insurance? - General Questions and Answers

a bit off topic but i want to know the policy on insuring second hand phones.
i bought a seoncd hand phone from someone they included the original receipt they have for it within the sale.
i want to insure it but seem to keep finding that its only possible to get insurance for new phones. does anyone know if this is true or if there are ways to insure a second hand phone.
i mean i understand the imei will be registered to that person but then the fact i have the original reciept doesnt that prove that they did sell it on to me and that i havent just found the phone.
i was insured through my bank (lloyds tsb) on my old phone which was also bought second hand and all they did was ask for the imei number and the phone model.
this new phone is the ascend p6 which is new hence under manufacture warrenty for 2 year, but bc i've bought it second hand it seems to be void and even if i pay insurance i still cant get insured on it - which tbh i dont really understand at the end of the day i'm still paying in.

Related

Refurb ripped on ebay

Hey guys
So I ended up buying off of ebay, made the huge mistake of buying from a "newer" seller. It came in the mail, and a few things wrong with it
a) no car charger like the ad said (altho he said he'd put it in the mail asap)
b) it was in a tattered ATT box that was not like the new box from the ebay ad
c) black marker on the box tries to cover the fact that it says "refurbished kit" (I can luckily read through the marker)
So paypal has withdrawn the funds for now (on the circumstance that they actually double charged my credit card and withdrew both funds again until this is resolved). So hopefully this means I got some leverage here.
I basically told him:
"I will credit payment back, however would
like to receive the car charger as per the ebay ad, and at least have
you admit that you did not send me a new phone but rather a
refurbished one, in a box that was not as shown in the ad. We can
then either agree upon a new fair price, or I will delay the payment
until the dispute is resolved through paypal."
What would you guys think is a fair price for a refurbished one? I paid 375USD$ (355 + 20 shipping) or 410$CAN
He is said to now make it 340$?
is it worth it to still be dealing with this guy at all?
?
how much would a refurbished go for in comparison to a used att tilt?
Who was the seller? Do you have a link to the completed auction?
I sold a buddy's old Tilt for about $400 locally, so I think a $375 shipped price for a factory refurb is still a good deal. I still remember selling a brand new one only opened for unlock for $650, but that was awhile ago, haha.
~Cheers~
hi
what are some things i should be cautious of refurb?
i wanna check and make sure everything is working before i continue negotiating/paying him
it seems that sometimes it does not read the touch screen (or is slow to detect)
does this happen normally?
Go90go said:
Who was the seller? Do you have a link to the completed auction?
I sold a buddy's old Tilt for about $400 locally, so I think a $375 shipped price for a factory refurb is still a good deal. I still remember selling a brand new one only opened for unlock for $650, but that was awhile ago, haha.
~Cheers~
Click to expand...
Click to collapse
I can't imagine why someone would pay $650 for a Tilt, even when they were brand new they were $549.99 without contract.
it would help if you told us what kind of device you've bought (i've read AT&T and refurb. but no device name)
Xtreme XL said:
it would help if you told us what kind of device you've bought (i've read AT&T and refurb. but no device name)
Click to expand...
Click to collapse
It's a Tilt, he says it in 2nd post.
I'd go for between $320-$350 and no higher, non-negotiable! The ad is different from the actual product, your missing parts, and the other crap you have to deal with.
Refurbished should work just as well as a new device, sometimes a refurbished works better than a new. It's a gamble either way since you don't know what the seller has done with it. Pull up some system info on the device and see if it's stock info. Also, is there any physical damage?
TILT
yes its an HTC tilt
there is no physical damage and it looks good
"Pull up some system info on the device and see if it's stock info"
how is this done?
he also claims that their is still a one year warranty....if i send it back to ATT they will send me a new one. Is there a way to verify this?

[Q] Question about HTC Global Warranty

Sorry if this can't be asked here.
My question is, what is the extent of the coverage? Any details at all if possible from anyone who's had their phone physically damaged without warranty from the seller.
My situation is: bought a Touch HD from clove.co.uk a month ago, without insurance, and my dog just recently destroyed it . I called the north american service hotline, and heard my case, and suggested I call the hotline for the country my phone came from. Which I'll have to do tomorrow as theyre only open 8am - 8pm eastern time (im in CA).
So please, anyone with a similar experience, please let me know what can be done. Bad news or good news, doesn't matter.
Oh then the guy said "happy holidays".
Hi. Wow expensive chew toy! I will tell you from experience HTC is the absolute worst company I have ever had to deal with especially for warranty! I swear they will do everything in their power to avoid honoring the warranty so be careful how you answer their questions.
One example: I bought a used HTC S710 off ebay that was only 2 months old but had some keys that were not working right after about a month. Seller even gave me a copy of his original receipt showing it was under warranty which had 9 months left by time I realized the problem. First guy I talked to said it had to of been damage I caused or accused me of getting it wet but I didn't think that was the case. I know I didn't do either & it had been working for awhile & either way you'd think it should be covered under warranty within the 1st year or they'd at least look at it. When I brought up if it would be covered under warranty he said it depends on if it was damage I caused or not. Next guy I talked to asked if I had the original receipt & if I was the original purchaser. I said yes & no. Then I was told it was non transferable & only good for the original purchaser. I asked the seller if he'd mind sending it in for me & he said sure no problem. Well the next HTC guy said the warranty was invalid because they knew the phone had been resold. (It seems they take notes when you call in) They said they'd be happy to look at it but it'd be at least $80 & could be $120 for keypad issue & maybe much more depending on what the problem was, it could even hit $200 which is almost as much as I paid for the phone! I asked about buying parts & they send they don't sell to end users. I do some computer support for a company that sells & repairs cell phones (Sprint/Nextel) & had them contact HTC to find out they couldn't buy parts either. Run around left & right. I ended up buying replacement parts on ebay for like $30 & fixed it myself. It was a pain but it worked & I didn't give them my $. I swore I'd never buy another HTC but here I am with a Touch Dual & a Fuze. lol
I've read similar horror stories on the net so I know I'm not alone. Moral of the story is don't rely on HTC to honor any warranty & if they do you are one lucky SOB. I highly doubt they are going to cover yours if it is obvious it was chewed on (or dropped or run over or sat on or got wet etc) as they'll say it was abused & not a manufacturer's defect & therefore not warranty. (Not sure any company will cover such things, that is what insurance is for. lol) Odds are they'll gladly offer for you to ship it to them & they'll fix it for a fee but you might be better off cutting your losses now & selling it as-is for parts & buying a replacement. Along with some raw hide bones for yer pooch.
Good luck!
Bill
Ah, figured as much.
Yeah I don't put any faith at all into manufacturer warranties, I just wish they had hearts . But really, this blows and the irony is that earlier I was telling myself, after weeks of tweaking, that I'd lose some hair if I have to hard-reset anytime soon.
Looks like that statement was taken to the extreme....
sp8805 said:
My question is, what is the extent of the coverage?
Click to expand...
Click to collapse
I wanted to buy my device abroad, and lucky me, I called reseller here.
Answer was "Warranty is valid only locally", meaning only in my country for device bought in my country!
And sorry to say, damage caused by a dog is not covered by warranty! At least here...
http://www.crc.id.au/2010/11/25/htc-when-warranties-go-bad/
Adding my bit to the piece. Even when its a genuine fault, they are still hopeless.

[Q] General Question about Verizon/Ebay

If I buy a NEW phone on ebay (example HTC Touch Pro or Blackberry Storm), and it is defective, could I go to a Verizon store and return or exchange it without a receipt (assuming I still have the box).
Does anyone know if this is possible?
Hi. Keep in mind I'm sure they track serial #'s / ESN's & such so even if they are nice enough to exchange it (which I've never had the gonads to try) you run the risk that the phone was reported stolen, is under contact on someone else's account or who knows what, you're standing there with your pants down. Then again I suppose they wouldn't let you activate the phone on your account if those were true.. (Sorry I've been in the GSM world too long where you move your SIM as needed.) Anyway I'd say you're taking some big chances there since they surely link phones with accounts or service it was purchased with. I'd love to hear of anyone who has succeeded in this.. It's not like you're buying a toaster & returning it to Kmart for a merchandise credit or something. lol
Bill
by the phone being on someone else's account, does that mean for example they bought the phone at the 2yr contract price only to turn it around and sell it on ebay for profit?
The ebay buyer did nothing wrong in that case, the ESN was clean and ebay purchased cells are easily activated.
thanks for responding.
Yeah that's what I meant but you are assuming best case scenario.. As I said who knows, the phones could have been stolen from a reseller or dealer (I do computer support for a sprint/nextel dealer & they've had many stolen even by employees who turn around & sell them on ebay. The store definitely figures it out eventually & they get reported as stolen & flagged. Maybe within days or weeks or months.) or who knows. That is one of biggest risks of buying off ebay. You may not know the history. Not trying to scare you just saying remember you'll be the one in the store holding stolen merchandise. Again, you risk the same trying to add the phone to your account so I guess they'll track you down either way. lol
As far as your original question, I wish I could say I knew but I don't. I assume there is virtually 0 chance of a return with refund and only a slight chance of an exchange assuming the phone is not flagged & you have a good story. Maybe someone else could chime in who has tried it. Again we are talking expensive phones normally bought with a contact linked to an account so easily traceable so don't be surprised if they scan it in & call you by the name of the guy who sold it to you. lol
Bill
It's just amazing that Verizon makes it so hard to upgrade your phone before your contract is up (even if you're willing to pay full price!!). The only way you can really do it is by buying a phone off of ebay and activating it yourself.
Yeah I'd imagine. That is one nice thing about GSM: Just move your SIM, assuming the phone isn't locked to another carrier which is usually pretty easy to get unlocked. I have bought about 50 phones off ebay (That would have been like 2 had I needed to call AT&T every time I wanted to switch! lol) & for the most part I've had pretty good luck with some duds. (Incompatible model missing 850 band, broken or more worn than expected) If you are in a pinch you might not have much choice but just make sure you buy from someone with high & good feedback & you should be OK. Better yet make sure they have a good return policy or even their own warranty. Not sure if the trick will work for you but I've bought 'Pay as you go' phones & put my SIM in when I needed a phone quickly. Maybe verizon has such a thing too but the prepaid phones are usually pretty awful. Of course there is a chance they'd refuse to add it to your account too. Buy yeah I wouldn't chance buying something on ebay hoping you can return to the local store if needed. I'd say buy new & hopefully sealed, not used (especially for expensive phones unless you want to risk it. Of course you can always try selling back on ebay if needed) from a good seller like I mentioned above & you should be fine. Btw the other thing to consider is go to an authorized Verizon dealer (vs a real Verizon store). You might find them much more likely to work with you on selling you a phone without a contact. I know they make big bucks signing up people but if you're willing to pay retail for a phone I'd imagine they won't turn you away especially if you suggest you'll be back when renewal time comes.
Bill
Ok, so believe it or not, I called Verizon and the rep told me that even if you don't have the original receipt, the verizon store uses the proof of purchase barcode to tell when the item was purchased. If your item is defective you can exchange it, and she even said in some cases they'll even let you put the money towards a new phone, although they prefer to have a receipt.
I'm shocked as I thought they would have a very strict return policy.
Also, any cell purchased in the last month is returnable until Jan 15, which means blackberry storms and htc touch pros and omnias bought on ebay can simply be returned to a verizon store if they are defective!
Wow! Did you get that in writing? lol Guess they have a very lenient return policy. Sounds like they do track them big time but instead of holding it against you they actually HELP you with the info. Geesh, if that really works I'd say they have some killer customer support policies! Makes me want to break a phone to try it & see. Then again I'm on ATT & they'd prolly laugh as they escorted me out the store. :|
Good luck with that, I'd love to hear follow up if you end up needing to try it but then again I'm sure you'd rather NOT have to try. Anyone else ever actually do this with any carrier?

Bought a second G Tablet as a gift.. Should I have bought insurance on that?

Whenever I buy an electronic devices I always purchase insurance. Very rarely do I use them as my devices never really mess up. LOL! I still have an original PSP from when it came out, never used the warranty/insurance on that one.
Being as this is the second G Tablet I have bought(one for me and one as a gift), I did buy insurance for mine(2 years).
I asked the Sears cashier if I theoretically owned two and one had insurance, can I use the insurance for the one I have? He was puzzled at my question and responded with? "No because it is one insurance for one item" I asked him that when people return items, do they go by serial number or item number to verify an item? His response was "We go by stock number, but if something happens and the screen doesn't respond or it wont turn on anymore you can ship it to us for free and we'll exchange it for a new one if it is covered" So again I asked him my questions but a little bit differently this time and asked "So if I bring one and its messed up and have insurance on one of them, does it matter which one I bring?" He was perplexed and could not respond to that question and just said "Well try it, just make sure one of the items is not opened(sealed) and try and return it using your insurance. But if there isn't a problem we cannot exchange it for a new one, you can only get a refund.". I ended up topping my questions with the manufacturer's warranty and thats when he said "Well for those are when the serial number is required, but we don't handle that. Well if you are unsure or it turns out you cant use the insurance on both, bring the unopened within 30 days for a refund, they just rebuy it again with insurance"
IDK if the guy knew exactly what I was talking about because his smile turned upside down when I rejected the insurance and asked him about the loop hole. So gain, I would love some personal experience on this matter. Should I have bought the other insurance too? Or should I test and exploit this possible loophole. I am just saying because $57 is $57 and I have been duped lots of times for insurances that I never really used (except on my old G1 and Xbox 360-RRoD). I know that on the 360 they go by serial and that's probably because its Micro$oft.
Sorry for the wall O' text! and thanks for any answers!
I never, EVER buy insurance on electronic items. The way I see it, if the item lasts through the first 30 days without issue, it's likely to go a long, long time. I also use a credit card which automatically doubles the manufacturer's warranty at no charge.
If you had saved what you have likely spent on extended warranties for every item you have ever purchased, wouldn't you have plenty of money to replace any of those items by now? The reason why retailers push extended warranties so hard is because they are virtually pure profit. Heck, I usually get the itch to upgrade an item long before it quits working, so again, all of that money would have been wasted for me. To each his own.
I just bought my G Tablet at Office Depot for $369. Insurance would have been $119.
At that rate, I'll take my chances.
I like your chances of "splitting" the insurance as well. They'd never go by serial number to check.
Wow that's some pretty expensive insurance! Well I was looking over my insurance receipt and it looks like I was right! They only use the UPC number(item number) for exchanges and insurance. On the insurance policy it just ask for my receipt # and UPC# on their website. I saw no reference to the serial number anywhere. Win for me. I know I'll probably never damage or mess up my tablet, but the gift recipient might.
Thanks anyway, I might look up into those credit cards you guys mentioned.
I worked in both Tools and Electronics at Sears from 2000-2005. They changed registers since then, so I'm not sure how much has changed (based on the menu's I've seen, not much), but other than consoles (as mentioned) everything is strictly based on stock numbers, so in theory it should work.
Now, I think in part to combat this, and to combat construction workers from abusing this, you actually can only use the warranty once.
http://www.searspurchaseprotect.com/tnc/tnc_national.aspx
"This Plan will be fulfilled and the Term shall expire as to each Covered Product when a product reimbursement or product exchange is made for that Covered Product after the beginning of the Term"
Horray for lawyer speak. Honestly I would be surprised if many register jockey's knew anything of this. I only recall this coming up once in my 5 years there.

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.
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