Insurance or not????

[jmorton10]

I think insurance is a colossal waste of money myself, but then again I have had PPC's all the way back to the early 6700's & have never needed to make a claim anyway so I am WAY ahead money wise............

~John

[p-slim]

Originally Posted by jmorton10

I think insurance is a colossal waste of money myself, but then again I have had PPC's all the way back to the early 6700's & have never needed to make a claim anyway so I am WAY ahead money wise............

~John

I've made mulitple claims and sometimes i find my phone afterwards and then i sell them for $200 +. especially since they use to be only $50 replacements up until a couple of months ago. I am way ahead also Also the peace of mind. I honestly don't really care about my phone and throw it around. I don't use a case and am real lazy with it, insurance helps me keep the peace of mind knowing i'll always get one, plus that insurance often gets people free upgrades. do you know how many people went from a mogul to the tp1 because of insurance?

[two-rocks]

I canceled the insurance on my two TP2's...

Had it before and never used it, still have the old TP and it works fine should the need arise to use it - and there is always something better around the corner...

Although... I kind of like the first few months argument, and may add the insurance for the next few months.

[Laos101]

Absolutely. look at it this way

6$ a month over a 2 year contract

6x24 = $144

89$ deductible.

vurses a 600$ retail price.

Even if you had your device lost/stolen/broken THRICE it's a steal

Not to mention you always get it new, thats what insurance means. if you get it refurbished, complain and ensure you are given new and make sure. they ALWAYS do not reset your contracts

[rorytmeadows]

I read a study within the last year that said overall it was not worth it to get the insurance, warranty or extended service plans on pretty much everything out there, unless you're a high-risk person, meaning that you break most of your possessions because you're careless or don't know how to parent your kids.

The trick to avoiding problems is to baby your devices and READ before installing. Don't get all excited and download from the first post of a cab thread. Read through it all to find out any risks or potential problems. I've been saved a few times from this. No hard reset at all since purchased in August, and plenty of apps/mods to brag about. And then onto the babying: Not a scratch on my device. Tough T-Mobile leather case. And my MDA was full of scratches, dents, and everything. I decided to not cheap around and not just use my phone like it was some toy. Babying the hell out of it and proud.

If you want to use it as a toy, go right ahead and get the insurance and whatever else you need. But I think many people here will agree, this is a powerful device that shouldn't be tossed around like it was some iPhone or Razr.

[rdcrds]

Originally Posted by Laos101

Absolutely. look at it this way

6$ a month over a 2 year contract

6x24 = $144

89$ deductible.

vurses a 600$ retail price.

Even if you had your device lost/stolen/broken THRICE it's a steal

Not to mention you always get it new, thats what insurance means. if you get it refurbished, complain and ensure you are given new and make sure. they ALWAYS do not reset your contracts

Ok it is 7$ not 6$ on sprint

100$ on sprint

600 retail you would not have to pay mopre then 350$ for a new one on ebay or other places.

And the not to mention you always get a new one? they only send you refurbs from insureon which when they come avil you can get on ebay for 300$

Insurance for sprint is not wirth it to me.The only way it is if you drop it lose it cause with sprint if something goes wrong within the first year they replace it free anyway.

I had to return the touch pro 3 times with no insurance and all 3 times i got a refurb but paid nothing.

[mobilevader]

Originally Posted by rdcrds

Ok it is 7$ not 6$ on sprint

100$ on sprint

600 retail you would not have to pay mopre then 350$ for a new one on ebay or other places.

And the not to mention you always get a new one? they only send you refurbs from insureon which when they come avil you can get on ebay for 300$

Insurance for sprint is not wirth it to me.The only way it is if you drop it lose it cause with sprint if something goes wrong within the first year they replace it free anyway.

I had to return the touch pro 3 times with no insurance and all 3 times i got a refurb but paid nothing.

I agree... wonder how many of the same people also get insurance on printers, computers, cameras, etc, etc. Reminds me of my uncle... he had extra insurance on everything!!! It was a colossal waste of money.

I agree with the year idea...

I would add, that this time next year, win 7 will be out. How many of us will REALLY keep the touch pro2 then? I won't...

[p-slim]

Originally Posted by mobilevader

I agree... wonder how many of the same people also get insurance on printers, computers, cameras, etc, etc. Reminds me of my uncle... he had extra insurance on everything!!! It was a colossal waste of money.

I agree with the year idea...

I would add, that this time next year, win 7 will be out. How many of us will REALLY keep the touch pro2 then? I won't...

I have insurance on my phone but i don't have it on any of the things you mentioned. But of course none of the things you named cost $600 that i carry around and use every minute of my life either. Most didn't pay $600 to get their phones but if something was to happen, with a device that i'm on most of the day (so of course something could happen) then you would have to pay $600 to replace it or go back to using your tp1 or whatever phone you came from. this is a never ending battle because every person is different. One person said the trick is to baby your phone, that is not going to happen because i use it to often. Like someone stated, it could break when youre drunk, or mad, or you just happen to be to busy and forget it somewhere. this question is almost as bad as the carrier question.

[jmorton10]

Originally Posted by Laos101

Absolutely. look at it this way

6$ a month over a 2 year contract

6x24 = $144

89$ deductible.

vurses a 600$ retail price.

Even if you had your device lost/stolen/broken THRICE it's a steal

Not to mention you always get it new, thats what insurance means. if you get it refurbished, complain and ensure you are given new and make sure. they ALWAYS do not reset your contracts

Nobody is paying anywhere near $600 for these devices (I paid $149 for mine)

~John

[msh441]

OK, all my comments were summed up by others on Page 3. Replied before I read further.

Insurance is a gamble. Those who buy are betting that their device will get broken. Those who don't are gambling that somthing won't. If I break my device in the first year, I loose out. If its past a year, I don't. Simple as that.

As far as getting a new device through Assurian... read the fine print... they absolutely DON'T have to give you a new device. In my experience, they do not. Don't be fooled. Simply Google Assurian and see what customers are saying.

I'm not opposed to insuring my phone. Rolling my TP2 into my homeowners at the costs quoted here ($25 per year covering a $500 device at a $0 deductible), that's smart. $8 per month plus a $100 detuctible for a refurb, is not IMO.