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General Insurance?

Discussion in 'Android Devices' started by nedroid, May 2, 2010.

?

Do you carry insurance on your phone?

Poll closed May 7, 2010.
  1. Yes, I carry insurance.

    61.5%
  2. No, I do not carry insurance.

    34.6%
  3. I was not carrying insurance and lost or damaged a phone.

    7.7%
  4. I've have had to file an insurance claim for a lost or damaged phone.

    11.5%
  1. nedroid

    nedroid Member
    Thread Starter
    36

    May 2, 2010
    18
    1
    36
    Web Developer
    Greensboro, NC
    This is a poll of sorts to find out what the general feeling is about insurance. I had never carried insurance until my last phone but since it was a smart phone I decided to carry it for a few months. Then I forgot to cancel it and when I upgraded to my Droid my insurance was upgraded.

    Along with the upgrade came a price increase and an increase in the deductible. Now my insurance costs me $6 a month plus tax and the deductible is $89.95.

    I'm seriously considering canceling it. With the exception of one phone that I dropped into the dog's water bowl several years ago (and that phone recovered), I have never had the need for it.

    The current cost of the insurance plus the deductible means that in a year the cost of replacing my phone will be around $165 (factoring in some tax). By that time I'll probably be ready for another phone anyway.

    Any opinions?
     

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  2. TheSultan

    TheSultan Well-Known Member
    183

    Mar 6, 2010
    1,483
    255
    183
    Operations Manager
    Rochester, NY
    IMHO, phone insurance is the biggest scam going. Unless you are completely a clutz and can't take care of yourself (like, my brother, insurance is perfect for him!).
     
  3. Shotgunx1x

    Shotgunx1x Well-Known Member
    38

    May 2, 2010
    145
    16
    38
    Male
    Tucson, AZ
    Isn't the required data plans on almost all phones a bigger scam?
     
  4. drdoom

    drdoom Well-Known Member
    93

    Apr 8, 2010
    959
    183
    93
    College Student
    North Carolina
    +1. My iPod Touch was the first expensive portable electronic I purchased that I considered putting insurance on. I'm glad I didn't. Had it for over a year and the thing is in mint condition. If I did get insurance though, I would get one with a low deductible and brand new phone replacement and break my phone about a month before the insurance expired.
     
  5. nedroid

    nedroid Member
    Thread Starter
    36

    May 2, 2010
    18
    1
    36
    Web Developer
    Greensboro, NC
    Same with my touch. I have never had a screen protector on it and the screen looks like new. I've even dropped it once.

    But there is one post on this forum of a shattered screen on an incredible--dropped from only two feet.
     
  6. nyjetsfan28

    nyjetsfan28 Well-Known Member
    18

    Apr 29, 2010
    66
    22
    18
    Is insurance a scam? Probably...

    BUT I don't at all miss/notice the $10 a month, whereas I'd really miss $539 or whatever it is if I broke my phone. ;)
     

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