Annoyance with Assurion

Nephilim_80

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May 18, 2010
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Does anyone else find it kind of ridiculous that assurion has reduced the monthly premium by 1 dollar yet upped the payment to $99? The Inc's are selling brand new for $50-$100, how is it reasonable to pay a monthly insurance premium that in turn makes the deductable the exact same amount the device is selling for new (and in some cases $50 more)?

I get that it's with contract but still, this is a little insane, just over a year ago I was paying $5 a month and only had to pay $50 for a new phone.
 

Jude526

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Dec 13, 2010
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I have canceled the insurance and hope I don't regret it. But after paying for two years and never using the insurance thought I was throwing the money away. Knock on wood haven't had to use insurance but I do have an extended warranty on it. Now for those who are careless with their phone and do not have insurance, the cost of replacing the device is retail and for the incredible it is 529.00 So if you have the insurance and need it, then the price they charge is much better than paying full retail.....

I have a friend who is very careless and has had two insurance claims with two different phones. And I have to laugh because both for the same reason dropping in the toilet. I keep telling her to keep it out of the bathroom. But she didn't listen.
 

bigk

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Apr 22, 2010
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I've used assurion for cell phone insurance. I had to file a claim for my LG Voyager and they sent be one in the mail over night.

I've been pretty happy with the coverage so far. I have heard that some times they won't send the same phone to you, and they will send a model that is comparable or at least similar in some way. (I would assume this is the case if they don't have any HTC Incredibles in stock.)

That's what the fine print says as well.

Also where are you finding htc incredibles for $50-$100 dollars? If I broke my incredible today and I didn't have insurance I would have to pay verizon $529.99 (full retail) for a brand new phone. The only other way would be to buy a phone used on ebay, or craiglists or what ever.
 
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xvflutop

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May 20, 2010
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I have had bad experiences with them in the past. On one occasion they sent me two consecutive defective phones. Then tried to tell me that I needed to pay the fee each time. Then the last time i called them was because my LG Dare just stopped working. One day it worked, the next it didn't. Took it to the VZW store and they put a test battery in it and same result. Told me to call Assurion. They denied my claim because it wasn't broken they said. Luckily VZ sold me a refurb Dare for the same price as my Assurion deductible when I told them they wouldn't replace it.
 

318sugarhill

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Jun 9, 2010
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Insurance is good if you are hard on your phone. If something happens to your phone, you will $500 or more for a new one since you wont have a phone upgrade on your plan. People dont realze that carriers subsidize the cost of our phones. Thry recoup their money by you paying the bill for 2 years. I have 4 lines on my plan. If something happens, i usually have an upgrade available so i nevrr subscrbe to the insurance. With the deductble and monthly cost, your better off puting $10 a month in a coffee can. If you take care of your equipment, you will likely save enough money to replace your phone at full retail if something happens. Ive been with vzw for 12 years. Only needed to replace a phone once. So $10 times 144 months, thats $14,000 i didnt give to assurance.

However, my wife cracked her D2 screen the first month she had it. You can add the insurance if you are still within your return time period (formerly 30 days, now 14 days). We did that, paid the deductible for tu replacement, and canceled the insurrance the next month. She now uses a protective case like me.

My advice is pay for he protective accessories, and save the insurance money.
 

dwaynewilliams#WN

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Feb 17, 2010
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I had a bad experienve with Asurion. I damges my bLackBerry and I was told that I nneeded to fill out an application to make the claim and get it notarized. They also wet up on the deductible without telling me. I haven't had insurace since then. I wouldn't mind BestBuy's insurance policies.