[mysterx]

I did a quick search and I didn't see any recent discussions on this topic. I'm asking for your advice.

It seems as though the arrival of the GN is finally approaching, and now I need to make a critical decision. Where should I buy - Verizon or Best Buy or somewhere else? My GN won't be sporting a case (maybe a screen protector), so I'll be getting an insurance plan. I'm interested in opinions and experiences utilizing your protection plan. I know Best Buy charges a bit more per month, but is it worth it? Does one plan offer more coverage than the other?

Thanks in advance!

-me

[better_man]

insurance ，i wont get that service again.

[cdmta]

Differences that i know of:

VZW:
-9.99 smartphone insurance
-covers anything. even loss
-deductable is 160. last i heard. It has gone up with iphone.(someone correct me if i'm wrong-with accurate info plz. Not rumors)
-get a new or refirb phone shipped to you

BB:
-10/month
-not sure if loss is covered
-they either give you a loaner phone or you go without while yours is repaired
-not sure of deductable

I'm going with neither. Probably this:

[dwaynewilliams#WN]

BestBuy has the better insurance plan. You don't have to pay a deductible or wait for anyone to send you a phone. You can go right into the store and get a replacement on the spot.

[cdmta]

Thanks for the correction. I knew someone that had to wait for theirs. Maybe they didn't have any in stock.

[Bob61]

You might want to take a look at squaretrade.com. They also have a 30% off coupon code offered. Typically much less than VZW.


Sent from my SCH-I510 using Tapatalk

[mysterx]

Great info everyone, thanks! I'm leaning towards BB because I've heard good things about their 'black tie' protection in the past. Although, some of the rumors would lead us to believe BB isn't getting the GN until the 11th. Plus, the big red corporate store in my town closed recently. It converted to a big red reseller, not sure how they operate with regard to insurance plans. <shrug>

-me

[Ezduzit]

BestBuy has the better insurance plan. You don't have to pay a deductible or wait for anyone to send you a phone. You can go right into the store and get a replacement on the spot.

We don't give a replacement instantly, you will receive a temporary loaner and your phone will be in 3-5 business days, we do not cover lost or stolen!

Via Bolt

[greydarrah]

I'm going with neither. Probably this:

That sounds like a great deal. $60 per year (half the price of Verizon) and a smaller deductible. I wonder if they pay cash for a claim as opposed to replacing the phone? Anyone know more about this company?

[jephanie]

Differences that i know of:

VZW:
-9.99 smartphone insurance
-covers anything. even loss
-deductable is 160. last i heard. It has gone up with iphone.(someone correct me if i'm wrong-with accurate info plz. Not rumors)
-get a new or refirb phone shipped to you

I believe I was quoted $6.99/month for insurance through VZW. I don't remember the deductible amount but $160 may be about right. I'm too lazy to call them to verify right now...

[Nakrohtap]

From what I read, only iPhones are higher.
There is insurance protection and total equipment protection, which extends the warranty and also covers lost accessories. The insurance is about $6 a month and total equipment coverage is around $10. Last I heard, insurance co-pays were $99.
I am going to check my statement now that there's all this debate on this issue just to be sure.

[420board]

Square trade is the only warranty I will ever purchase. EVER! Do not fall for the scam at vzw or best buy geeksquad, sqaretrade is the best and most reputable in the biz

[nick1020]

I work at an indirect vzw store and we have an upfront insurance solution that is cheaper than the monthly. its $119.99 for any smartphone. 1st deductible is $70 2nd and every one after that is $120. Averages out to $4.99 a month.

[eljoker]

Verizon which is actully Asurion, is 6.99 a month and 89 for the deductible, iphones are 10.99 and 159 for dedcutible.

Ill be going with Protectcell because its $70 for the year and, $70 for the deductible, new phone no questions asked.

Asurion likes to do Refurbs,

[Nakrohtap]

Verizon which is actully Asurion, is 6.99 a month and 89 for the deductible, iphones are 10.99 and 159 for dedcutible.

Asurion likes to do Refurbs,

I just checked Verizon's website and my bill.

For non-iPhones:
$5.18 per month per covered device.
$99 non-refundable deductible per approved claim.

I believe they lowered the monthly payment and upped the deductible about a year ago.

[Josh515]

I'll have to get some more info, but I've learned that Verizon's insurance is $6.99 a month with a $99 deductable. It covers everything, but I still need to find out if you get a new phone or only a refurbished one. Now for BB, I would stay far away. I've been reading many, many bad things about their service and people are calling it a scam because of how displeased they are with it.

[Josh515]

^I was told the details on Verizon's insurance by a Verizon store rep.

[moondrius]

Best Buys insurance looks good but when you read into it they can deny any claim. If they feel that the damage is extreme or intentional they will not honor the claim.

[5h4un360]

BestBuy Black Tie Protection:

9.99 /mo for smartphones
-Covers everything EXCEPT lost or stolen, and Submerged in water.
-Unlimited claims
-Zero deductibles
-Loaner phones cost $50 as a deposit
-Can bring in your phone to any BestBuy Store

Sent from my DROID BIONIC using Tapatalk

[justintiburon#ac]

I used to work at BB. The black tie is good and you have the option to always renew when black tie is about to expire. With vz they always send refurbished phones atleast when I've asked that's what they said they said if I didn't want a refurbished then I would need to upgrade..

[icebike]

Squaretrade trade people! End of conversation.

Their accidental loss or damage protection beats all. Their prices start off with 2 year coverage, so remember to do the math.

[goldkear]

No no no no! Do not get best buy. They will repair your phone instead of replacing it, this took 3 weeks for me. You have to pay if you want a loaner phone and it won't be a smartphone. They do not cover loss or theft. I canceled my insurance with them for my dinc and will never go back. Total rip off.

I would rather have asurion, the company vzw uses, because they'll replace it no matter what and worse case scenario you'll be without a phone over a weekend. You will get a refurb though, and it might not be the same phone. They are kind of expensive though, with the deductible, so I've been trying to find another option, squaretrade seems legit.

[mysterx]

Okay okay, now I'm second guessing getting insurance from big red or BB. About these e-commerce insurance sites (Squaretrade & Protectcell), have you ever filed a replacement claim with them? I just wonder about turn-around time with a web-based insurance option versus a brick and mortar store?

-me

[brinox]

You might want to take a look at squaretrade.com. They also have a 30% off coupon code offered. Typically much less than VZW.


Sent from my SCH-I510 using Tapatalk

I tried squaretrade with my Nexus One, and I won't be getting a squaretrade warranty for my phone ever again. The problem I had with them was I dropped my phone in the snow, and the earpiece speaker no longer worked, and at the time I was using the phone part of my phone regularly...

Squaretrade provides dollar amounts of coverage for whatever you bought the plan for, and in this case, they arranged for me to send my phone back to HTC for repairs, quoted the cost of repairs (~$250). I was "insured" for up to $600 but after this repair, I would only have $350 dollars left of the dollar coverage. Furthermore, once the dollar amount has been met, the contract is considered fulfilled. So you might be buying the 2 year coverage, but its 2 years OR $600 (in this case) of repairs or replacement costs.


After really looking into Asurion and how reliant I am on my phone, the VZW TEC option was a much better option simply because i'll always know I have a replacement phone within a couple days of filing a claim, and aside from more than two claims per calendar year, there wont be any surprise charges for buying a new insurance plan when the previous coverage runs out

[iandouglas]

BestBuy has the better insurance plan. You don't have to pay a deductible or wait for anyone to send you a phone. You can go right into the store and get a replacement on the spot.

Not for my Nexus S. They wouldn't replace it on the spot a few months ago, they had to send it back and I was shipped a refurbished phone, not my own phone repaired. Good thing I back up frequently. I was without my Nexus S for about 5 days.