me 199.99 when i entered in my number"
"she said I wouldn't complain either sir, it states 50.00 here with 1-2 business days shipping"
So, what are the odds something bad is going to happen here?
Ie: the wrong phone replacement, not a phone at all, but like a battery or something... i dunno.
Just can't wrap my mind around everyone saying 199.99, then being told 50.00 for 600 phone. ....
should I be worried?
Did they send you a confirmation email? If not, call back with the case # and get them to email that to you.
Storm T said:
Did they send you a confirmation email? If not, call back with the case # and get them to email that to you.
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They did, but all it states is that the claim is been received and being processed and a tracking number will be provided once it ships.
I'd imagine you're good to go at $50 since she told you that.
Storm T said:
I'd imagine you're good to go at $50 since she told you that.
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It's a good thing I went back to the site.
They had me for a replacement of the G3 VIGOR, not the G3 D850. When I called back, they asked me a ton more questions plus i have to sign an affidavit and send in a copy of my license. Then she told me an adjuster would call me and let me know if it would be replaced or not. She also said had i not called back i wouldn't have even gotten a new phone because the last person screwed up.
But, seriously... what am I paying insurance for if they will let me know about the replacement... i'm pretty sure we pay insurance for this exact issue.
I dunno, what a headache.
That sucks! I've replaced one that way before and I never had to give them a copy of my license? I'd sure be *****ing. Good luck!
Unfortunately this happened to me a week after I had my phone. The deductible was 165$ & they tried to give me an lg g2. Luckily I called back and had it fixed. It was a quick yet expensive lesson. And yes, I had to do the same with my license and an affidavit. Hope it goes well for you.
Sent from my LG-D850 using XDA Free mobile app
petros855 said:
Unfortunately this happened to me a week after I had my phone. The deductible was 165$ & they tried to give me an lg g2. Luckily I called back and had it fixed. It was a quick yet expensive lesson. And yes, I had to do the same with my license and an affidavit. Hope it goes well for you.
Sent from my LG-D850 using XDA Free mobile app
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No such luck for me. I've had my claim denied twice now. I've filled out three affidavits, sent in various pics of the phone and barcodes, license etc. I've mad a trip to the AT&T store all to no avail.
The reasoning is all very vague, like telling me my time of occurrence and date of last usage don't match, or that they've even tried telling me i don't own a G3 lol.
Worst experience ever...
I'll end up trying to contact LG and see if i can just get them to replace the screen for the 200 bucks it will cost or whatever.
sigh.
st0nez0r said:
No such luck for me. I've had my claim denied twice now. I've filled out three affidavits, sent in various pics of the phone and barcodes, license etc. I've mad a trip to the AT&T store all to no avail.
The reasoning is all very vague, like telling me my time of occurrence and date of last usage don't match, or that they've even tried telling me i don't own a G3 lol.
Worst experience ever...
I'll end up trying to contact LG and see if i can just get them to replace the screen for the 200 bucks it will cost or whatever.
sigh.
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That's weird that they say your " time of occurrence and date of last usage don't match"
Are you rooted and did you remove lots of apps like carrierIQ?
Do you think they are just BSing you?
Lol this makes me want to cancel my insurance...
Sent from my LG G3
Craleb said:
That's weird that they say your " time of occurrence and date of last usage don't match"
Are you rooted and did you remove lots of apps like carrierIQ?
Do you think they are just BSing you?
Lol this makes me want to cancel my insurance...
Sent from my LG G3
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Now that you mention it. I am rooted, i removed the bloat and carrierIQ the day I got the phone.
I might just have to send my phone to LG for a screen repair and call it a day. I'll keep you all updated when they deny my claim again tomorrow lol.
Insurance on anything that depreciates like a smart phone is a scam. I would never and have never gotten phone insurance. I keep one old phone at all times just in case this happens.
t1n0m3n said:
Insurance on anything that depreciates like a smart phone is a scam. I would never and have never gotten phone insurance. I keep one old phone at all times just in case this happens.
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I would normally agree. I've only ever gotten insurance once, and it was for this phone. I also kept my galaxy s3 just in case this very thing happened. But, since i'm on the next program, i'll be damned if i'm paying 600.00+ for a phone that i can't use, even if it means i have to fork out extra for a replacement.
All that said, they actually approved my claim after several denials - nothing ever changed with the paperwork.
Now i just have to keep my fingers crossed that i get a new g3 replacement (or damn near like new referb). I hope it's not a heap of junk replacement like i've read in other stories about asurion.
Now, i've actually heard great first hand things about square trade insurance, cheaper payments, cheaper deductible, and no questions asked claims. some folks my wife and I work with use it and had nothing but good things to say about them, which is where i'll be headed to after my replacement.
*Shrug* Whatever floats your boat. Cracked screen repair for the G3 is about $150 direct from LG. They are going to send the phone to LG to repair it. Probably at a volume discount. They probably make a ~$100 profit on the G3 every time someone uses their warranty. Every phone claim is a profit for the company. If it is not, then they deny the claim. This is why I call it a scam. You are paying them monthly for the privilege of maybe having to let them profit off of you.
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st0nez0r said:
Now, i've actually heard great first hand things about square trade insurance, cheaper payments, cheaper deductible, and no questions asked claims. some folks my wife and I work with use it and had nothing but good things to say about them, which is where i'll be headed to after my replacement.
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Haven't heard of this before, this looks like much less of a scam than the Assurian BS scam.
Interesting! Thanks for mentioning it.
I just get a rubber tpu bumper case and a screen protector and forget the insurance
Hi st0nez0r,
We’re glad to hear that ultimately we were able to get this resolved and a replacement device is on its way to you! This is not a typical experience and we’d hate to lose a valued customer. While we understand that paperwork is never fun we have the affidavit process in place for your protection. This helps prevent fraudulent claims against your account and helps keep premiums from rising. We recognize the cost associated with replacing a device which is why it’s our goal to help our customers save money while also getting them reconnected quickly should they experience a covered loss. In addition to covering physical damage, we also cover liquid damage, loss and theft; where most do not.
While we do use both new and certified-like new devices, keep in mind, all replacements come with a 12 month limited warranty. Should you experience any warranty failure, we’ll replace the phone at no additional cost.
We appreciate you sharing your experience, as it helps us to improve the services that we offer. Please let us know if you have any other questions or if we can be of further assistance.
Thanks,
Asurion Social Media Team @AsurionCares
www.phoneclaim.com
AsurionCares said:
Hi st0nez0r,
We’re glad to hear that ultimately we were able to get this resolved and a replacement device is on its way to you! This is not a typical experience and we’d hate to lose a valued customer. While we understand that paperwork is never fun we have the affidavit process in place for your protection. This helps prevent fraudulent claims against your account and helps keep premiums from rising. We recognize the cost associated with replacing a device which is why it’s our goal to help our customers save money while also getting them reconnected quickly should they experience a covered loss. In addition to covering physical damage, we also cover liquid damage, loss and theft; where most do not.
While we do use both new and certified-like new devices, keep in mind, all replacements come with a 12 month limited warranty. Should you experience any warranty failure, we’ll replace the phone at no additional cost.
We appreciate you sharing your experience, as it helps us to improve the services that we offer. Please let us know if you have any other questions or if we can be of further assistance.
Thanks,
Asurion Social Media Team @AsurionCares
www.phoneclaim.com
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This was quite unexpected but appreciated.
Honestly, In terms of cellphones, dealing with Asurion was one of the worse experience I've ever had in the history of owning a cell phone. While I understand the need for paperwork and whatever various methods you use to combat insurance fraud,
beyond those measures is where I had the real problems:
Dealing with rude/obnoxious customer support representatives (just one, but one too many.)
The run around game. Sending me to an AT&T store to obtain info, then to be belittled by another rep for doing what I was initially asked to do. (referring to the same rep as above)
Lack of information and communication during the process. In some cases I didn't get a call or email explaining why my claims were initially canceled. I had to call back for that info.
The website is not all that great either. one example would be filling in your first/last name, phone number, email, and social just for an update. How about a tracking number process or something.
No option to contact/talk to support after paperwork is submitted for review. If you have questions/problems you can't speak to anyone during that process. You're greeted with a phone message stating your stuff is under review and that you'll be contacted. then hangs up on you. I guess this is in place so work can actually get accomplished without being overwhelmed by calls, but still...
In the end I did receive a brand new replacement device. The return process was also a snap.
I've learned my lesson at any rate. I invested the extra money in a spigen slim armor case and tempered glass protector.
Thanks for replying to this post.
I almost had a similar experience with Asurion, but ultimately a good one. It all started with initiating my claim over the phone, just to discover no record of my claim upon following-up. The follow-up rep offered to resubmit or direct me to the website, where I'd be able to print documents required and receive confirmation/ updates upon successful submission.
After downloading, printing and competing the affidavit, I was able to scan and upload, along with my ID. This took less than 15 minutes.
I had a brand new phone, shipped from AT&T within a couple days. I've been a wireless dealer, and the Asurion representative's explanation about hurdles preventing fraud are entirely valid. The $200 deductible + my first monthly premium is not a scam- they ate maximum money on my claim, particularly as my replacement was NOT refurbished. I'm still only paying AT&T for one phone. Asurion bought the majority of the other. My deductible will be used to minimize the loss, likely through repair and reuse for a future claim. Loss/theft is an even bigger loser. Their money is made from premium revenue that exceeds claims expenses.
While it sounds like they could tighten up their call centers, if Asurion has replaced your $600 phone, they've certainly not robbed you.
Sent from my LG-V410 using Tapatalk
This is why I never use the carrier insurance it sucks and the more the customer service... All my devices I always go with SquareTrade, only $5.00 a month and $75.00 deductible.