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    Default Insurance Options... Cancelling TEP

    I've been looking into cancelling Sprint's TEP, and going with Squaretrade... As of now, there is no Evo lte option when I choose a device... Just all other phones... I didn't know if this would make a difference. Are there other reputable companies?? I'd rather not go through BB as I've read some horror stories. I take great care of my phones, but I've had a couple hardware failures that warranted replacements.
  2. #2  
    Quis89's Avatar

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    Default Re: Insurance Options... Cancelling TEP

    Whats wrong with TEP? Are the other options cheaper?
  3. #3  

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    Quote Originally Posted by Quis View Post
    Whats wrong with TEP? Are the other options cheaper?
    Monthly rate is set to increase to $11, deductible increases to $150 for EVO LTE and similar priced devices. I'll probably stick with it, though...other options like Best Buy don't insure lost or stolen phones, and have been known to be other-than-hassle-free.
    Last edited by ImmaSlave4U; 05-28-2012 at 09:39 AM.
  4. #4  
    errbin's Avatar

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    Default Re: Insurance Options... Cancelling TEP

    I went with Best Buy's insurance
  5. #5  

    Default Re: Insurance Options... Cancelling TEP

    Yep gonna stick with it even with the rate increase. I've used mine enough times to pay for itself a few times over. Never once had a situation where I had to pay the $100 replacement fee so everything has been free of charge which is nice.

    Some people don't believe in having it as money thrown away but when the event arises where you have a hardware failure and they replace your device free, it pays right there for a year or better of TEP costs.
    Paul
    Moderator Team Leader @ Android Central





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  6. #6  

    Default Re: Insurance Options... Cancelling TEP

    What is the manufacturer warranty on these phones? If they're covered for one year and you pay with American Express extending it a year would it make since to just drop the overpriced TEP insurance?
  7. #7  

    Default Re: Insurance Options... Cancelling TEP

    They are covered for one year but you have to think about normally a week or possibly more turn around time you could be without your device while its being shipped and fixed.

    Warranty coverages are about what you expect from any electronics these days.. Hardware failures, (doesn't cover screen cracks/shattered), USB port failure's which are common are covered usually unless its a solder joint that has been broken, causing the problem in which they fault that of the consumer for abuse. TEP is about the same coverages, they do cover a single break/crack up to 1 inch in length. Used to cover screen breakage no matter how bad but that was soon dismissed as many people purposely took advantage of that to get either a full replacement or a new screen due to a small crack(s) of their own doing from being mistreated.

    Plus hope that whatever your sending it in for HTC or whatever manufacture doesn't decide they don't want to cover it. I have seen that happen from Samsung and it burned up a 2 weeks of time and the customer wasn't made aware of Sammy's decision not to fix the device until it was sent back with an enclosed explanation.

    Ultimately its your choice but I feel its worth the TEP for normally a 2-3 day turn around or sooner on replacements and your made aware immediately if they are going to do it for free under TEP or if its going to cost you the replacement fee.
    Last edited by Paul627g; 05-28-2012 at 09:59 AM.
    Paul
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  8. #8  

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    It isn't just to replace the phone. The insurance covers work.done on the.phones by sprint techs. I had bb 9630. Techs worked on it every three weeks minimum. Never paid a dime. I'm staying with TEP.
  9. #9  

    Default Re: Insurance Options... Cancelling TEP

    Quote Originally Posted by bhawkfan31 View Post
    It isn't just to replace the phone. The insurance covers work.done on the.phones by sprint techs. I had bb 9630. Techs worked on it every three weeks minimum. Never paid a dime. I'm staying with TEP.
    Exactly... Aside from the hardware replacement/parts it covers the tech's time which any local 3rd party dealer would nail you with the normal hourly rate or ballooned price on commonly fixed items.

    Tell you the truth, items that aren't covered under the normal TEP requiring the replacement fee I have turned around and fixed myself with little trouble. I've replaced full screens, keyboards, speakers, buttons on my old BB's and Epic 4g. These devices are made to be easily assembled and fixed with very little skill needed aside from a small set of screw drivers and/or security torx drivers. Parts for just about anything can be readily found/available all over the internet with YouTube videos and more to guide you through every step of the process.
    Paul
    Moderator Team Leader @ Android Central





  10. #10  

    Default Re: Insurance Options... Cancelling TEP

    If there is a screen crack, do you just pat the deductible?
  11. #11  

    Default Re: Insurance Options... Cancelling TEP

    Quote Originally Posted by BigPuddin View Post
    If there is a screen crack, do you just pat the deductible?
    I'm not positive if the same "TEP" rules are applied across the board for other carriers but Asurion via Sprint states they will cover up to one crack/1 inch in length which doesn't cover about 99% of the cracks these days...

    Otherwise you have to pay the replacement fee of $100 or $150 for the screen to be replaced.
    Paul
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  12. #12  
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    Default Re: Insurance Options... Cancelling TEP

    OR...No Tep, no insurance at all, and Sprint replaced my daughters screen on OG Evo for $35 while she waited.
    misc>Launch Day PalmPre>>Launch Day EVO!>ditto Evo 3d>>Ditto Evo LTE>HTC ONE
  13. #13  

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    I plan on getting "item insurance" through my homeowner insurance provider. It looks to about $50 for a year of coverage with no deductable.
  14. #14  

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    Honestly when you consider that sprint will replace your phone free if they cannot find that you caused whatever issue your having when you have TEP I don't see any reason not to have it.

    Sent from an alternate universe where I'm using my new Evo LTE that isn't held in customs.
  15. #15  

    Default Re: Insurance Options... Cancelling TEP

    Quote Originally Posted by sjcdal View Post
    OR...No Tep, no insurance at all, and Sprint replaced my daughters screen on OG Evo for $35 while she waited.
    That maybe the case for the OG Evo, trust me you bust a screen on a newer device and that $35 won't make a dent in the cost of the screen.

    Reason I say this is you Google a replacement screen for the EVO 4g and they average about $30-$35, so that fits the bill.. Average price on newer phones is well over $100 or better.

    Of course that type of $35 replacement fee is also at the discretion of the store/tech and their policies. I wouldn't expect the same treatment in all Sprint repair locations.
    Paul
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  16. #16  
    cgardnervt's Avatar

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    Default Re: Insurance Options... Cancelling TEP

    Sprint does do a good job. I remember my Sprint Palm Pre- had a broken power button in Boston while i was down there. So I brought it to the corp store and they took it in for free. I was able to pick up my Pre- within an hour and they got it working for me. In fact I still have the phone today! Just no longer activated. So 2 thumbs up to Sprint for the service.
    HTC One (ATT GSM)
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  17. #17  

    Default Re: Insurance Options... Cancelling TEP

    Quote Originally Posted by decke003 View Post
    I plan on getting "item insurance" through my homeowner insurance provider. It looks to about $50 for a year of coverage with no deductable.
    This I would be interested in hearing more about over the long term. Since normally any time you make a claim on your insurance regardless of auto/home it normally starts to put you in the negative which come renewal time of your insurance (quarterly/6 mth/yearly) you will see an increase in your cost. Granted most insurance companies won't nail you on the first claim but multiple claims in a year or so will usually cause this to happen.

    Just not sure if its work driving up the overall price of my car/home insurance over a string of bad luck with my smartphone from insurance claims.

    Thoughts?
    Paul
    Moderator Team Leader @ Android Central





  18. #18  

    Default Re: Insurance Options... Cancelling TEP

    I understand why there's the need for insurance, but at some point the cost exceeds the benefit. It's $528 for TEP for my wife and I over the 2 year period. That's a lot of money and doesn't even include the $150 deductible if needed. At some point you just take your chances.
  19. #19  

    Default Re: Insurance Options... Cancelling TEP

    Quote Originally Posted by elshagon View Post
    I understand why there's the need for insurance, but at some point the cost exceeds the benefit. It's $528 for TEP for my wife and I over the 2 year period. That's a lot of money and doesn't even include the $150 deductible if needed. At some point you just take your chances.
    I agree on the cost.. Its one of those your burned if you do, burned if you don't situations...

    For me, since I happen to have had my share of bad luck over the last few years its paid off. I've had my old BB replaced with refurb 2 times, a Palm Pixie replaced, gone through about 5 refurbed Epic 4g's for various reasons along with in store repairs and 1 NS4G replaced. So for me its been a win win situation. YMMV
    Last edited by Paul627g; 05-28-2012 at 01:38 PM. Reason: typo
    Paul
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  20. #20  
    errbin's Avatar

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    Default Re: Insurance Options... Cancelling TEP

    Quote Originally Posted by elshagon View Post
    I understand why there's the need for insurance, but at some point the cost exceeds the benefit. It's $528 for TEP for my wife and I over the 2 year period. That's a lot of money and doesn't even include the $150 deductible if needed. At some point you just take your chances.

    My wife super bad with phones breaking,wetting, and losing them

    I wince sometimes the way she treats her phone
  21. #21  

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    Quote Originally Posted by Paul627g View Post
    This I would be interested in hearing more about over the long term. Since normally any time you make a claim on your insurance regardless of auto/home it normally starts to put you in the negative which come renewal time of your insurance (quarterly/6 mth/yearly) you will see an increase in your cost. Granted most insurance companies won't nail you on the first claim but multiple claims in a year or so will usually cause this to happen.

    Just not sure if its work driving up the overall price of my car/home insurance over a string of bad luck with my smartphone from insurance claims.

    Thoughts?
    I had planned on going through my homeowners, but if they don't consider it desperate from my other policy, then i may get a seperate policy with a different company. I will have to look into that.
  22. #22  

    Default Re: Insurance Options... Cancelling TEP

    Quote Originally Posted by elshagon View Post
    I understand why there's the need for insurance, but at some point the cost exceeds the benefit. It's $528 for TEP for my wife and I over the 2 year period. That's a lot of money and doesn't even include the $150 deductible if needed. At some point you just take your chances.
    I think you have a misunderstanding about the nature of insurance. It never has been and never will be a benefit neutral consumer good. What you are purchasing is peace of mind. Sliding the numbers is a fool's hollow because you have no way of knowing when that strike of bad luck is going to hit. It could hit in two weeks following by another hit six months later and then two months after that. Or it could never hit at all. But what you are buying is a policy that relieves you of a huge financial burden should that bad luck strike.

    I have had comprehensive and collision insurance on my paid off vehicle for several years. I have never had a claim. I never think about whether the cost is greater than the benefit because if some uninsured motorist were to total my car, I have that peace of mind that I will get a check so I can at least put a sizable down payment on a new car.

    Of course you can take your chances, but I have to say in all my years of living, every person I know didn't buy insurance and then got hit with bad luck expressed much more grief over not having insurance than the person who does pay insurance premiums and never has a claim.
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  23. #23  

    Default Re: Insurance Options... Cancelling TEP

    Quote Originally Posted by Paul627g View Post
    I agree on the cost.. Its one of those your burned if you do, burned if you don't situations...

    For me, since I happen to have had my share of bad luck over the last few years its paid off. I've had my old BB replaced with refurb 2 times, a Palm Pixie replaced, gone through about 5 refurbed Epic 4g's for various reasons along with in store repairs and 1 NS4G replaced. So for me its be a win win situation. YMMV
    Wow, yeah it seems to depend each persons experiences. I'm kinda on the fence to be honest with the EVO 4G LTE I purchased directly through Sprint.

    I went without TEP or Insurance for the entire length of time with the original EVO 7/10 - 5/12. I'm responsible/careful with my phones. I had to send it in to an HTC service center in Texas twice during the first year warranty for USB connector(repair) and random reboots(replacement) one month before the warranty expired. I did not have a backup phone. So it ended up costing approx $30? in shipping and two months with Boost/Virgin phones $90?

    I may end up upgrading at the end of the 1 year warranty this time. So it's either I keep the EVO as a backup or sell it and ???

    If I could just walk right into a Corp Store and if needed have it replaced on the spot or repaired, THAT I would interested in!
  24. #24  

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    Well I'm going prepaid next month, so what are my options?

    Sent from my sorry *** EVO 3D
  25. #25  

    Default Re: Insurance Options... Cancelling TEP

    Quote Originally Posted by CTREV21 View Post
    Well I'm going prepaid next month, so what are my options?

    Sent from my sorry *** EVO 3D
    I recently saw Virgin Mobile started offering insurance, I don't know if other operators do.
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