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Did you buy the AT&T insurance with your phone?

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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Click to collapse
They replace it with a Captivate...

qwertyaas said:
They replace it with a Captivate...
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Click to collapse
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]
Click to expand...
Click to collapse
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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Click to collapse
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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Click to collapse
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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Click to collapse
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.

Cellhub anyone?

Has anyone in here ever deal with cellhub when buying ur G2X?
They have the phone on sale for $69.99 and I'm looking at a possible buy here if they r legit.
Ur input will b great appreciated.
Sent from my HTC Vision using Tapatalk

They are scum of the earth!
Basically I went through 2 G2X's with them. It wouldn't have been so bad where it not the fact that it took about a week to ship the phone to them and get it back and by the second one, I was worried that I may not want to keep the T-Mobile service so I just gave up and decided to buy locally. The problem was that Cellhub wanted a restocking fee for the SECOND defective phone of $25, then they charged me $10 for the pleasure of having to send the brick of a phone back, AND I had to pay for shipping($15). So dealing with that much hassle with Cellhub on a phone that is known to be defective (Come on, we all know this, the issues this phone has given me led me here) is just not worth the "savings" you'd get. I wasted $50 on literally nothing thanks to cellhub. A week later I went to a local T-Mobile store and it looked like Cellhub somehow screwed me over with Tmobile and I wasn't allowed to get the phone for the upgrade price. So if I wanted it at the store it would have cost me full price! Basically Cellhub was trying to blacklist me with T-Mobile. T-Mobile was great and we cleared it up (seriously, best Customer service for cell phones, I really hope At&t is denied to purchase them), but it soured me from ever buying from cellhub or even hinting at someone to buy it from there. If I could prevent one person from going through the hell I went through, I will be more then happy to write my story down.

I just placed my order.Let's c what kind of dirt they give me.If phone don't get shipped out today I'm cancelling my order.
Sent from my HTC Vision using Tapatalk

My experience has been fine. They have done everything they've said for me.
They sent me my first return w/no problems. The 2nd return, they deferred to T mobile. But he was nice about it, explaining that that is the process. He made sure I had no questions. Also made it a point to tell me to get back to them if I had any problems with the 2nd return. The credit for the free activation won't show for three months or so.
I did have to pay for next day both ways, but that was my idea and my decision. They were gonna send it 2 day. I had a loaner from T mobile that was crap and did not want to wait a week.
I'm not sorry I went through them myself. I would do it again. They are selling this phone for a good price. I always get a real person quickly, which I love. It isn't their fault I've had problems. My daughters G2X is problem free.
It must suck to be an authorized G2X DEALER right now. There sure are a lot of returns.......never mind the standard BS that is sorta inevitable. But I can personally recommend cellhub. Of course I try to be uber friendly and respectful. You definately get what you give.

ickster said:
My experience has been fine. They have done everything they've said for me.
They sent me my first return w/no problems. The 2nd return, they deferred to T mobile. But he was nice about it, explaining that that is the process. He made sure I had no questions. Also made it a point to tell me to get back to them if I had any problems with the 2nd return. The credit for the free activation won't show for three months or so.
I did have to pay for next day both ways, but that was my idea and my decision. They were gonna send it 2 day. I had a loaner from T mobile that was crap and did not want to wait a week.
I'm not sorry I went through them myself. I would do it again. They are selling this phone for a good price. I always get a real person quickly, which I love. It isn't their fault I've had problems. My daughters G2X is problem free.
It must suck to be an authorized G2X DEALER right now. There sure are a lot of returns.......never mind the standard BS that is sorta inevitable. But I can personally recommend cellhub. Of course I try to be uber friendly and respectful. You definately get what you give.
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Click to collapse
So far so good.We'll when the phone arrives.

If you get a working phone CellHub would appear to be great. But a TRUE measure of a company is how they handle returns. I had a defective Core i7 980x (a $1,000 processor mind you) and Newegg did a cross ship without charging me on the new one sent in, all I had to do was send in the defective CPU. The whole process took 2 days and I recieved a return shipping label for the defective product. THATS how you handle returns. Cellhub is a joke by comparison. A true measure of an online store is how they handle returns, not sales. Cellhub is not there for you after the sale, so I would avoid them.

Cellhub vs Newegg is not a good comparison, because Newegg offered ****ty customer service when it first started too, only until a few years ago they got a lot better in order to compete with amazon's customer service.
I bought my G2x from cellhub they are okay. I was very lucky to be one of the few to receive a non-defective unit. So hopefully you will get a non-defective device. But since G2x has so many quality control problems I would not have bought it from cellhub because if anything is wrong with it you would have a headache with the return (any online retailer that is). I would have suggested you to get it a local tmobile store because you can drive to the store and ***** at them versus an online retailer you cant really do that much.

I ordered 2 cell phones from Cellhub about 6 years ago. First issue was that I was switching carriers and porting my number. I was assured that my old phone would work until I got the phone and had it switched myself. Not so, the numbers were switched immediately before the phones shipped and my wife and I had no phone service until our phones came in over a week later. One phone was fine for 2 years until we quit using it. The other was an obvious refurb that they honored with the 1 year warranty, but I had to send it in for repair through whatever service they used. I had to send it in twice times for different issues. First was it stopped installing anything I had bought and downloaded, which I dealt with until the bluetooth stopped working. After that the screen died. Then 3 days after my warranty expired the keys quit working and I was out of luck. They wouldn't do anything about it even though it was obvious there were issues with the phone before and I had sent it in twice before for a couple weeks each time. Not that I expected that they would do anything even though it was three days, but it did guarantee I will never go back.
Hope your experience is better and that they have improved since then.

They haven't...
Sent from my LG-P999 using XDA Premium App

Well, I knew what the return terms were when I bought them. I made sure to check the return policy. So the return shipping, while I see your point, wasn't really an issue for me.
I'm more concerned with how much of a fight it is to make the return. They exchanged the first one quickly and with no hassles.
I knew that going mail order was a bit risky. But as I said, I've been pleased with cellhub. From my experiences with them, they've been very helpful and professional.

rauelius said:
They are scum of the earth!
Basically I went through 2 G2X's with them. It wouldn't have been so bad where it not the fact that it took about a week to ship the phone to them and get it back and by the second one, I was worried that I may not want to keep the T-Mobile service so I just gave up and decided to buy locally. The problem was that Cellhub wanted a restocking fee for the SECOND defective phone of $25, then they charged me $10 for the pleasure of having to send the brick of a phone back, AND I had to pay for shipping($15). So dealing with that much hassle with Cellhub on a phone that is known to be defective (Come on, we all know this, the issues this phone has given me led me here) is just not worth the "savings" you'd get. I wasted $50 on literally nothing thanks to cellhub. A week later I went to a local T-Mobile store and it looked like Cellhub somehow screwed me over with Tmobile and I wasn't allowed to get the phone for the upgrade price. So if I wanted it at the store it would have cost me full price! Basically Cellhub was trying to blacklist me with T-Mobile. T-Mobile was great and we cleared it up (seriously, best Customer service for cell phones, I really hope At&t is denied to purchase them), but it soured me from ever buying from cellhub or even hinting at someone to buy it from there. If I could prevent one person from going through the hell I went through, I will be more then happy to write my story down.
Click to expand...
Click to collapse
So you wanted to exchange a defective phone and Cellhub wanted to charge you $25. restocking, fee, $15.00 shipping, AND $10.00 (for what?) for a total of $50.00 for an exchange.....for a defective phone....that was still under warranty?? Boy, I'd be pissed off.

Hence my hatered of cellhub, I spent $50 on nothing. I filed a complaint with the Better Business Bureau in long island against them. Cellhub is pure scum.Avoid!!!!
Sent from my LG-P999 using XDA Premium App

Horrible Customer Service Experience Tmobile

I want to put as much emphasize on this story as possible because I really want some useful advice. 2 days ago my phone was stolen. Since then I have been trying to get a phone because I run a business and by now 3 days I have lost half a grand easily.
Last month I switched my phone from a 2 year contract to a prepaid month to month plan. At this point tmobile does not offer insurance on the phone any longer. This is important because after paying $140 per month for this phone with insurance, the month I switch to the $50 per month plan it is stolen and tmobile says, "o well".
I said can I buy a new phone? They said no because you still owe us money for switching the phone to prepaid and $150 on the actual phone itself. I did not pay the money to switch because the previous month I had the money the lady on the phone said she would take care of it which I thought meant since I never actually left the company they werent charging me to change plans...not the case after all, but do not find out until my phone is stolen.
I had an HTC Amaze for the record. So I went home and called tmobile. I was on the phone about 25 min before the connection became so bad I asked for them to call me back. They got the phone number and then never called. I had been transferred 7 times by this point. I called back and explained I was very frustrated. They transferred me to a specialist. This lady had me on hold about 20 min. Finally she said we resolved the $200 fee but you still have to pay the $150 on the phone. I paid the $150 and she asked me if I want to buy the new phone now? I said no because I wanted the phone immediately so I would go into the store to buy it.
I got to the store and they said I still owed $200. Even if the $200 fee was resolved he told me I cannot get the discount on the phone I wanted and that I have to pay the full price of $600 because they do not give a discount on their phones more than 1x per 2 year contract! Even on a new line. So I was going to buy a cheap phone and he said he could keep my old number and use this cheap phone until I could buy the phone I wanted later. I told him the Staples accross the street sold phones if I could ask them if they sold me a phone for cheaper they could activate it. He said it would probably only take me 30 sec to go check and to see.
I got back to the tmobile store in about 2 min and he had gone on his lunch break. I waited about another 20 min before another associate helped me who did not have the same deal with a cheap phone he told me about. In stead of $160 total for everything he wanted to charge me $200 for everything. I was there for 2 hours and by this point I am extremely upset and I want to leave tmobile.
This is not my first bad experience with tmobile. I have been unhappy since I joined. There is no complaint department. You have to write out a letter and mail it in. I left out some details of why I am so upset because the bottom line of the story is I am just completely unhappy with tmobile. They treat you like you are nothing without them, and will be fine without your business. This may be true but I have been paying almost $150 per month for almost 9 months and now they want me to pay $200 when I am not even leaving their company, then my $600 phone which is fully paid off is stolen they not only do not help me, but they are rude and go on lunch after he told me to go ahead and check which would only take a matter of seconds. I ran to the store and back and he was on a 30 minute lunch, I am just unhappy with the whole company. I will not even go into details of when I was having trouble with the phone during the previous 9 months.
What I want to know is how do I leave a phone company without paying their fee. Its not right, I am leaving because their service is so unsatisfactory in my area, and now I need help they not only do not help but want to charge me full price to get my line back. If I switch to another company can I still keep my same number? I need the same number for my business and I would much rather not stay with this company. Could anyone recommend any links with information, or which service providers you prefer? Thanks.

Assurion Insurance for SIII

I was wondering what would your opinion be on this for the SIII, its my first time with a contract, before i just traded phones, but i bought insurance just incase something happens and the duductible isnt all that bad! just wondering if they are a good company all together and worth it for my S3 incase it breaks!

Yes well worth it
Sent from my SCH-I535 using xda premium

Might as well get it if phone is brand new
Sent from that young galaxy.
God bless the American people.

For me I personally do not believe in the whole insurance/warranty services. Examples being Asurion (Insurance) and SquareTrade (Warranty). Also to me carrier warranties are also bull.
Asurion $7/month $99 Deductible
Covers damage/lost device
SquareTrade $7/month ($125 2 years) $99 Deductible
Only covers repairs not lost device.
Manufacturers Warranty
12 Months FREE covers any manufacturers defects
For me why would I pay $125-175 + $99 if anything happens to my phone. So I am looking at $2-300 dollars if anything breaks or I lose my device. For that price I will take the risk. If my screen breaks I will use $50 to replace myself or pay a shop $80 or a $99 deductible. Mechanical problems with antennae/physical buttons I will pay a shop $120 to fix it or a $99 deductible. Did I lose my phone on the beach? Guess I will have to buy a generation behind, and get a used device on craigslist for $2-300 or a $99 Deductible.
Either way you are paying 2 years of insurance, and a deductible. You are better off just saving your money, and buying a decent slim case like a UAG. Unless you plan on regularly losing your device, and running it over repeatedly (to which I would assume they limit) then do not fall for the scam of insurance for your cell phone.
The way I see it if it does not fail within the first year the manufacturer made it just fine, and with normal use my phone will last me just fine. I would rather keep my $300 on hand in worst case scenario than give my money to another company.

Yeah if you're a pro that works for the usually rookie to android's world it wouldn't. Not everyone can do it all like you and I. That's why I recommend coverage . I've already replaced mine three times and haven't spent a penny... If you brick it on purpose they won't charge you anything... Just saying
Sent from my SCH-I535 using xda premium

2 replacements a year
i believe assurion limits you to 2 replacements in a 12 month period...

I go with best buy and never had a problem . Yes I know I'm paying 10 bucks a month, but to me that's better than paying some shaddy phone repair shop. I already have used them one time since I got the phone because I some how bent one of the usb pens. The repair process was fast and easy only had to drop the phone off and pick it up .

daavy said:
i believe assurion limits you to 2 replacements in a 12 month period...
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Click to collapse
Asurion limits you to 2 replacements for physical damage/theft/lost although you can get unlimited warranty replacements. IMO it's worth it for the warranty portion alone. If you're not worried about losing it or physically damaging it, just pay the $1.99 per month for the extended warranty. If something goes wrong with your phone after 12 months you're SOL whereas if you at least have the $1.99 you can get a cert-replacement.
I usually tell people to use either insurance or extended warranty for 20 months, after that you can drop it off your plan since at that point you'll be eligible for renewal.

I hard bricked my phone. Told asurion it was lost. Paid $99. Not rooting the replacement. If you play with ROMS it's worth the money.
Sent from my SCH-I535 using xda premium

If you're messing around with your phone a lot and somewhat of butterfingers like me , get insurance!
I cover all my electronics with SquareTrade; reliable and cheaper.

Personally I have signed up for the insurance, and have gotten good use of it as well. Yes, you can find a used on on CL or ebay, but you dont know the condition of it.
Plus they overnight you a new phone as soon as you make the claim, and are not tied to finding the best "deal" in short notice. Once you are out of contract and IF you keep your phone (dont upgrade right away), I might consider getting rid of the coverage.

How about the replacement phones? what are the chances of getting a new device? and chances of choosing a different device? and customer service

I had my phone a month. It was rooted with another rom in it. I got drunk at my birthday party and had the phone in my swimming trunks pocket all day. I forgot it was there and I jumped in my pool that evening. After about 5-10 min I realized what I'd done. I used rice to help dry it out over a couple days. It would power up but the screen would not come up. I was able to Odin it back to stock and sent it in to Assurion. No questions asked what so ever on the replacement.

djteotancolis said:
How about the replacement phones? what are the chances of getting a new device? and chances of choosing a different device? and customer service
Click to expand...
Click to collapse
I had to file a claim this past November and was sent a new in box S3! I doubt that is typical though.

My kid did a number on my wifes phone the casing was cracked all the way around, took about 5 minutes online at 7pm last Friday night, by 1245pm the next day, Saturday. Brand new phone, SIM, and battery. It was well worth it.

djteotancolis said:
I was wondering what would your opinion be on this for the SIII, its my first time with a contract, before i just traded phones, but i bought insurance just incase something happens and the duductible isnt all that bad! just wondering if they are a good company all together and worth it for my S3 incase it breaks!
Click to expand...
Click to collapse
Assurion sucks!! Takes 3 days to arrive, ALWAYS REFURBISHED! Covers everything but cheaper alternatives exist. If your not prone to losing your phone, get a zagg, otter box and don't waste your 7 bucks a month PLUS 130 dollar deductible.
Sent from a Shaftamle Galaxy S3
Hit the "Thanks" button if I helped you!!
---------- Post added at 08:15 PM ---------- Previous post was at 08:13 PM ----------
djteotancolis said:
How about the replacement phones? what are the chances of getting a new device? and chances of choosing a different device? and customer service
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Click to collapse
Zero chance of getting a new device and not a chance of picking a new one. I used to work for them.
Sent from a Shaftamle Galaxy S3
Hit the "Thanks" button if I helped you!!

Asurion is absolutely amazing. Their customer service is great and they're fast, easy, and helpful. I was visiting my friend who goes to a different college a few hours away and i lost my phone at some party. i waited a couple days in case it was found....which it wasnt. I called up Asurion and told them everything that happened, I filed for a claim and the next morning they said they would be able to send out a new phone and all I had to pay was the deductible. I got the phone within 48 hours, so I DEFINITELY recommend Asurion, they literally cover ANTYHING, whether it's water damage, broken, or even if you lost it.
and i know many people are thinking that they could just CLAIM that it's lost and get a new one by paying just the deductible. noooo that is not possible (at least i dont think...), because you have to provide your imei number, so they can block it from being used

I've had nothing but good experiences. I have 5 lines and have used them for insurance for at least 5 years. I've had to make at least 2 claims a year (well I've never had to but for the other 4 lines) and I've always had great customer support, overnight delivery and a new phone. The only time I've had a "problem" is when they didn't have a Inc2 in stock and they sent my wife a DROID RAZR.
Sent from my SCH-I535 using Tapatalk 2

I had a bad experience with them just a couple months ago and posted a thread about it here you could search for. They basically said it would be a week or two before they could send me ANY replacement at all - they gave me zero options to choose from after telling me they were out of the S3. After a few calls and couple hours of threatening them, they finally offered to reimburse me if I went out and bought a brand new one. Decent result, but really had to fight for it and took a lot of hassle (and I definitely started off politely asking for any options aside simply waiting for a couple weeks without a phone).

Key word: Refurbished.
Sent from a Shaftamle Galaxy S3
Please hit the "Thanks" button if I helped you!

The "insurance" at Best Buy is changing 9/1/13

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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Click to collapse
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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Click to collapse
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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Click to collapse
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