Phone insurance - Nexus 6 Q&A, Help & Troubleshooting

I generally don't get insurance for my nexus devices because of the low cost, however this year is different and was wondering what peoples thoughts on insurance and possible recommendations are?

Alaris said:
I generally don't get insurance for my nexus devices because of the low cost, however this year is different and was wondering what peoples thoughts on insurance and possible recommendations are?
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I have been using Square Trade for 3-4 years and have been very happy. Always cheaper and copay is less than what carriers offer. Only downside is you have to send them the phone for repair. They promise 24 hour turnaround or resolution. Meaning , with shipping it usually takes 5-7 days to get phone back, so you have to have an old phone to activate in the interim.
First time I used it was on my wife's week old Evo 3D she dropped and cracked the screen. The phone had just been released, so they couldn't get the repair parts needed and dropped the full off contract price of the phone (if I remember it was either $599 or $699) into my Paypal account the day after calling to tell me they couldn't fix it. They are easy to deal with and highly rated by Consumer Reports. I will have it on my Nexus 6 the day I get it. They will also refund the unused portion of my current warranty that I have on my Nexus 5.

beefydoc said:
I have been using Square Trade for 3-4 years and have been very happy. Always cheaper and copay is less than what carriers offer. Only downside is you have to send them the phone for repair. They promise 24 hour turnaround or resolution. Meaning , with shipping it usually takes 5-7 days to get phone back, so you have to have an old phone to activate in the interim.
First time I used it was on my wife's week old Evo 3D she dropped and cracked the screen. The phone had just been released, so they couldn't get the repair parts needed and dropped the full off contract price of the phone (if I remember it was either $599 or $699) into my Paypal account the day after calling to tell me they couldn't fix it. They are easy to deal with and highly rated by Consumer Reports. I will have it on my Nexus 6 the day I get it. They will also refund the unused portion of my current warranty that I have on my Nexus 5.
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About how much does it cost to insure a phone through them?

I usually use the extended care plan from the manufacturer when available. I have AppleCare+ on my iPhone 6 (and all my iPhones prior), and Moto Care on my Moto X, and on my soon to be delivered 2014 Moto X as well. Since Motorola is making the Nexus, they might offer their Moto Care plan for it and if they do, I'd recommend that in a heartbeat. For the Moto X it was $85 up front and $35 deductible, and they do advanced replacements. I'm about to pay the $35 and replace my 2013 Moto X just to keep one that's brand new in the museum. For $35 why not?

Buy it with a credit card. Free cash back, one extra year of insurance, and price protection if it drops the price within 3 months.

I'm prob going with squaretrade unless google or moto has insurance for it

Alaris said:
About how much does it cost to insure a phone through them?
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Price is $99.00 for two years coverage. Includes accidental breakage, water damage, about anything except lost or stolen. It is subject to a $75 deductible.

I am curious about insurance as well.
How does SquareTrade stack up to Motorola's Protection Plan? At Motorola's site, the Moto X 2 year coverage is $85 with a $39 deductible.
https://motorola-global-portal.cust...detail/a_id/101900?g_id=3813&session=jvnZLr5m

I wonder if I have to buy the phone from motorola in order to get their insurance.

joshua.justice said:
I wonder if I have to buy the phone from motorola in order to get their insurance.
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Yea same here. I'm getting it from the play store so I don't know if Google will offer any protection plan.
Sent from my HTC6500LVW using Tapatalk

selayan said:
Yea same here. I'm getting it from the play store so I don't know if Google will offer any protection plan.
Sent from my HTC6500LVW using Tapatalk
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Google only has the automatic one year warranty against defects that comes when you buy the device from them, which is great BTW. They don't offer any sort of supplemental insurance for accidental damage. You'd have to go through a company like Square Trade for something like that. Or Motorola, if they allow you to insure devices that weren't directly purchased from their website.

charesa39 said:
Google only has the automatic one year warranty against defects that comes when you buy the device from them, which is great BTW. They don't offer any sort of supplemental insurance for accidental damage. You'd have to go through a company like Square Trade for something like that. Or Motorola, if they allow you to insure devices that weren't directly purchased from their website.
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As of now, Motorola will only insure a Nexus 6 purchased through Motorola.

Anybody know how many times square trade will fix or replace a device during those 2 years?

Is square trade cheaper? I'm going to go with Motorola because they do advanced rma.
Sent from my HTC6500LVW using Tapatalk

Related

SquareTrade Discount!

Normally, the SquareTrade warranty is $39.99 and $49.99 for the 8GB and 16GB models, respectively (all values in USD). If you buy the warranty through their Nexus 7 landing page (http://www.squaretrade.com/nexus7) you'll get $10 off, so $29.99 and $39.99. Offer expires 17 August 2012. The warranty is good for 2 years and includes accidental coverage from handling (spills, drops, etc.). They can also adjust the warranty to start when you actually received your Nexus 7, not when you purchased it.
Searched their site for a minute to get some details. There is no deductible for tablets. Shipping is free both ways. Once the parts and labor for any repairs reaches the original purchase price of the device, the contract is considered fulfilled. If it is damaged beyond repair, they will cut a check or make a paypal deposit in the amount of your original purchase price and consider the contract fulfilled. They guarantee 5-day turnaround. 5 days from when you ship the device to them, they will have it repaired and shipped back or pay you for the device. There may be other terms that I did not find on the site, or that I simply forgot but it sounds pretty good to me. I'll be purchasing a plan since I will soon have 3 kids under 3 years old. Who knows what's going to happen to my precious Nexus.
I just wanted to share this discount with you all since I haven't seen it posted yet. For those lucky enough to be able to find a one-time-use 30% off discount, thumbs up for you! I couldn't find any that weren't used so this is my best bet.
Also noted that under the pull-down for Maufacturer there is no Google, so I'm assuming te choice will be Asus.
r4d14n7 said:
Normally, the SquareTrade warranty is $39.99 and $49.99 for the 8GB and 16GB models, respectively (all values in USD). If you buy the warranty through their Nexus 7 landing page (http://www.squaretrade.com/nexus7) you'll get $10 off, so $29.99 and $39.99. Offer expires 17 August 2012. The warranty is good for 2 years and includes accidental coverage from handling (spills, drops, etc.). They can also adjust the warranty to start when you actually received your Nexus 7, not when you purchased it.
Searched their site for a minute to get some details. There is no deductible for tablets. Shipping is free both ways. Once the parts and labor for any repairs reaches the original purchase price of the device, the contract is considered fulfilled. If it is damaged beyond repair, they will cut a check or make a paypal deposit in the amount of your original purchase price and consider the contract fulfilled. They guarantee 5-day turnaround. 5 days from when you ship the device to them, they will have it repaired and shipped back or pay you for the device. There may be other terms that I did not find on the site, or that I simply forgot but it sounds pretty good to me. I'll be purchasing a plan since I will soon have 3 kids under 3 years old. Who knows what's going to happen to my precious Nexus.
I just wanted to share this discount with you all since I haven't seen it posted yet. For those lucky enough to be able to find a one-time-use 30% off discount, thumbs up for you! I couldn't find any that weren't used so this is my best bet.
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I don't usually purchase warranties, but this looks pretty promising. I'll have to try this out when I buy my nexus 7 in august. Thanks
Worth Ave Group covers theft as well and costs $47.50 with 15% off coupon (15OFF).
http://www.worthavegroup.com/products/tablet-insurance/
You can usually find 20% off (which is what this offer is essentially) but they do 30% as well, and I know from working with them that they do pay. My daughter borked an old Nikon compact camera and we shipped it to them and they cut me a check for cost of the item. No fuss or muss.
jmcging said:
You can usually find 20% off (which is what this offer is essentially) but they do 30% as well, and I know from working with them that they do pay. My daughter borked an old Nikon compact camera and we shipped it to them and they cut me a check for cost of the item. No fuss or muss.
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Squaretrade of Worth Ave?
sstuner said:
Also noted that under the pull-down for Maufacturer there is no Google, so I'm assuming te choice will be Asus.
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Yes. Asus is the manufacturer. I love squaretrade. I buy all my warranties from them and use the 30 percent off code they send me. I got my warranty on my own Nexus 7 for the $34.99
Sent from my Nexus 7 using xda premium
TY SO MUCH! i just bought it , i was deciding if i wanted to earlier but when i saw discount i grabbed it right away!
clankfu said:
Worth Ave Group covers theft as well and costs $47.50 with 15% off coupon (15OFF).
http://www.worthavegroup.com/products/tablet-insurance/
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Ah, nice! How are claims through them? Quick and hassle-free? That's the most attractive part of SquareTrade, to me. I'll check them out before I buy, though I've never needed theft/loss protection in the past. Thanks for the tip!
movieaddict said:
TY SO MUCH! i just bought it , i was deciding if i wanted to earlier but when i saw discount i grabbed it right away!
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No problem! Took me a minute to find this discount as I don't think it's advertised anywhere on their site. I even looked up the normal costs and still saw no mention of it. $40 is worth it, I think.
r4d14n7 said:
Ah, nice! How are claims through them? Quick and hassle-free? That's the most attractive part of SquareTrade, to me. I'll check them out before I buy, though I've never needed theft/loss protection in the past. Thanks for the tip!
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I haven't filed a claim with them but their reviews seem to be pretty good. You do have to submit a police report for instances of theft or vandalism and if your device is stolen from your car, there has to be signs of forced entry. Also, it doesn't cover loss, just theft.
Most premium credit cards like Discover or Amex have a 90 day accidental damage, or theft coverage policy automatically applied to purchases on the card. They also double the 1 year warranty to 2 years. I have used it before when my puppy chewed up a new pair of expensive exotic leather boots and the process was rather painless.
Personally, I'll probably take the risk on skipping a paid warranty. These devices have a pretty short lifespan for me before I rotate it out for the next newest thing.
Just purchased the warantee for my N7/16GB.
I'd really like to take advantage of this but if I bought my nexus 7 off of craigslist then am I straight out of luck? Not sure what the purchase date is and where it was purchased from (but it is an 8GB so it has to be from the Google Play Store right?) I also don't have the receipt.
The price went back up, but you said it's good till august 17th? I would love to get this, but only at the sale price...
Sent from my Nexus 7 using xda app-developers app
Solange82200 said:
The price went back up, but you said it's good till august 17th? I would love to get this, but only at the sale price...
Sent from my Nexus 7 using xda app-developers app
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Me too. August 17? apparently not
It did show August 17, I tried to go thru my cached pages for yesterday but couldn't find it yet. I'll continue and if I find it, i'll post it and maybe you can call them up directly.
I never buy any extended waranty. In Canada there is a mandatory 1 year manufacturer waranty.If an electronic device does not die in the first year, it will most likely live it's designed life (there a a statistical probability for this). Most electronic devices "die" because they become obsolete not because they stop working. To pay $40 for a $200 device, is just trowing money out of the window.My 2 cents.
adit9989 said:
I never buy any extended waranty. In Canada there is a mandatory 1 year manufacturer waranty.If an electronic device does not die in the first year, it will most likely live it's designed life (there a a statistical probability for this). Most electronic devices "die" because they become obsolete not because they stop working. To pay $40 for a $200 device, is just trowing money out of the window.My 2 cents.
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While I agree with you.... people don't buy this for the increased warranty, they generally buy it for accidental damage insurance.
adit9989 said:
I never buy any extended waranty. In Canada there is a mandatory 1 year manufacturer waranty.If an electronic device does not die in the first year, it will most likely live it's designed life (there a a statistical probability for this). Most electronic devices "die" because they become obsolete not because they stop working. To pay $40 for a $200 device, is just trowing money out of the window.My 2 cents.
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I have young children. I am careful, but sometimes I make mistakes. If something happens a year and a half from now, I would get the full purchase price back, even though the tablet would have depreciated in value.
Back when I had no kids, yes, I would consider it a waste. Now? Not so much. Thanks for your help though.

Beware AT&T Insurance on Nexus 5

So like most in this forum, I bought my Nexus 5 directly from the Google Play Store. I chose AT&T as my carrier. When I signed up for the account at the AT&T store, I got the phone insurance to cover me when I inevitably crack the screen or my 3 year old drops the phone into the bath tub. I asked them when I activated the phone if the AT&T insurance covered the phone for replacement even though I did not buy it from them. "Of course!" the salesperson said. Bought the phone at the end of October.
Sure enough, last night my buddy bumped the phone out of my hand, and it dropped about 4 feet to a stone floor face first. Cracked!!! It pained me to see my new phone with a full screen length crack, but I breathed a small sigh of relief knowing I had bought the insurance for just this circumstance. I called AT&T this morning to ask about the claim process and the customer service guy told me he was not sure it was covered because, "The Nexus 5 is not a phone we carry." He advised me to call Asurion Mobile, the AT&T insurance carrier and ask them. When I called Asurion, they confirmed what the AT&T guy said. AT&T does not carry the Nexus 5 and therefore cannot replace one as part of a claim. Instead they said that they would replace the phone with "an equivalent".
I know others probably like those other carriers, but AT&T in Baltimore really does offer way better coverage than those others, even Verizon. Because of this, I would like to stay with AT&T.
I did not talk with Asurion any further, but this presents those of us who bought the phone unlocked and out of contract precisely to avoid the carrier capture relationship with a conundrum on AT&T. The insurance will cover you having a phone on AT&T, just not the one that we all really want. Interestingly T-Mobile and Sprint DO carry the Nexus 5. Am curious if anyone on those carriers has made an insurance claim and they gave you another Nexus 5? And further, if they did, was it unlocked or locked?
Reading another forum, I noted that my credit card my offer purchase protection given that I am (barely) still inside of 90 days. Will be investigating that possibility next.
Phone insurance is really a scam for such a low priced phone as the N5. Self insure and save the $$$
digiblur said:
Phone insurance is really a scam for such a low priced phone as the N5. Self insure and save the $$$
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The $150 deductible for Asurion is ridiculous anyway. We just bought a pair of Nexus 5's from T-Mobile, but are holding off on insurance for now. I see Square Trade has insurance for $8 a month, with a $75 deductible -- my wife is a bit careless with the drops, so I was considering them for her phone.
Curious as to what they consider an equivalent. Possibly they replace the phone then you sell it to buy yourself another N5.
Sent from my Nexus 5 using Tapatalk
does any company do this? i dont get why the OP thought this would work. i get it that the customer service guy gave him the wrong information, but why did the OP expect this enough to even ask them in the first place?
@charmcitybryan - since ATT doesn't carry the Nexus 5, it makes sense that they can't replace your phone with the same one. You could do what @sprof suggested - and get the replacement they offer, and sell it and buy a N5 then.
Depending on when you bought your phone, and whether you used a credit card with accident protection, you may be covered by your credit card (check with your credit card if you used a credit card for the purchase)
If a carrier did somehow replace the N5, it will be unlocked (even if they somehow figured out a way to lock it - which they won't, unlocking it is as easy as flashing the stock image from Google).
dfin13 said:
The $150 deductible for Asurion is ridiculous anyway. We just bought a pair of Nexus 5's from T-Mobile, but are holding off on insurance for now. I see Square Trade has insurance for $8 a month, with a $75 deductible -- my wife is a bit careless with the drops, so I was considering them for her phone.
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Well...that $8 a month might not sound like a month, but consider this...
Let's say she has the phone for a year. Month 12, she breaks it. Boom, in theory you pay $75 and you get a new phone. You can't ignore the $96 you've also already paid. And then you have the situation of having the insurance, but for some reason they don't decide to honor the claim. (let's ignore that for the sake of argument though)
Even if you break it on month 1, you're paying $83.
Assuming you have the 32G version...does the ratio of that $83 vs. the replacement cost of the phone REALLY make mathematical sense to you factoring in the odds of her breaking the phone?
It almost never does. Just saying!
Also...here's the best part....Take the price of this phone, and compare it to the price of other comparable phones. It's seriously about half as much as them, if you are considering the TRUE cost, ie: no contract price.
Take that extra $350 or so and save it. If you get your phone stolen or you throw it at someone in a fit of drunken rage...you can buy a new phone.
If that doesn't happen...You still have that $350!
Went from a Note 3 returned it to buy Nexus 5, cancelled my insurance because I knew AT&T would not carry it. Call Google get an RMA they should be able to replace it since we have a 1yr warranty.
Knight-Rider said:
Went from a Note 3 returned it to buy Nexus 5, cancelled my insurance because I knew AT&T would not carry it. Call Google get an RMA they should be able to replace it since we have a 1yr warranty.
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Umm warranty doesn't cover smashed screens
shotta35 said:
Umm warranty doesn't cover smashed screens
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Oh ok wasn't aware that Google didn't cover smashed screens good to know lol.
I'm shocked they even offered to replace it with an equal valued device. Not to sound hard to the op but I figured it would go without saying that a device not sold by Att wouldn't be covered through their insurance. Take the replacement and sell it for another n5.
Sent from my Nexus 5 using XDA Premium 4 mobile app
The nexus 5 is so easy to service yourself that it doesn't really need insurance.
Sent from my Nexus 5 using Tapatalk
I would be happy. Take what they give you, assuming its another high end phone, and sell it.
I'm just curious what equal value phone the OP will get. Nothing is really equal when it comes to specs with that price. Moto x costs more but lower in specs. I just hope that OP will get something that's equal in specs not in costs.
Sent from my Nexus 5 using xda app-developers app
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
Sent from my Nexus 5 using Tapatalk
FuMMoD said:
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
Sent from my Nexus 5 using Tapatalk
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Only if it's unlocked like the nexus 5 would that be acceptable to me.
Sent from my Nexus 5 using Tapatalk
i always have had insurance on all my phones.. im with sprint.. i ended up sellimg my gs4.. and got the N5 from the play store.. when i tried to get insurance on my N5 they said i cant bec ause i got my N5 from the play store.. sprint dont carry the 32 gig.. so now i have no insurence which sux.. but it is what it is
Update on OP
FuMMoD said:
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
Sent from my Nexus 5 using Tapatalk
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This is exactly why I love these forums! Great idea on getting the replacement and then selling to get another N5. Will definitely now start a claim to see what equivalent phone they will provide. Like another post said, I hope they provide equivalent specs, not equivalent cost given what a great value our phone is.
On the posts questioning why I thought AT&T would replace the phone in the first place, it's a fair question. I honestly have never used phone insurance before. My first mistake was believing the salesperson. Bummer, but that's life. I knew at the time that AT&T did not carry the phone, but was guessing the business model of the insurance would be as fine with providing cash so I could just get a replacement as they would providing a replacement phone. Always read the fine print and all that I guess. Another good option is just sending the phone in to LG for a screen replacement. I have read in other threads that may actually cost less than the deductible to replace the whole thing.
On the economics of cell phone insurance vs. self insuring given the cost, I found this article on Lifehacker that does a nice summary of the plans that are out there. Do a quick google search for it.
I think the argument that the high cost does not justify the benefit is particularly interesting now that many of us have the phone out of 2 year contracts and paid a low price for a great product. Aren't we all likely to jump at the next Nexus that comes out in a year? If so, as time approaches the next release, the value of replacing the phone we have goes down significantly.
In fact, given this, it would seem only to make sense to get phone insurance (if one wanted it) that provides a cash payout of the purchase price of the phone. Because the price of our phone is less, the premium would be lower and possibly a better cost benefit equation.
Equivalent phone to me would be a 5", snapdragon 800, 1080p display, lte and unlocked.
Sent from my Nexus 5 using Tapatalk
FuMMoD said:
Op let us know what they give you. I'm thinking the LG G2 and if they do that's not so bad is it?
Sent from my Nexus 5 using Tapatalk
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i gotta agree here

Did anyone purchase the $85 insurance with your phone?

I bought the Moto X Pure Edition last night and they offered insurance for $85. I have had two Samsung devices that I used it for. GPS died on my S5 and speaker died on my S4. Has anyone purchased the insurance for theMoto or feel like they should have?
Absolutely I did. I have it on my 2013 Moto X as well. With how cheap the phone is, the extra $85 is a no brainer. $35 deductible and you're covered no matter what happens to your phone short of loss or theft.
I bought it too. Cheaper than the insurance through Verizon.
I have the insurance. It is better then having a case.
Sent from my XT1095 using Tapatalk
Anyway of getting the insurance after receiving the phone?
dazz87 said:
Anyway of getting the insurance after receiving the phone?
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If you call I think you can get it within 30 days of your purchase date
i think u have 30 days to add it. log in on the motorola mobility website and do to "my stuff," you should have the option to buy it. unless this is a verizon phone.
i cracked my screen they replaced no questions asked. they gave me a code to go to moto maker and build a new phone. i could change the color or add premium backs (extra cost, of course) if I wished . phone showed up quick.
dazz87 said:
Anyway of getting the insurance after receiving the phone?
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Yes, I chatted with Moto today and they sent me the link, you have to do it within 30 days as others have said
This insurance is probably the cheapest you could get. I just looked at squaretrade and its more than Motorola. Will give them a call. Thanks
It's the best deal you're going to find & it's direct work Moto. You're not going to find a better deal plus they cross ship.
Sent from my XT1095 using Tapatalk
CUBENSIS said:
i think u have 30 days to add it. log in on the motorola mobility website and do to "my stuff," you should have the option to buy it. unless this is a verizon phone.
i cracked my screen they replaced no questions asked. they gave me a code to go to moto maker and build a new phone. i could change the color or add premium backs (extra cost, of course) if I wished . phone showed up quick.
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you can add it to a verizon phone via the website or phone
I just order a moto x 2014 but I didn't order the extended warranty because I want to think about it some more during the next 30 days. Right now I don't think it is a good deal.
It cost $125 ($85 now, and another $40 if you use it to make a claim).
First, the cost seems way out of line. It is close to 1/3 the cost of the phone (I used the cyber Monday coupon for a 32gb, but if you buy only the 16gb on the coupon, the insurance would be more than 1/3 the cost of the phone.) So I'm paying $125 to insure $410 for months 13 through 24 (the phone already has a 1 year warranty). A year from now, the phone could be replaced with a comparable used phone for less than 2/3 's the original; cost, so at best I'm paying $125 to insure a value of $280 or less. That doesn't make economic sense unless you are Motorola.
Second, although the accident coverage starts with day one, it only cover's "accidents" but excludes "negligence." Does that mean if you drop your phone it is your negligence and not covered? The way the contract is written it appears that it only covers damage cause by the negligence of a third party. It doesn't cover any damage caused by intentional or reckless behavior of anyone. So if your friend negligently bumps you causing you to drop the phone and cracking the screen you are covered. If you drop your phone in the toilet it is your negligence and you are not covered. If your friend takes your phone in a fit of rage and throws it against the wall cracking the screen it is not covered because that would be intentional. The contract requires that you submit a detailed description of how the damage occurred. If you don't hire a lawyer to help you write that description, it will be easy for the insurer to deny coverage. Trying to explain how your friend accidently bumped you while you were holding your phone while standing over the toilet isn't going to sound very credible.
Third, it doesn't cover the battery. Batteries are specifically excluded. The one-year standard warranty covers batteries only if they fail to recharge to at least 80%. That means after one year, if your battery dies or only recharges to 81%, you have a paper weight (one side of which is rounded so it can only be used face down as a paper weight.)
The fact that carriers might charge more for similar insurance doesn't make the Motorola extended warranty any better, it just means the carriers' extended warranties are even less economically viable.
Given all that, it seems to me more economical to save the $125 and use it toward purchase of a new phone if the need arises.
CUBENSIS said:
i think u have 30 days to add it. log in on the motorola mobility website and do to "my stuff," you should have the option to buy it. unless this is a verizon phone.
i cracked my screen they replaced no questions asked. they gave me a code to go to moto maker and build a new phone. i could change the color or add premium backs (extra cost, of course) if I wished . phone showed up quick.
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30 days from your purchase date or date received?
TigerDNA said:
Yes, I chatted with Moto today and they sent me the link, you have to do it within 30 days as others have said
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Regarding the value of Motocare, before purchasing my Moto X PE 2014, I purchased a 2013 developer edition for $229 on eBay. Never having used the phone, I wanted to see what the moto love was all about.
I had the DE phone two weeks, dropped it, smashed the screen. Motocare covers for a two year period against accidental damage such as breaking a screen. You can break your screen three times.
Put in a claim, paid $39 for essentially expedited shipping. They sent me new 2013 DE in 4 days. Cross shipped as well.
How the heck can you do better than that? For $85?! For 2 years coverage. You will not find better.

Thoughts on insurance?

Didn't carry any on my iPhone 4s but I had nothing but problems with the 'certified' refurbs Verizon's Asurion service sent me back when I had problems with my Droid 1.
Read about Worth Ave Group... Seems promising.
So what's the general opinion on insurance? Is there a third party insurance that works well?
The.Jericho.Initiative said:
Didn't carry any on my iPhone 4s but I had nothing but problems with the 'certified' refurbs Verizon's Asurion service sent me back when I had problems with my Droid 1.
Read about Worth Ave Group... Seems promising.
So what's the general opinion on insurance? Is there a third party insurance that works well?
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I have had good luck with Squaretrade in the past. They are a lot cheaper than Verizon insurance and provide the same coverage for accidental damage.
The.Jericho.Initiative said:
Didn't carry any on my iPhone 4s but I had nothing but problems with the 'certified' refurbs Verizon's Asurion service sent me back when I had problems with my Droid 1.
Read about Worth Ave Group... Seems promising.
So what's the general opinion on insurance? Is there a third party insurance that works well?
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Click to collapse
I'd go with SquareTrade you have two options to pay monthly or yearly at least that's how it was 2 years ago. With SquareTrade though you pay either a $50 or $100 deposit and take it to a local repair place and no matter the cost squaretrade will cover it.
The only thing I don't know is if they cover lost or stolen devices but come on its 2015 if you lose your phone your better off with a straight talk phone
Sent from my SAMSUNG-SM-G925A using XDA Free mobile app
The.Jericho.Initiative said:
Didn't carry any on my iPhone 4s but I had nothing but problems with the 'certified' refurbs Verizon's Asurion service sent me back when I had problems with my Droid 1.
Read about Worth Ave Group... Seems promising.
So what's the general opinion on insurance? Is there a third party insurance that works well?
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asurion insurance replaces the phone with a Brand New Phone. Not sure how much it costs, i believe $9 a month. But you have to pay a deductible of $100.
lucky_strike33 said:
asurion insurance replaces the phone with a Brand New Phone. Not sure how much it costs, i believe $9 a month. But you have to pay a deductible of $100.
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I had 2 claims in the past with Asurion, in both cases I received a "refurb" phone......
lucky_strike33 said:
asurion insurance replaces the phone with a Brand New Phone. Not sure how much it costs, i believe $9 a month. But you have to pay a deductible of $100.
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No they do not. I have had 6 claims over the last 13 years with Verizon and ALL were refurbs. It says this clearly on the website and your Iinsurance documentation.
galaxyfaraway said:
No they do not. I have had 6 claims over the last 13 years with Verizon and ALL were refurbs. It says this clearly on the website and your Iinsurance documentation.
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I have gotten a droid dna and HTC one m8 all new in the box from assurion
Sent from my SM-G925V using XDA Premium HD app
lucky_strike33 said:
I have gotten a droid dna and HTC one m8 all new in the box from assurion
Sent from my SM-G925V using XDA Premium HD app
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You sure they aren't refurb? You know it doesn't say anything on the box right? Maybe it if was a new release they didn't have any refurbished but I've never gotten a new phone nor have I ever seen anyone. Your lucky
I have had two claims with Asurion...I believe both were refurbs but they looked and functioned as good as new...you basically couldn't tell the difference. But they do not cost any more than the other guys out there and they do provide for lost or STOLEN phones whereas I do not thin the others do at all. Your choice. But for what these new phones cost, and the fact that I cannot live without it for even a day...insurance is a must for me!
The way Asurion works is that, if available, you get a Certifiled Like New replacement. If there's none currently available, they will replace it with a new device instead (for example at the very beginning of a phone release, it's not like the mfr makes a batch of refurb phones for insurance company replacements). In the event that there are neither available, then you get additional options. A limited list of comparable replacement devices, basically. Or, there may be case by case instances where you'll get an upgrade for reduced or no cost. Obviously a lot less common, and we did have people all the time would get a phone, decide they didn't like it, and try to push for a different device under replacement. Unless you have repeated troubles with the same device in a short time, they generally aren't going to switch a model out.
+1 on squaretrade...I also have them for large appliances and they've been awesome!
So no one has used Worth Ave. Group? I'll look into squaretrade but the last time I had insurance, I ended up using it. I had a pristine condition Droid that developed an issue with the screen and I filed my claim. I went through (4) 'certified' refurbs for one failure after another and ended up switching to iPhone after it was all said and done. My first phone was great, the rest were a constant problem. I've read up and down votes for Worth Ave but not in an environment like here so who knows what they're worth. But primarily I like the idea of avoiding dealing with any more refurbished devices.
And I know, your mileage may vary... My experiences could be unique to the model I was using but from what I do remember, it was an infuriating process. I definitely appreciate all the opinions thus far!
I have Verizon's Asurion and they not only sent me a brand new phone, it was the newer version (Moto X to Moto X 2014) I will be sticking with them for my S6 Edge purchase this weekend...
have Asurion and just spent $200 cause of a cracked screen and that will be the end of that although i did get a new unit but only because it was so new anyway.
for $129 one time payment and up to 3 uses in 2 years coverage you can get Sammy's Protection with a $95 deductible versus Asurions $200 so i am cancelling Asurion and going with that one.

What Insurance For Note 8?

I understand not everyone thinks insurance is worth it. But I want insurance on my Note 8. For those that DO have insurance who are you going through? I am on Verizon but haven't signed up for Assurion yet...I went with Squaretrade with my Nexus 6p but never had to do a claim. Which insurance has the best bang for buck, is reliable, and won't break the bank...I know some offer lost/stolen coverage and some extend the manufacturers warranty...
What did you choose and why?
I've always just gone with carrier insurance. It's easy and if something goes wrong, I have a three Verizon stores within driving distance of my house. No need to ship anything anywhere. I've never looked anywhere else, so I don't know it's best bang for the buck. It works for me, though.
In all the years that I've had phones, I've only had to file one claim. That was on a Palm Centro so yea, long time ago.
Or get wells fargo cash wise credit card. Pay ur phone bill using the credit card and u r covered.
Pros:
No monthly premium
$25 Deductible
Cons:
Takes longer time to get claim resolved
Covers max $
Recently claimed crack screen on my note 8. Took about 15 days but paid 25$ to get it fixed.
usmaak said:
I've always just gone with carrier insurance. It's easy and if something goes wrong, I have a three Verizon stores within driving distance of my house. No need to ship anything anywhere. I've never looked anywhere else, so I don't know it's best bang for the buck. It works for me, though.
In all the years that I've had phones, I've only had to file one claim. That was on a Palm Centro so yea, long time ago.
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Which version of verizon's insurance did you get? When I had their insurance they only had one option. Now they have like 3-4
mikespe said:
Which version of verizon's insurance did you get? When I had their insurance they only had one option. Now they have like 3-4
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I'm not sure which one it is. It costs $9.99 per month. I have it for both my phone and my wife's. We just carried it over from our Note 4s and the S3s before them.
mikespe said:
Which insurance has the best bang for buck, is reliable, and won't break the bank...I know some offer lost/stolen coverage and some extend the manufacturers warranty...
What did you choose and why?
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https://forum.xda-developers.com/galaxy-note-8/help/whats-best-mobile-insurance-note-8-t3674637
"worth ave" and samsungs own insurance are tops in my book for the cost/offer ratio.
Bought my Note 8 outright so I put Samsung Premium Care on it.

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