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who will have a better exchange policy?

The good part about Virgin is that they'll send you a replacement sight unseen. Amazing what "could" possibly happen to your phone during return shipping. :D Another point in their favor is that unlike everyone else whose warranty on the replacement is either 30 days or the remainder of your original warranty, whichever is longest. Virgin actually restarts your 1 year warranty beginning from the date that you activate the replacement.
 
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I accidentally (yes accidentally, I had a good working phone) cracked my screen on my Triumph and I told them the truth about what happened and they sent me a replacement still.

Replacement was defective so I asked a for a brand new one and after being told no twice, by 2 different people, they sent me a brand new one, sealed in box with everything in it.
 
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