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Did you buy insurance for iPhone 4?
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Grizzled Veteran
Join Date: Jun 2006
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Did you purchase the insurance available for iPhone 4? It covers damage, theft, loss, out of warranty failure. Downside it cost $11.99 a month.
Apple care is a one time fee of $69 and can be purchased anytime during the 1st year but does not cover breakage, spills, damage, theft and loss.
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16 GB 2nd Generation Black iPod Touch w/Contour Showcase
White Core 2 Duo Macbook with: 2.0 GHz/1 GB Ram/80 GB Hard Drive
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Grizzled Veteran
Join Date: Jun 2006
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16 GB 2nd Generation Black iPod Touch w/Contour Showcase
White Core 2 Duo Macbook with: 2.0 GHz/1 GB Ram/80 GB Hard Drive
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Mac Elite
Join Date: Oct 1999
Location: Carmel, IN, USA
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A few thoughts: - These plans are provided because on average they are profitable
- If you have the plan and have a problem they cover, you'll be quite happy
- If you don't have a problem, you've wasted $288 over 2 years (probably plus tax) if you want to cover breakage, and I think then there's a deductible of $199.
- In the past, I think iPhone out of warranty repairs, like screen replacement are around $200. Perhaps iPhone 4 issues are going to be more expensive.
- When you get about 18 months out, typically you're upgrade eligible, and in the case your phone dies, you can upgrade to the latest model
With all of this in mind, it doesn't seem like a great deal to me even without the deductible unless you're unable to save a bit in case you need it for a repair.
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iMac Late '15 5K 27" 4.0 Quad i7 24/512GB SSD OWC ThunderDock 2 Blu-Ray ±RW MBP '14 Retina 15" 2.6 16/1TB iPhone 7+ 128 Jet Black iPad Pro 128 + Cellular
FOR SALE: MP '06 Yosemite 8x3.0 24/240GB SSD RAID 0, 240GB SSD, 1.5TB HDD RAID 0, 1TB HDD, Blu-Ray±RW, Radeon HD 5770
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Grizzled Veteran
Join Date: Jun 2006
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Originally Posted by schalliol
A few thoughts: - These plans are provided because on average they are profitable
- If you have the plan and have a problem they cover, you'll be quite happy
- If you don't have a problem, you've wasted $288 over 2 years (probably plus tax) if you want to cover breakage, and I think then there's a deductible of $199.
- In the past, I think iPhone out of warranty repairs, like screen replacement are around $200. Perhaps iPhone 4 issues are going to be more expensive.
- When you get about 18 months out, typically you're upgrade eligible, and in the case your phone dies, you can upgrade to the latest model
With all of this in mind, it doesn't seem like a great deal to me even without the deductible unless you're unable to save a bit in case you need it for a repair.
True but I already dropped my iphone once. It is bound to happen again. There is a $50 deductible when claiming on an accidentally damaged item
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16 GB 2nd Generation Black iPod Touch w/Contour Showcase
White Core 2 Duo Macbook with: 2.0 GHz/1 GB Ram/80 GB Hard Drive
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Clinically Insane
Join Date: Jun 2001
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Not for me.
Insurance for consumer electronics doesn't make sense, unless you have a habit of being negligent or abusive with your devices.
-t
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Mac Elite
Join Date: Oct 1999
Location: Carmel, IN, USA
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If you can totally destroy an iPhone 4 through and through and have it replaced for $50 plus the monthly fee, it's probably a decent gamble. I put a bumper on mine, and hopefully that will be all I have to pay. If I'm unlucky, I know I could have a couple hundred + expense.
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iMac Late '15 5K 27" 4.0 Quad i7 24/512GB SSD OWC ThunderDock 2 Blu-Ray ±RW MBP '14 Retina 15" 2.6 16/1TB iPhone 7+ 128 Jet Black iPad Pro 128 + Cellular
FOR SALE: MP '06 Yosemite 8x3.0 24/240GB SSD RAID 0, 240GB SSD, 1.5TB HDD RAID 0, 1TB HDD, Blu-Ray±RW, Radeon HD 5770
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Moderator
Join Date: Feb 2006
Location: on the verge of insanity
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I would recommend getting a personal articles policy. It is an all peril policy and much cheaper than specialty insurance like Safeco. I have a MBP, MB, and Canon DSLR covered for about $45 a year and there is no deductible.
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I like my water with hops, malt, hops, yeast, and hops.
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Mac Elite
Join Date: Oct 1999
Location: Carmel, IN, USA
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Rumor, what type of protection does that offer? Breakage and theft/loss?
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iMac Late '15 5K 27" 4.0 Quad i7 24/512GB SSD OWC ThunderDock 2 Blu-Ray ±RW MBP '14 Retina 15" 2.6 16/1TB iPhone 7+ 128 Jet Black iPad Pro 128 + Cellular
FOR SALE: MP '06 Yosemite 8x3.0 24/240GB SSD RAID 0, 240GB SSD, 1.5TB HDD RAID 0, 1TB HDD, Blu-Ray±RW, Radeon HD 5770
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Junior Member
Join Date: Dec 2004
Location: Indiana
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Nah. I'm careful enough that I don't worry about dropping it, etc. If something goes wrong with it, I'll take my chances with Apple.
$12 a month sounds like a lot to me, $5 would be more palatable.
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Moderator
Join Date: Jan 2001
Location: Atlanta, GA
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I got AppleCare for my iPhone 4 mainly b/c it's a 1st generation design and bound to have some bugs in the hardware. But insurance? Nah, I have better things to do with $300. I'm typically very careful of my electronics and haven't felt the need.
I am, however, loath to give my 3G to my wife. I've seen what she can do to a blackberry.
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Grizzled Veteran
Join Date: Jun 2006
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Originally Posted by Rumor
I would recommend getting a personal articles policy. It is an all peril policy and much cheaper than specialty insurance like Safeco. I have a MBP, MB, and Canon DSLR covered for about $45 a year and there is no deductible.
yes what does it cover?
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16 GB 2nd Generation Black iPod Touch w/Contour Showcase
White Core 2 Duo Macbook with: 2.0 GHz/1 GB Ram/80 GB Hard Drive
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Addicted to MacNN
Join Date: Feb 2001
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I think I heard that Apple will replace an iPhone for $200 regardless of what you did to it. Now obviously if it gets stolen your are screwed, but for anything else, it seems to make an insurance policy pretty worthless.
I'm of the opinion that 99 times out of 100 extended warranties and/or extra insurance is not worth it.
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Moderator
Join Date: Feb 2006
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Originally Posted by frankthetank966
yes what does it cover?
All peril including losing it.
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I like my water with hops, malt, hops, yeast, and hops.
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Addicted to MacNN
Join Date: Dec 1999
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Insure it yourself. Set $700 or $1000 of your savings aside as "refundable iP4 insurance". Keep checking the replacement cost in Craigslist and you can move a few $$$ off that account accordingly. When iP5 comes around, use such money plus the sale money of the iP4 to buy the new Jesus phone.
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Addicted to MacNN
Join Date: May 2001
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Whatever you do, do NOT add it as a rider on your homeowners policy.
I did that for a MBP of mine. When it was stolen I made a claim. After deductible they paid me about 50% (or less) of what my MBP was worth. Then, my rates were raise for (so they tell me) 38 months. The cost will be what I could have purchased 3 Macbook Pro's for. I would have been better off eating the loss.
I got robbed twice. The second time by the homeowners policy company. :-)
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Clinically Insane
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(
Last edited by subego; Mar 25, 2011 at 04:48 PM.
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