Droid Insurance


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  1. aaronmach1

    aaronmach1 Well-Known Member This Topic's Starter

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    just wanted to see what insurance everyone got (if u did) on their droids. i was offered by verizon 2 choices. either verizons insurance like $9 a month, or another company which was like $80 for a full year. they talked me out of the verizon one. apparently the verizon insurance gives u a used phone that went through a 15 point inspection. with the other plan u most likley get a brand new phone but if you get a used one its been through 150 point inspection. i paid the $80 for the other company. (oops forgot to say the company is "Protect Cell")
     

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  2. MSU

    MSU Well-Known Member

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    I'm paying the $7 a month one? Azurian I think.
     
  3. aaronmach1

    aaronmach1 Well-Known Member This Topic's Starter

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    i did not realize there were other choices i was offered only 2
     
  4. koticphreak

    koticphreak Well-Known Member

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    I'm paying 5.99 for Asurion. I had it on my last phone so they carried it over and I didn't have to pay the higher price...
     
  5. bubbarob1978

    bubbarob1978 Member

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    I opted for the 6.99/mo. Assurion insurance and it includes a replacement phone after an $89 deductible. You get a refurb phone but thats cheaper than having to pay $569 or whatever retail is for a new phone if I break it.
     
  6. MSU

    MSU Well-Known Member

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    That is just wrong right there, they didn't even offer me that and that was the plan I was on. I think I will call verizon right now.
     
  7. tipopilota

    tipopilota Well-Known Member

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    Is there a deductible if you loose your phone, it breaks, etc if you go w/ Protect Cell??
     
  8. binglejellsx2

    binglejellsx2 Well-Known Member

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    +1
     
  9. MSU

    MSU Well-Known Member

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    well I just called and they just told me that the pda rates had went up. I had actually cancelled my insurance when I dropped my 6800 into the lake during the summer and went back to a flip waiting on the droid. Oh well.
     
  10. MSU

    MSU Well-Known Member

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    Mine was $50., but they have raise it to $70 or $75 for pda phones
     
  11. aaron5610

    aaron5610 Well-Known Member

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    Verizon told me 89 for a claim on PDAs.
     
  12. T0LLPHR33

    T0LLPHR33 Well-Known Member

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    I don't know what i'm paying for insurance...I was grandfathered into my monthly plan a very long time ago...actually when verizon 1st arrive in HAWAII...

    but if my phone ever breaks and/or stolen I pay $90 deductible no questions asked...:D
     
  13. Redflea

    Redflea Well-Known Member

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    Guy at the VZW store told me that the $5.99 insurance wouldn't be honored on Smartphones any more, so I switched. (I'd already had the $5.99 from my previous BB Pearl.)

    If he was either uninformed or just looking for a sale and I could have grandfathered the $5.99 I'm gonna be unhappy...

    Anyone know for sure what's the truth here?
     
  14. tipopilota

    tipopilota Well-Known Member

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    Well according to my bill I am still on the $4.99 a month plan for my insurance and was not told of any changes when I ordered my phone last week over the phone. SO I think you should go back and protest...
     
  15. aaronmach1

    aaronmach1 Well-Known Member This Topic's Starter

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    she did not tell me anything about a deductible.
     
  16. centax1

    centax1 Active Member

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    Went with the 9.99 a month best buy insurance. No deductable. Hope I didn't make a mistake.
     
  17. dmodert66

    dmodert66 Well-Known Member

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    I am going to do the same next week. Seems like BB will be easier to return to...We shall see...
     
  18. vzwdroidtech

    vzwdroidtech Active Member

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    You most likely bought your device from an authorized reseller as opposed to a corporate store. In a corp store, the only flavor is Asurion.

    Yes, the deductible is $89 per claim, and you are limited to two claims in one year.
     
  19. GrandMasterB

    GrandMasterB Go Go Gadget Flow! VIP Member

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    Verizon offers 3 tiers of insurance and can only be added within the first 30 days of purchasing a device. The extended warranty which covers manufactures defects does not take effect until after the manufactures one year warranty is up so you will be paying $1.99 every month for the extended warranty for a full year before it does you any good. The second tier is the Asurion protection which I pay $6 a month for my Droid and the 3rd is the total protection coverage that is a combination of the extended warranty and the Asurion coverage for $7.99 a month for the Droid but the same catch applies in that the extended warranty does nothing for you until after a full year of paying for it. I dont see any point in buying the Total Coverage unless you plan on keeping the device for more than a year, and even then its questionable IMO.



    Description




    Total Equipment Coverage* offers complete protection for your wireless equipment. It combines the benefits of Asurion’s Wireless Phone Protection with the Verizon Wireless Extended Warranty program. If your device or covered accessories are inoperable for any reason-lost, stolen, accidentally damaged, or malfunctioning-you are covered.

    Phones**

    $5.99 per month per covered phone.

    $39 non-refundable deductible per approved claim.


    Advanced Devices**

    $7.99 per month per covered device.

    $89 non-refundable deductible per approved claim.


    For a list of equipment in the Phones and Advanced Devices programs, please visit Asurion's website or call Asurion at (888) 881-2622.



    Asurion Wireless Phone Protection* Asurion, a third-party licensed insurance agency, provides insurance coverage for your wireless device and certain standard accessories. If your device is lost, stolen or accidentally damaged (including liquid and physical damage), you may file your claim with the insurance agency within 60 days of the incident and the device will be replaced upon claim approval. To make an insurance claim online or to obtain Asurion’s Wireless Phone Protection Brochure (all terms and conditions), please visit Asurion's website or call Asurion at (888) 881-2622. Asurion Wireless Phone protection is part of the Total Equipment Coverage bundle or sold separately.

    Phones**


    $4.49 per month per covered phone.
    $39 non-refundable deductible per approved claim.
    Equipment maximum limit: $250 per completed claim.


    Advanced Devices**


    $6.00 per month per covered device.
    $89 non-refundable deductible per approved claim.
    Equipment maximum limit: $1500 per completed claim.

    For a list of equipment in the Phones and Advanced Devices programs, please visit Asurion's website or call Asurion at (888) 881-2622.

    Claim Limits: 2 Claims in a 12-month period (In New York, 2 claim limit is per policy year).

    Asurion may fulfill claims with new or remanufactured equipment. In general, claims are fulfilled with the same make and model you claim. If this is not possible, a like-kind make and model will be substituted. Color, feature and accessory compatibility are not guaranteed.

    Cancellation Policy: You may cancel your coverage at any time and receive a pro-rated refund of your unused premium.



    Extended Warranty* provides convenient coverage against any mechanical or electrical malfunctions and manufacturer defects after the manufacturer's warranty expires. The customer receives the same model (reconditioned) as the customer’s defective device, or if the same model is not available – a comparable model. The cost is $1.99 monthly per device. Verizon Wireless Extended Warranty is part of the Total Equipment Coverage bundle or sold separately.



    *Total Equipment Coverage and Extended Warranty not available in Florida. Florida customers receive extended warranty coverage under the Asurion Wireless Phone Protection policy.


    **Effective 5/17/2009, with all new device activations and new device upgrades. Until you upgrade to a new device, the existing monthly fee and deductibles remain in effect.

    Calling Features: Total Equipment Coverage?
     
  20. koticphreak

    koticphreak Well-Known Member

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    sorry to hear that, that sucks!
     
  21. koticphreak

    koticphreak Well-Known Member

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    I'd call and complain - they should have grandfathered it for ya.
     
  22. djsat03

    djsat03 Well-Known Member

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    I went with SquareTrade Warranties, i think it was $67 for 2 years. And it covers Accidental Damage from Handlings(damage from liquid spills, item drops, or any other accidental damage) and hardware failure. Only thing it does not cover is willful damage, negligent use, theft or lost. There is $50 deductible for ADH. And if they can't repair your phone they will gave you the full refund of your phone max ($399). I still think this is better then verizon wirless insurance they offer, which in two years end up costing you $240 (assuming its $10 an month).
     
  23. mikespe

    mikespe Well-Known Member

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    So based on what I am reading insurance is well worth getting? I have never had insurance on my phone and never had a need for it. My Droid will arrive tomorrow. When I purchased it online I declined the insurance but it did say I had 30 days to add it. I probably will since this phone is far more expensive to replace and probably won't handle as many drops as my Razr and Env2 did!

    So if I got it straight, the Total protection and extended protection probably aren't worth getting correct? The third party insurance souns like the best option correct?

    Thanks
     
  24. x475aws

    x475aws Active Member

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    I got the $7.99/month Asurion plan. Never got phone protection before, but the Droid spends a lot more time in my hands than my previous non-smart phones, and it's got lots of stuff to break.

    I skipped the $1.99/month extended warranty, because it seems that Verizon basically provides a $50-deductible extended warranty for free, and the $1.99/month just buys down that deductible to zero.
     
  25. audioi

    audioi Well-Known Member

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    My past insurance results have been poor. Pay for 2 years, something goes wrong, pay $50 for a $50 phone and end up with a used remanufactured phone that smells like someone puked on. No thanks.
    Its only a phone. If you trash it buy another.
     

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