02-27-2014 03:24 AM
52 123
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  1. berty6294's Avatar
    I don't think so. One time payment of $100 with a $50 deductible to use the policy. Over two years, that comes out to about $4.17/month.

    I'll check the paperwork when I return home from work this evening.
    I believe you're right. That's what it was for my Surface.
    02-25-2014 10:25 AM
  2. jlzimmerman's Avatar
    Dang. That sucks :(

    I don't do insurance because I accept the risk, and to me it is worth the risk. X dollars per month plus a deductible? No, thanks.
    02-25-2014 11:41 AM
  3. Christopher Senn's Avatar
    monthly charges and a $100 deductible or $150 will get you a replaced screen without insurance in most shops.
    I never broke any of my screens. I dropped roughly 6 different types of phones several times always on cement. Never did anything crack or break.
    Plus phone depreciation drops dramatically after a year. By the time your two years is up, your deductible may be worth more than your phone. I just risk it and avoid insurance.
    02-25-2014 11:51 AM
  4. Indistinguishable's Avatar
    Okay, did the math. The phone was $199.99 at the Microsoft store. The Insurance plan was $99.99 with a $50.00 deductible if I actually use the plan. The Microsoft store gave me 20% off my entire purchase for buying the phone and insurance plan at the same time. The total before tax came to $240.00.

    Meaning, for only $40.00 on top of what I would have originally paid I now have: Two years of coverage on this purchase with the Microsoft Store that entitles me to a brand new device for an additional $50. No questions asked. I can make up to two exchanges.

    To me, someone who took multiple risk management & actuary courses in college, that is SO worth it.
    palandri likes this.
    02-25-2014 12:46 PM
  5. Keith Wallace's Avatar
    I think the peace of mind alone out weighs the cost. Especially through the Microsoft store. $100 for two years of insurance that covers everything except lost devices. $50 deductible really isn't that horrible when you're getting a brand new phone out of the box. You also get 20% off your purchase if you buy the insurance plan for the device at the same time. My store gave me that, anyway. Not sure if that's true for all Microsoft Stores or not.

    It also enables me to roll without a case more freely.
    It obviously depends on how error-prone you are. I had insurance on my first few phones, but I never needed it. I don't know if I had it on Verizon, but that phone survived as well. I have had two devices get warranty replacements for being defective (HTC Droid Incredible and Motorola RAZR), but I've never broken a phone before I upgraded. I'd rather not spend the money on insurance when I've got no track record of carelessness. I've dropped my 920 a few times, but it's taken no damage.

    My cousin, on the other hand, insurance was MADE for him. He has lost two phones, I think. One was replaced through insurance, if I remember correctly. The second, he used the upgrade that my grandma never used and got a 900. He's been living with a cracked screen on that for probably close to half its life because he's careless.

    But like I said, given that I'm relatively careful with my phones, I don't see a need for insurance for myself. My next phone will have something like this happen to my though, just because I said something about it.
    02-25-2014 12:50 PM
  6. Kieta's Avatar
    Some insurance is certainly a scam. But I think the insurance for these smart phones are worth the peace of mind. Accidents happen, that's why they call them accidents. I didn't initally get my Icon with Verizon insurance but they have open enrollment through March so I will sign up eventually. On the other hand my daughters have iphone 5c's and there was no way I would allow them to even use them without insurance. lol. Been lucky so far with them but they're kids and things happen. The decutible on those things is crazy though.
    02-25-2014 01:05 PM
  7. willied's Avatar
    If you're known to destroy phones then an insurance plan can be a good idea. For someone like me who hasn't broken their last 4 phones, it's most likely not worth it.
    02-25-2014 01:11 PM
  8. realwarder's Avatar
    For me $100 insurance and $100 deductible is was too much per phone. For my wife she has a case and despite being accident prone and dropping the phone all the time it's survived. Me, I don't have a case and have survived 3 falls without incident. If you're under contract, you only have to survive 2 years without a break... and a 520 would make a cheap filler.
    02-25-2014 01:26 PM
  9. Robinsonmac's Avatar
    This is my 1st broken phone & if you read my post, you would know it was knocked out of my hand from behind when a jogger bumped into me. I've gone 3 years prior without any issues. I got the Icon on the edge program which means so far I've paid $23 for the phone & $4.125 for insurance & another $20 +/- for taxes. As of today out of pocket I've spent $47.125 plus $75 to get a brand new replacement. I don't have to keep the phone for 2 years and most likely won't 12-18 months most likely.
    02-25-2014 01:28 PM
  10. Kieta's Avatar
    $100 insurance plus $100 deductible is a lot. But coming out of pocket $500 for a new phone is worse.
    02-25-2014 01:31 PM
  11. Robinsonmac's Avatar
    $100 insurance plus $100 deductible is a lot. But coming out of pocket $500 for a new phone is worse.
    that's not what mine cost, $99 for 2 years plus $75 deductible, I pay my insurance monthly so as of today I'm only out $4.125 for insurance & $75 deductible. Plus I can cancel my insurance when ever I want.
    02-25-2014 02:14 PM
  12. airjeff's Avatar
    I noticed it when I was comparing prices between VZW and Microsoft. It could be different on the website vs. the store though...
    msstore.jpg
    02-25-2014 02:22 PM
  13. Robinsonmac's Avatar
    I have square trade insurance
    02-25-2014 02:47 PM
  14. realwarder's Avatar
    $100 insurance plus $100 deductible is a lot. But coming out of pocket $500 for a new phone is worse.

    But... a year after purchase it isn't a $500 phone, even new...
    02-25-2014 02:49 PM
  15. Kieta's Avatar
    But... a year after purchase it isn't a $500 phone, even new...
    Depends on the phone. If you buy an iphone, it will certainly be that price. And a 928 is still 399 off contract.
    02-25-2014 03:23 PM
  16. Curtieson's Avatar
    Depends on the phone. If you buy an iphone, it will certainly be that price. And a 928 is still 399 off contract.
    That is new...your phone that you might/might not break is obviously not new. Looks to be decently common at a $200-$250 price point.


    Obviously breaking a phone in Week #1 is winning the 'insurance lottery'... My thought on it...I have pocketed the $100x6 phones that I have not broken in my life...and if I DO break a phone, I just will go out and buy a $100 replacement (like a 820 or a couple 520s, haha) and if I regret not having the super duper features I once had on my fancy phone, I guess I SHOULDN'T HAVE DESTROYED IT!
    Editguy1900 likes this.
    02-25-2014 04:13 PM
  17. Robinsonmac's Avatar
    Unless your phone was destroyed not of your own doing but by some moron running past you & you didn't save the money you saved by not getting insurance. Plus my insurance is only $4 per month w/ a $75 deductible if it breaks or gets stolen, water damage, etc waaaay cheaper than $10 per month with $100 deductible. The iphone on Verizon insurance plans have a $169 deductible
    lsmachado likes this.
    02-25-2014 05:43 PM
  18. Robinsonmac's Avatar
    Just got the tracking number new phone will be here tomorrow. Total cost to get a brand new replacement....$79. Cost of getting screen repaired $256 including shipping both ways.
    Kieta and Indistinguishable like this.
    02-25-2014 05:48 PM
  19. macroweb's Avatar
    Hi,

    I dropped my phone and cracked the display yesterday too. Do you have Asurion as your insurance? They told me to wait until Wednesday, as the phone is not yet in their system.

    I am so loving this phone.

    Thanks for the help!

    Macroweb
    02-25-2014 06:32 PM
  20. palandri's Avatar
    Phone insurance is one of those things that you need to measure the cost and benefits. I've bought it a couple times through square trade when I purchased a phone through NewEgg and it was like $49 for one year. I've never had to use it.
    02-25-2014 07:47 PM
  21. Robinsonmac's Avatar
    Hi,

    I dropped my phone and cracked the display yesterday too. Do you have Asurion as your insurance? They told me to wait until Wednesday, as the phone is not yet in their system.

    I am so loving this phone.

    Thanks for the help!

    Macroweb
    Welcome to the club..... I have square trade, but they told me the same thing, I told them that was not acceptable. They said call back in 24 hours & we will have a new phone sent from Verizon they'll put it in their system & ship it to me to arrive Wednesday. I did & it shipped today.
    02-26-2014 02:25 AM
  22. Curtieson's Avatar
    Unless your phone was destroyed not of your own doing but by some moron running past you & you didn't save the money you saved by not getting insurance. Plus my insurance is only $4 per month w/ a $75 deductible if it breaks or gets stolen, water damage, etc waaaay cheaper than $10 per month with $100 deductible. The iphone on Verizon insurance plans have a $169 deductible
    Yes, like I said, you won the lotto, haha. I don't know the odds on it, but show of hands, who has had someone run past you and knock your 1 week old phone to the ground and destroyed the screen?

    1) Robinsonmac
    2)

    haha
    02-26-2014 09:46 AM
  23. Christopher Senn's Avatar
    It obviously depends on how error-prone you are. I had insurance on my first few phones, but I never needed it. I don't know if I had it on Verizon, but that phone survived as well. I have had two devices get warranty replacements for being defective (HTC Droid Incredible and Motorola RAZR), but I've never broken a phone before I upgraded. I'd rather not spend the money on insurance when I've got no track record of carelessness. I've dropped my 920 a few times, but it's taken no damage.

    My cousin, on the other hand, insurance was MADE for him. He has lost two phones, I think. One was replaced through insurance, if I remember correctly. The second, he used the upgrade that my grandma never used and got a 900. He's been living with a cracked screen on that for probably close to half its life because he's careless.

    But like I said, given that I'm relatively careful with my phones, I don't see a need for insurance for myself. My next phone will have something like this happen to my though, just because I said something about it.
    i wouldnt even say im overly protective with my phones. I do use a back case for it. But never lost or damaged a phone. But other people seem to be losing it all the time. And seems that every cracked screen appears to be an iPhone. Weird how some people can be so careless with their phones. The one year warranty is all i care about. I can get several bad phones with broken GPSs and crappy batteries
    02-26-2014 10:45 AM
  24. Robinsonmac's Avatar
    Yes, like I said, you won the lotto, haha. I don't know the odds on it, but show of hands, who has had someone run past you and knock your 1 week old phone to the ground and destroyed the screen?

    1) Robinsonmac
    2)

    haha
    It's not about luck or winning the lotto. Point is I bought insurance for instances just like these. And to me the cost/benifit is worth it. And @ $4 a month the cost is low enough, less than one cup of coffee at starbucks per month...... haha....
    Indistinguishable likes this.
    02-26-2014 12:33 PM
  25. SwimSwim's Avatar
    This just goes to show you: ALWAYS BUY INSURANCE!!! Especially since the Microsoft Complete insurance plan is a really good deal (assuming you buy your device from the Microsoft Store).

    Anyways, we'll mourn the loss of your phone. Shame to see such an Icon (pun most fully intended) see such tragic fate, and so soon...
    Robinsonmac likes this.
    02-26-2014 03:43 PM
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