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I've been looking around for a good insurance deal for my desire. I want to pay for it annually, not monthly I found this deal with insureandgo it's £26.01 for the year it covers me for:
accidental damage, theft and Accessory cover of £50 which is all i need.
i wanted to know if this deal is any good and has anyone found a better deal ?
Link: http://gadget.insureandgo.com/
Thanks
Ive been looking around for insurance too and that seems better than anyhting I can find. Although I'd go for the £42 version just to be safe
What about ringing up your home insurance & asking them how much to have it added?
That is the insurance I purchased, went for the platinum package at about 40 quid as it seems to be the best price and you get all the cover you need.
Im covered by my home insurance, but my bank account also has mobile phone (inc Iphones, PDAs) cover with no excess.
I use my bank phone insurance and have a third party insurance for airtime abuse which costs me £2.49 a month, because I'm a sucker for believing I need things like that.
My bank insurance is excellent though, and considering it's included in what I pay for all my other extras with my account, a very good option.
So, I'm curious about this. How many of you have insurance on your GNex? If you do or you don't, are you subsidized or did you pay full price for your device?
I've never smashed a device, dunked it in the toilet or damaged something to the point to where I need 3rd party insurance. If I paid $7 every month for insurance on every device I've ever had, I would have wasted almost $1000!
Buying insurance from Asurion/your carrier is pissing away money. Full stop. If you want damage protection, there are far cheaper alternatives. Squaretrade is highly rated, but there are cheaper alternatives still. Your credit card may have protection for free.
ATnTdude said:
Buying insurance from Asurion/your carrier is pissing away money. Full stop. If you want damage protection, there are far cheaper alternatives.
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I agree, totally agree. I also take much better of my devices when I buy them unsubsidized. My Vibrant is nearly 2 years old and it's in mint condition other than a couple of microscratches on the bezel from taking it apart so many times.
I purchased a $129.00 full coverage insurance for the full 2 year period. As an added bonus, the insurance will buy back the device when I'm ready to upgrade in 2 years for $175 guaranteed.....and it covers every scenario that could occur in that time period, unlike Assurian.
Sent from GNexus w/CM-9 & franco.kernel
Asurion and SquareTrade both have a $99 deductible for phones. At $7 a month, that's almost $200 in the first year for Asurion. Easier to buy a used phone at a pawn shop or Ebay. The free Lookout app (and others) give you remote locate/wipe. My credit card offers short term loss/breakage protection and doubles the warranty. So why pay?
I don't ever keep my cell phones long enough to warrant insurance.
Also consider AMEX gives you 90 days accidental warranty built in and most credit cards warranty phone for the 2nd year. Unless you are a total idiot who drops phones a lot, there is no need for insurance especially with high deductibles required by cell phone companies in addition to monthly insurance charges.
Just a warning. 3ft drop to the corner of the device when you have no case on it WILL totally shatter the screen. Wife dropped it. $200 to replace the device. Sprint warranty for $11 a month is a joke. Better to get external insurance.`
I sadly don't know how mine broke. Quite fragile if you ask me
Sent from my SPH-L900 using Tapatalk
Best Buy Black Tie Insurance. That is why I don't have one yet, won't get it (or any phone) without Black Tie..And I sell phones, not for Best Buy.
Worth Ave Group. Insurance has NO deductible. Like $70 (guesstimate...but it's really cheap) a year for a $700 policy.
Call them. I have my wife's DSLR insured through them $2500 for $205 bucks a year. Theft is included as well as damage. Stupidly, I had not renewed and added this phone to her policy yet this year as it just expired like 3 weeks ago...and I was going to add her phone and cancel Sprint rip off $11 a month fee.
I'm an idiot for not doing it immediately.
jt513 said:
Best Buy Black Tie Insurance. That is why I don't have one yet, won't get it (or any phone) without Black Tie..And I sell phones, not for Best Buy.
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This. Have used Black Tie for many things, including a cracked screen, have never paid more than the $10/month to cover the insurance.
ZenInsight said:
Just a warning. 3ft drop to the corner of the device when you have no case on it WILL totally shatter the screen. Wife dropped it. $200 to replace the device. Sprint warranty for $11 a month is a joke. Better to get external insurance.`
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Buy a case for the replacement yet?
I know I would rather pay $200 than shell out $650 for a brand new one. I keep the Sprint insurance for the lost/stoled coverage and the in store repairs.
Sucks to hear that it had such a short life
Has anyone found diy screen replacements yet?
Sent from my phone using xda app-developers app
A short drop even on concrete is not guaranteed to cause the screen to shatter. In most instances you'll just get minor cosmetic damage to the case, tough break though...
Now all this insurance talk is pretty interesting. Sprint charged you $200 to replace a phone under warranty? That sucks. Any better options for those of us who purchased through Sprint?
walord said:
A short drop even on concrete is not guaranteed to cause the screen to shatter. In most instances you'll just get minor cosmetic damage to the case, tough break though...
Now all this insurance talk is pretty interesting. Sprint charged you $200 to replace a phone under warranty? That sucks. Any better options for those of us who purchased through Sprint?
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I was looking at squaretrade for 125 for 2 years, and I am thinking 100 deductable. I am curious if best buy will let you buy it after the fact that you got it at sprint?
Best Buy handles the IPhone differently but..As for Android:
You should only buy Best Buy insurance IF you purchase the phone with Best Buy.
Once you buy the phone from Best Buy you have 30 days to add insurance for $10/mo. There is NEVER a deductible. Most phones are on "rapid replacement" meaning that they give you a loaner until your new or newly refurbished comes in in 2-3 days max. They cover water damage, physical damage and even bricked phones from rooting and screwing them up. The ONLY thing they don't cover is lost or stolen.
IMO, I would return the phones to Sprint and grab it from Best Buy. I would have done that myself except I have a Buy Back on my GS2 for ~$220. If you get it from best buy, you can STILL get Sprint's Insurance. While traveling just after getting my GS2 I kept both insurances for about 2 months encase my phone was lost or stolen.
walord said:
A short drop even on concrete is not guaranteed to cause the screen to shatter. In most instances you'll just get minor cosmetic damage to the case, tough break though...
Now all this insurance talk is pretty interesting. Sprint charged you $200 to replace a phone under warranty? That sucks. Any better options for those of us who purchased through Sprint?
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Yep.
http://www.worthavegroup.com/
Way better.
Cell Phone Insurance
2 Years Coverage
Serial Number: XXXXXXXXXXX
Coverage Amount: $599.00
Deductible Amount: $50.00
Price:
$118.00
-$5.90
$112.10 (2 years)
Processing Fee: $5.00
Total: $117.10 (2 years!)
Vs. $200 deductible and $11 per month for Sprint which is $264 (two years).
Sprint= $464 to get back a $300 valued through them phone. I called, you do NOT own the phone after this, and I do not know if I can just cancel the Sprint insurance after using it either.
vs.
Worthave= $167 and they give you $600 back.
I could feasibly run the Worth ave for $600 and if I kept Sprint's insurance pay $200 to replace the phone and keep the remaining $400. unless I have to turn the phone in to Worth Ave group. Then that wouldn't work because I know that Sprint wants the phone when it is being replaced.
But if I had to choose one over the other...Sprint for $464 (over 2 years and plus the $200 deductible) to NOT own the phone...vs...WorthAve at $167 (for a full two years) and I get $600 towards owning the phone which I think costs $700 right now.
Someone correct me if I'm wrong here.
Woooow Worth Ave insurance is amazing.
I just called Worth Ave. If My wife takes 1 single online course. They will give her a college bundle discount with a $25 dollar deductible for up to 4K of insurance!!!!
For...drum rolllllllll
$110 a year. She just has to be enrolled first. Unreal. Best deal EVER.
Oh...and after the course is done...we can keep the bundle package as long as we don't let it lapse year to year after that.
4K of insurance (laptop, phone, camera, lens) accidental damage, or theft...for $110 a year.
Done deal.
ZenInsight said:
Yep.
http://www.worthavegroup.com/
Way better.
Cell Phone Insurance
2 Years Coverage
Serial Number: XXXXXXXXXXX
Coverage Amount: $599.00
Deductible Amount: $50.00
Price:
$118.00
-$5.90
$112.10 (2 years)
Processing Fee: $5.00
Total: $117.10 (2 years!)
Vs. $200 deductible and $11 per month for Sprint which is $264 (two years).
Sprint= $464 to get back a $300 valued through them phone. I called, you do NOT own the phone after this, and I do not know if I can just cancel the Sprint insurance after using it either.
vs.
Worthave= $167 and they give you $600 back.
I could feasibly run the Worth ave for $600 and if I kept Sprint's insurance pay $200 to replace the phone and keep the remaining $400. unless I have to turn the phone in to Worth Ave group. Then that wouldn't work because I know that Sprint wants the phone when it is being replaced.
But if I had to choose one over the other...Sprint for $464 (over 2 years and plus the $200 deductible) to NOT own the phone...vs...WorthAve at $167 (for a full two years) and I get $600 towards owning the phone which I think costs $700 right now.
Someone correct me if I'm wrong here.
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That looks better than square trade as well.
walord said:
Now all this insurance talk is pretty interesting. Sprint charged you $200 to replace a phone under warranty? That sucks. Any better options for those of us who purchased through Sprint?
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How does being under warranty have any bearing on accidental damage? That makes no sense.
And square trade has 40% off if you like them on facebook right now.
walord said:
A short drop even on concrete is not guaranteed to cause the screen to shatter. In most instances you'll just get minor cosmetic damage to the case, tough break though...
Now all this insurance talk is pretty interesting. Sprint charged you $200 to replace a phone under warranty? That sucks. Any better options for those of us who purchased through Sprint?
Click to expand...
Click to collapse
Yeah manufacturers warranty only covers defects to the device not damage caused by a consumer. On a side note about dropping, it either slid off my bed or was something in my pocket, but I some how managed to puncture the bezel right above the s-pen. Perfect hole in the bezel but luckily no screen damage.
I put on an invisible shield type protector on the screen. Figured the sheer size of the screen would lend itself to possible damage. The extra tackiness of the protector isn't an issue, and the drag on the pen feels nice. Every little bit helps. It's one of those soapy water type protectors, fyi.
dbpaddler said:
I put on an invisible shield type protector on the screen. Figured the sheer size of the screen would lend itself to possible damage. The extra tackiness of the protector isn't an issue, and the drag on the pen feels nice. Every little bit helps. It's one of those soapy water type protectors, fyi.
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I refuse to apply any zagg protectors to any customers phones >.< Things are such a pain in my butt.
I actually throw a bunch on at one shot. One on the GN2, S3 and my Cowon S9. It's a touch more fuss than a normal protector, and if it's cut well, lasts a lot longer and is more protective. It's only hard if you skimp on the water.
Final post in here guys for me.
Check out the WorthAve thread. I just put the whole final story in there. You don't have to be in college or enrolled in ANY online class to get their insurance.... 2k worth with a $25 dollar deductible for like $67 dollars a year (using that 15off promo code I found and purchasing online).
Someone actually accused me for working for them. Even though I have been at XDA for over 2 years and have over 600 posts. lol. Whatever. Check out my thread over there...decide for yourself.
I dropped and shattered my screen last night too. EXTREMELY fragile. I haven't even had this phone 12 hours. Sad panda, that's what I am. Does Sprint fix screens? I have TEP, but just had to file a claim on my Evo LTE, so I will get dropped if I file another.
ls3mach said:
I dropped and shattered my screen last night too. EXTREMELY fragile. I haven't even had this phone 12 hours. Sad panda, that's what I am. Does Sprint fix screens? I have TEP, but just had to file a claim on my Evo LTE, so I will get dropped if I file another.
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Called to see if they would replace my screen first...no go. That sucks man. I would say to file the claim, lose your insurance, then get WorthAve insurance in case anything happens again.
And buy a case!!! That was my mistake.
My daughter just got the new S4 Friday. Today she dropped the phone and the screen is cracked. Is there any other way than the $175 insurance deductible?
OR
Is this just a life lesson? She's had it less than 48 hours and the deductible is more than the down payment.:crying:.
I would go for insurance. . Its a new phone parts repair all will be expensive.
Sent from my SGH-M919 using xda premium
Damn....that sux. I always wonder how people break their screens. I have dropped phones so many times that I lost count......I guess I am just lucky
all recent device like this
i think. we must keep it in pouch, then if you drop it down. it won't be break so easy like before
Dam dude that's suks and yea it's a life lesson and it's trying to tell u DO NOT BUY YOUR KIDS expensive PHONES IF THEY ARE NOT GOING TAKE CARE OF IT IF ITS AN EXPENSIVE DEVICE... just saying OK.. And u kudve bought her a case a cheap one before u got the money to buy a really expensive one that would protect it...
Sent from a phone better than yours!
Broken Screen
My 23 year old daughter paid for the phone and pays for the service. She still lives at home. But a daddy still wants to make the hurt go away.
We have the insurance but the $175 is more than the $149 down payment. It will be a life lesson that she can afford. The funny thing is that I bought her a $6 (it's not really a case) soft cover that sticks up a little past the screen level. She said it slipped out of her hand. I've done that many times with my S3 with no problem.
I was hoping for a suggestion to get around any payment. All I could find in a search was that the S4 broke easier than a Iphone 5. If, sometime in the near future it is shown that the screens are "defective" that I was hoping to make a claim.
Back to reality. She'll pay for it. Then maybe a heavy duty case.
Thanks for the comments.
sandiegoan said:
My 23 year old daughter paid for the phone and pays for the service. She still lives at home. But a daddy still wants to make the hurt go away.
We have the insurance but the $175 is more than the $149 down payment. It will be a life lesson that she can afford. The funny thing is that I bought her a $6 (it's not really a case) soft cover that sticks up a little past the screen level. She said it slipped out of her hand. I've done that many times with my S3 with no problem.
I was hoping for a suggestion to get around any payment. All I could find in a search was that the S4 broke easier than a Iphone 5. If, sometime in the near future it is shown that the screens are "defective" that I was hoping to make a claim.
Back to reality. She'll pay for it. Then maybe a heavy duty case.
Thanks for the comments.
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Don't get ripped off by T-Mobile and Asurion. Get Squaretrade.
http://www.squaretrade.com/samsung-galaxy-warranty
Square trade would be cheaper
Sent from my SGH-M919 using xda premium
GG2012 said:
Don't get ripped off by T-Mobile and Asurion. Get Squaretrade.
http://www.squaretrade.com/samsung-galaxy-warranty
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+1 to this
get a case + squaretrade warranty
Pay the deductible now, unless you purchased with a credit card. Many - including virtually all American Express cards and Chase-issued Visas - include accidental damage protection.
if its past 30 days i dont think squaretrade will issue a warranty..
sandiegoan said:
My 23 year old daughter paid for the phone and pays for the service. She still lives at home. But a daddy still wants to make the hurt go away.
We have the insurance but the $175 is more than the $149 down payment. It will be a life lesson that she can afford. The funny thing is that I bought her a $6 (it's not really a case) soft cover that sticks up a little past the screen level. She said it slipped out of her hand. I've done that many times with my S3 with no problem.
I was hoping for a suggestion to get around any payment. All I could find in a search was that the S4 broke easier than a Iphone 5. If, sometime in the near future it is shown that the screens are "defective" that I was hoping to make a claim.
Back to reality. She'll pay for it. Then maybe a heavy duty case.
Thanks for the comments.
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If you paid with some kind of credit card most companies have a 90 warranty on the phone, covering loss (wink wink) and other accidents. I would get in contact with my CC company and find out what kind of purchase protection they have before dishing out any more cash
movieaddict said:
if its past 30 days i dont think squaretrade will issue a warranty..
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There is almost no way it's been 30 days considering most T-Mobile pre-orders shipped within the past week or two.
He can still buy the $99 SqT warranty.
I broke an N2 screen and the cost to repair by Samsung was $178 including taxes and 2 day shipment bot ways.
If the glass is cracked but the screen still works OK (mine did), there was a tread where the glass only was available for $25 and the OP replaced it only. I requires skill and patience and some other materials and possibly tools, but it was the cheapest path.
sandiegoan said:
My daughter just got the new S4 Friday. Today she dropped the phone and the screen is cracked. Is there any other way than the $175 insurance deductible?
OR
Is this just a life lesson? She's had it less than 48 hours and the deductible is more than the down payment.:crying:.
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Click to collapse
does your cell provider offer insurance? if so, don't say nothing about the phone screen cracked... register with their service and then
a week later, file the claim...
tvos
Im so frustrated right now with this phone. Yesterday i was sitting on a bench with a couple friends and when i stood up the phone fell from the bench where i had it resting. The bench itself is only a 1-2 feet tall! and when i picked it up, the screen on the edge has cracked
the phone has been in a case since day one (spigen ultra clear hybrid case ) and it wasn't even a hard fall or from any big height!! so i ask myself how strong is the gorilla glass 4 really that it would crack from that height?
I just bought the phone last weekend and i have insurance on the phone but they're saying i need to pay an additional $175 for a replacement? Ive already paid off more than half the phone off, paying that 175 is like buying the phone outright. it just doesn't make sense to me.
any ideas how i can get this fixed? i think paying them an additional $175 on top of the $8 they already get from me is ridiculous. i could put those $8 apart and buy a whole new phone with what i've paid them.
It's obvious you're quite emotional still, over this episode. The trauma of an expensive new phone, losing most it's value in less than one second is disheartening, especially when it's due to your own fault..
Because of this it's clear that your emotions have clouded your rationale..
Are you really saying that paying $175 for a ~$800 replacement phone is not OK?
Wouldn't the $8/month insurance premium be irrelevant here since, you just bought the phone last week?
Although, this too is an irrelevant point, concerning insurance coverage, I thought it was interesting that you've, again, had it only one week, yet you've already paid half the phone off? Was this by choice or was your credit less than ideal for T-Mobile?
And l saved the best for last, is it safe to assume you had zero knowledge that a $175 deductible is required to be paid on any insurance claims, at the time you agreed to pay $8/month for insurance?
Sent from my SM-G928T using Tapatalk
What kind of screen protector were you using?
Sent from my SM-G928T using XDA Premium HD app
Talysdaddy said:
It's obvious you're quite emotional still, over this episode. The trauma of an expensive new phone, losing most it's value in less than one second is disheartening, especially when it's due to your own fault..
Because of this it's clear that your emotions have clouded your rationale..
Are you really saying that paying $175 for a ~$800 replacement phone is not OK?
Wouldn't the $8/month insurance premium be irrelevant here since, you just bought the phone last week?
Although, this too is an irrelevant point, concerning insurance coverage, I thought it was interesting that you've, again, had it only one week, yet you've already paid half the phone off? Was this by choice or was your credit less than ideal for T-Mobile?
And l saved the best for last, is it safe to assume you had zero knowledge that a $175 deductible is required to be paid on any insurance claims, at the time you agreed to pay $8/month for insurance?
Sent from my SM-G928T using Tapatalk
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Moreover, $8/month insurance can be canceled at Ops discretion.
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Suggest you to replace the screen yourself or by a friend who is good at tearing down phone. For cheap Samsung Galaxy s6 screen replacement you can visit www.hcqs.com.cn.