[Darkjedi]

I actually have never used the insurance on my plan. Everything was covered by the service and repair part. It does suck that if and when I lose my phone I will have to pay 100$ for a phone that's likely refurbed. For phones like ours that cost 600$ direct (300 at best on ebay), it might make sense, but for people who own cheaper phones like the motorola Q9c, insurance is totally not worth it. For the normal flip style phones? Forget about it, its a waste of money. I can imagine that many people will start opting out of insurance or cancel it altogether.