Insurance: Do we need it any more

Discussion in 'Android General Discussions' started by pc747, Dec 7, 2011.

  1. pc747

    pc747 Administrator
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    I must admit that I not only go with a case and screen protector but I am also big on insuring my device. To me its more of a matter of "just in case". Yes I could go 2 years paying into the system and never need it but who knows. I also heard some valid arguments against the need given we can buy all sorts of cases and screen protectors; that and the fact some companies will send you a refurb so what is the point.

    I dont know just I rather have it and not need it, than need it and not have it. I want to hear your good/bad stories about insurance. Did it help you, was it worthless, who provides the best insurance for the buck, etc. With the price of phones going up and the fact we each owned several high end smart phones over the years, I am sure we can learn from each others' experiences.
     
  2. tjk629

    tjk629 Silver Member

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    I do it cause :censored: has happened and I got screwed over when it has happened.

    I've been lucky since, but I've had insurance so... better safe then sorry.

    Sent from my DROID BIONIC using DroidForums
     
    #2 tjk629, Dec 7, 2011
    Last edited by a moderator: Dec 7, 2011
  3. dezymond

    dezymond Tech Support Mod
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    I never did for any of my devices. I take very good care of my devices and am aware of where it is at all times.

    Insurance is for accidents and accidents happen when they happen. IF something ever happens to my phone or any other device I'll take it as a lesson learned...an expensive lesson...
     
  4. patmw123

    patmw123 Senior Member

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    Best Buy's insurance seems to be pretty good. $10 a month with no deductible and unlimited claims (if I'm not mistaken). I certainly don't have insurance on my OG at all anymore though.
     
  5. shrop21

    shrop21 Member

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    I have verizons insurance on my og and when the back button stopped working (ever tried using android w/o a back button? its hard :blink: lol) they replaced it at no cost and got a new phone in less than 48 hrs. It was worth it for me.
     
  6. rck76

    rck76 Super Moderator
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    Yeah, I cracked my D1 by accident and didn't have insurance. I tried to fix it myself but didn't work out. Now I have insurance on my bionic.

    Sent from my DROID BIONIC using Tapatalk
     
  7. gatewayad

    gatewayad Member

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    I agree, never have had but with the TBolt i now have i did buy the $1.99 a month extended warranty thru VZW (covers it for the full 2 years to cover any hardware issues or problems, it does not cover accidents but i am pretty careful also
     
  8. johnnycool001

    johnnycool001 Member

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    I have always had the insurance,I was on Nextel, before my last phone with them, was repaired 3 times in the two years I had it, all for hardware fails. My wife picking hers up from a holder on the dash dropped it in a open cup of milk she had in the cup holder. Her OG was giving issues and was replaced under the included one year for free. However they replaced it with a refurb, after 3 refurbs, each with it's own issue I broke down and paid retail for a D3. So things can happen, but on the flip side $6 a month for two years, =$144 plus another $100 for the ductibul if you need it $244 and you get a refurb, so you really don't win either way.
     
  9. dezymond

    dezymond Tech Support Mod
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    hehe looks like you had to learn the hard way. Knowing you have insurance are you any less careful with it? I know it's subjective, but just wondering.

    Wasn't aware Verizon had extended warranty, then again when the salesman tries to sell me insurance I kinda tune out and just automatically say no. Might consider this, but for now I see no sense in spending another $2/mo for just extended warranty...
     
  10. JSM9872

    JSM9872 Super Moderator
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    I always insure my devices, all of the smart phones on the plan anyway. And I can tell you I baby them, case, screen protector, and just in general are cautious when handling them but I still have insurance because you just never know. One drop at the wrong angle and the darn thing could shatter and I would be furious. And I have never had problems getting replacements when needed. One time I had someone do the whole factory reset thing and when it did not work BAM!, replacement on the way. To me the extra $ is worth it.

    This pretty much sums it up for me:
     
  11. rck76

    rck76 Super Moderator
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    I now carry my phone in my pocket with the back facing out and not the front. My d1 shattered when I had the screen facing outwards and bumped into something at work.


    Sent from my DROID BIONIC using Tapatalk
     
  12. dezymond

    dezymond Tech Support Mod
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    After this post I realized I've done the same thing for so many years lol.