do you have cell phone insurance?

[bigj3347]

I pay the accidental theft insurance from Tmoblile, it adds like i think 3$-4$ to my cell phone bill monthly. I recently heard that the only reason people buy this insurance is to go back in 4 months and claim they lost their phone to get a new one for like $15. Is there any truth to to this? Has anybody ever done this before? Can they check whether or not you have been using your phone?

 

[amol]

yes i do

$25/year from Verizon, worth it since i've already lost my phone and i would have had to have bought it for $60

 

[Colt45]

I'd probably need a phone before i get insurance.

 

[PowerMac4Ever]

No, but I have a box filled with spare parts for my V60 and V3 Razr.

 

[Quasmo]

In fact I just had to get a new PocketPC Phone Edition, but they no longer carried that model, and had to give me the HP6315. I was sooooo depressed, OH WAIT!!! I was so happy I got the upgrade.

 

[Goosemaster]

Crazy lady: "Hello, welcome to ___insureance. May I have your info etc...."

***EXCHANGE OF INFORMATION**

Crazy lady: "Well Sir, now that is taken care of, what is the reason that you are requesting your phone, that is to say, how was your phone damaged?"
Me: " yeah, well, I don;t um...I kind of got it wet in the ...with the clothes..."
Crazy lady: "sir, did you accidentally put it in with your laundy?"
Me: "Umm...heh..yeah."
Crazy lady: "that's absolutely fine Sir. In fact, if you had noticed, that is actually stated as a reasonable claim on your insurance information card"
Me: "No sh!t?"

😀

Heh, my Dad just did something similar, and sure enough, the details of water damage were on his insurance app. 😛 Heh, they replaced his $300 phone via overnight Fedex😀

 

[McCarthy]

I've had the same phone since 1993. So @ $3 a month that insurance would cost me $432 to date and only pay to replace an obsolete phone. Guess it's not for me.

 

[hdeck]

nope

 

[jagec]

nope.

But I don't have a cellphone, so it would just be silly anyway.

 

[tami]

used to, not anymore.

 

[isekii]

deductible on the phone is usually more than 15 bucks.
I think it's something like $50 bucks.

 

[imported_Mike]

no, not available

 

[trmiv]

Originally posted by: McCarthy
I've had the same phone since 1993. So @ $3 a month that insurance would cost me $432 to date and only pay to replace an obsolete phone. Guess it's not for me.

Since 1993? Is this you, and your phone?

 

[Corporate Thug]

yes

 

[McCarthy]

Originally posted by: trmiv

Originally posted by: McCarthy
I've had the same phone since 1993. So @ $3 a month that insurance would cost me $432 to date and only pay to replace an obsolete phone. Guess it's not for me.

Since 1993? Is this you, and your phone?

I look pretty good in that picture. Thanks for finding it 🙂

 

[OulOat]

Originally posted by: bigj3347
I recently heard that the only reason people buy this insurance is to go back in 4 months and claim they lost their phone to get a new one for like $15. Is there any truth to to this? Has anybody ever done this before? Can they check whether or not you have been using your phone?

This sounds illegal...

 

[Muadib]

Originally posted by: bigj3347
I pay the accidental theft insurance from Tmoblile, it adds like i think 3$-4$ to my cell phone bill monthly. I recently heard that the only reason people buy this insurance is to go back in 4 months and claim they lost their phone to get a new one for like $15. Is there any truth to to this? Has anybody ever done this before? Can they check whether or not you have been using your phone?

You sir are scum, for even thinking about doing this.:disgust:

 

[rh71]

no because I treat it like my most prized possession anyway because it is... spent $400 on it.

 

[b0mbrman]

Cingular charges $4 a month per phone and a $50 deductible per use.

The way that it stands, I've got a V551 ($150ish on Ebay) and my brother who is also on my plan has a V220 ($100).

Maybe if I had one of those smart phones or a full-on PDA, it would make sense.

 

[klispic]

Yeah cuz I have that kind of luck that if I didn't have it... my phone would explode or some $hit

 

[dman]

For me, 1yr plan, it's pretty much a waste of money. Considering you can get a new phone for free to start (after rebate)... and many others for $1-200 full price (worst case). If it breaks you can get it replaced under manuf.warranty. If you lose it/ gets stolen then $4*12= $48+$50 deductible = $98 to replace phone under warranty for 1yr coverage vs buying a new phone at cost.

Where it's maybe helpful: $300+ phone that you have to have... or 2yr+plans.

 

[cavemanmoron]

i don't know,
my work supplies the phone,and they pay for it,repair if needed.

 

[intogamer]

Do you have to send your damaged phone in?
What about insurance fraud HAHHAH 😵?

 

[Howard]

Originally posted by: intogamer
Do you have to send your damaged phone in?
What about insurance fraud HAHHAH 😵?

How do you send your phone in when it's a case of theft?

Wait a second... What's accidental theft?

 

[isasir]

I did, then I realized it was kinda of silly, since the deductible is still $50.