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iPhone Insurance?
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Grizzled Veteran
Join Date: Apr 2000
Location: New York City
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Anyone have any info on whether ATT will be selling phone insurance for the iPhone? If not, are there other ways to insure such a device? Hate to tack it onto home owners insurance, as making claims on that can really hurt you in the long run. Safeware claims to offer smartphone insurance- might not be a bad way to go, as people seem to have had good experiences with them with laptops.
Anyone have any thoughts? $599 is a pricey meatball...
L
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iPhone 3G 16Gb
24" 2.8Ghz Core 2 Duo iMac, 4GB/320GB/256MB
12" AlBook 1Ghz/768Mb/80Gb/Combo/AX
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Moderator
Join Date: Feb 2006
Location: on the verge of insanity
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I wouldn't go with the insurance from the carrier. Check a real insurance company for a Personal Articles Policy. The rates are cheap, no deductible and all peril coverage.
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I like my water with hops, malt, hops, yeast, and hops.
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Posting Junkie
Join Date: May 2001
Location: Portland, OR
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ATT supposedly will not be selling insurance for the iPhone. I have a friend who talked to Safeware, and they will not insure it yet either.
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8 Core 2.8 ghz Mac Pro/GF8800/2 23" Cinema Displays, 3.06 ghz Macbook Pro
Once you wanted revolution, now you're the institution, how's it feel to be the man?
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Forum Regular
Join Date: Jun 2004
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I'll probably just add it to my renters insurance, like my laptop.
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Grizzled Veteran
Join Date: Apr 2000
Location: New York City
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Moving to NYC this week - planning on getting renters insurance - does yours have a deductible for electronics? PM me with specifics pls
L
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iPhone 3G 16Gb
24" 2.8Ghz Core 2 Duo iMac, 4GB/320GB/256MB
12" AlBook 1Ghz/768Mb/80Gb/Combo/AX
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Forum Regular
Join Date: Mar 2003
Location: San Antonio
Status:
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in MOST cases, phones with operating systems cannot be added to policies. check with your insurer before you just assume that this can be done.
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Registered User
Join Date: Sep 2003
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The activation video showed that upon activation your one year limited warranty begins. I wonder what that includes.
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Mac Elite
Join Date: Jul 2000
Location: Washington, DC
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Originally Posted by Stingrey
in MOST cases, phones with operating systems cannot be added to policies. check with your insurer before you just assume that this can be done.
Don't all phones have operating systems?
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Forum Regular
Join Date: Mar 2003
Location: San Antonio
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No. A Treo 700p for example runs a version of Palm's OS. A Sanyo Katana, as another example, does not have an operating system. The point is to check with your insurance provider because in many cases, the iPhone will NOT be covered under a Personal Articles or Valuable Personal Property policy. You probably want to be sure that you can cover it with your insurer before you get this if you are even thinking of insurance for this phone.
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Fresh-Faced Recruit
Join Date: Jul 2007
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You can get insurance for devices like this from third party insurers. One such company is called MobileProTech. I had a Cingular 8125, which Cingular would not insure (go figure). I was able to insure it with these guys. It is pretty pricey, so I would try to tack an iPhone onto your homeowner's or renters insurance if you have it. I don't have either of these, and I just got an iPhone this week, so I don't know what I'm going to do just yet. Does Apple offer any time of AppleCare plan for the iPhone?
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Fresh-Faced Recruit
Join Date: Oct 2007
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i never get insurence for stuff but the iphone is a complex device maybe its a good idea.
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Fresh-Faced Recruit
Join Date: May 2008
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Hey Folks,
Looks like there is a insurance company that is finally offering accident coverage specifically for the iphone. Even if you have already had it for a while. I got coverage for both my 4gb iphone and my 30 gb video ipod.
Check it out: iCover
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Mac Elite
Join Date: Sep 2006
Location: Back in the Good Ole US of A
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Originally Posted by neotheone
Hey Folks,
Looks like there is a insurance company that is finally offering accident coverage specifically for the iphone. Even if you have already had it for a while. I got coverage for both my 4gb iphone and my 30 gb video ipod.
Check it out: iCover
Ack!!! What an awful website. That's gonna scare away many potential customers.
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Fresh-Faced Recruit
Join Date: May 2008
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Ok the site doesn't look all that great, but they are not in business to build cool looking websites. As long as iCover can provide accident coverage my iPhone for $8.99 per month I'm happy. iCover is offering people what they want, iPhone insurance for a low cost.
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Mac Elite
Join Date: Oct 1999
Location: Manchester, UK
Status:
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Originally Posted by Lava Lamp Freak
The activation video showed that upon activation your one year limited warranty begins. I wonder what that includes.
Warranty is NOT Insurance.
Warranty only provides cover for manufacturing faults or faults that are the responcibility of the supplier. Warranty does not cover - Loss, Theft, Damage, etc.
Insurance covers Loss, Theft, Damage, etc.
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Computers - Au MacBook 2.4Ghz, iMac 24" 2.8Ghz Core 2 Duo
iPods - 5GB original iPod, 4GB nano - Red, 1GB 2G shuffle - Silver, 4GB 3G Shuffle - Black, 16GB touch, 16GB nano Red, 16GB iPhone 3G.
OSX User Since Public Beta, current OS 10.6.1, iTS UK purchases - 5377 songs.... and growing!
My website - www.idparkinson.co.uk
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Mac Elite
Join Date: Oct 1999
Location: Manchester, UK
Status:
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Originally Posted by amyjones09
i never get insurence for stuff but the iphone is a complex device maybe its a good idea.
Insurance has nothing to do with the complexity of the device!
Insurance provides cover against Loss, Theft, Damage, etc.
Warranty provides cover for the device being faulty, they are VERY different things.
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Computers - Au MacBook 2.4Ghz, iMac 24" 2.8Ghz Core 2 Duo
iPods - 5GB original iPod, 4GB nano - Red, 1GB 2G shuffle - Silver, 4GB 3G Shuffle - Black, 16GB touch, 16GB nano Red, 16GB iPhone 3G.
OSX User Since Public Beta, current OS 10.6.1, iTS UK purchases - 5377 songs.... and growing!
My website - www.idparkinson.co.uk
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Mac Elite
Join Date: Oct 1999
Location: Manchester, UK
Status:
Offline
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Computers - Au MacBook 2.4Ghz, iMac 24" 2.8Ghz Core 2 Duo
iPods - 5GB original iPod, 4GB nano - Red, 1GB 2G shuffle - Silver, 4GB 3G Shuffle - Black, 16GB touch, 16GB nano Red, 16GB iPhone 3G.
OSX User Since Public Beta, current OS 10.6.1, iTS UK purchases - 5377 songs.... and growing!
My website - www.idparkinson.co.uk
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Grizzled Veteran
Join Date: Aug 2002
Location: Cardboard Box
Status:
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Originally Posted by neotheone
Hey Folks,
Check it out: iCover
Eh. They need some help with their grammar too.
Originally Posted by icover
iCover wants to assure...
The term should be "ensure". If you're going to try and be a professional website at least proofread. That being said, I've caught similar mistakes on my own site.
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Mac Elite
Join Date: Aug 2007
Status:
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Originally Posted by techman76
I found a company that I just insured my 3G iPhone, my iPod touch and my wifes BlackBerry through. The service was absolutely top-notch!! www.nospam.net is the address. I heard it on the radio in Michigan and I emailed them at [email protected] and they answered me back in less then 8 minutes! 8 MINUTES! I have never seen anything like this site! Pass the word, someone really care and we know its not At&t or Apple. Get your stuff covered!!
Ok, one reply was enough.
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Last edited by Cold Warrior; Dec 30, 2008 at 01:28 AM.
Reason: removed spam links)
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MacBook Pro 13" 2.8GHz Core i7/8GB RAM/750GB Hard Drive - Mac OS X 10.7.3
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Mac Elite
Join Date: Jul 2000
Location: Washington, DC
Status:
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And I don't think the forum private message was necessary either. Thanks.
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Mac Elite
Join Date: Oct 1999
Location: Manchester, UK
Status:
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Originally Posted by krove
And I don't think the forum private message was necessary either. Thanks.
I agree, he seems to be spamming this thread and users who have been here.
When asked to not send SPAM to me, I got a personal insult in reply.
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Computers - Au MacBook 2.4Ghz, iMac 24" 2.8Ghz Core 2 Duo
iPods - 5GB original iPod, 4GB nano - Red, 1GB 2G shuffle - Silver, 4GB 3G Shuffle - Black, 16GB touch, 16GB nano Red, 16GB iPhone 3G.
OSX User Since Public Beta, current OS 10.6.1, iTS UK purchases - 5377 songs.... and growing!
My website - www.idparkinson.co.uk
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Mac Elite
Join Date: Aug 2007
Status:
Offline
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Originally Posted by techman76
I found a company that I just insured my 3G iPhone, my iPod touch and my wifes BlackBerry through. The service was absolutely top-notch!! www.nospam.net is the address. I heard it on the radio in Michigan and I emailed them at [email protected] and they answered me back in less then 8 minutes! 8 MINUTES! I have never seen anything like this site! Pass the word, someone really cares and we know its not At&t or Apple. Get your stuff covered!! Great people to work with and the website was the real deal!!
Ugh, quit spamming your site!
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Last edited by Cold Warrior; Dec 30, 2008 at 01:29 AM.
Reason: removed spam links)
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MacBook Pro 13" 2.8GHz Core i7/8GB RAM/750GB Hard Drive - Mac OS X 10.7.3
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Forum Regular
Join Date: Dec 2002
Location: NYC, NY
Status:
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13" Aluminum Macbook
16gig iPhone 4
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Posting Junkie
Join Date: Aug 2003
Location: midwest
Status:
Offline
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I looked at iCover and there's a $100 deductable for the iPhone on top of a 2-yr service agreement you will have paid $220.00 to have a claim addressed. Not really a "catastrophic loss" policy IMO considering I paid $200 for the phone itself.
I guess I'm hoping I don't drop the thing into the toilet.
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ebuddy
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Admin Emeritus
Join Date: Oct 1999
Location: Zurich, Switzerland
Status:
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iCover looks shady to me. If it were economical to insure (not "ensure" or "assure", hehe!) an iPhone for $5/mo, ATT and Apple would do it. (Note that iCover doesn't insure against loss or theft, only accidental damage.)
For one thing, they're likely not an insurance company at all, given that they carefully avoid calling their service anything but a "warranty".
Second, look at this clause from the T&C:
5. FAILURE TO REPAIR REFUND. Not often but sometimes, iCover may not be able to repair your iProduct. For 1 year Warranty programs, we will refund you 75% of your full service Warranty premium, unless you have submitted a claim for repairs which were made in the previous 12 month period, in which case you will receive a refund equal to 50% of your service Warranty premium. For 2 year Warranty programs, we will refund you 50% of the premium which you paid in the prior 12 month period.
So... at their discretion, they can just say "nope, we won't cover this" and then give you $30 to walk away. No fixed iPhone, just $30. It seems to me waaaaay too easy for this loophole to be used for every claim. "Oh, water damage. Not economical to fix. Here's your $30, thanks and buh-bye!"
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Clinically Insane
Join Date: Jun 2001
Location: planning a comeback !
Status:
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Originally Posted by tooki
Second, look at this clause from the T&C:
So... at their discretion, they can just say "nope, we won't cover this" and then give you $30 to walk away. No fixed iPhone, just $30. It seems to me waaaaay too easy for this loophole to be used for every claim. "Oh, water damage. Not economical to fix. Here's your $30, thanks and buh-bye!"
Yeah, that's some bullshi!t.
You can't even call this insurance. It's more a "replacement lottery".
-t
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Admin Emeritus
Join Date: Oct 1999
Location: Zurich, Switzerland
Status:
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Heh, "replacement lottery". Love it!
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Mac Elite
Join Date: Nov 2006
Location: here
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Usually extended warranties cost more than they are worth.
Except for a laptop I wouldn't do it.
For a phone?
When are you planning to lose your phone?
Or is it a habit that's hard to break?
Otherwise, a wireless phone has only a certain life span, and you're better off to put your insurance money towards the next and more modern generation.
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Clinically Insane
Join Date: Oct 2000
Location: Los Angeles
Status:
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Some people don't have good luck with cell phones, and they are expensive to replace.
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"The natural progress of things is for liberty to yield and government to gain ground." TJ
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Fresh-Faced Recruit
Join Date: Dec 2008
Status:
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Originally Posted by Stingrey
No. A Treo 700p for example runs a version of Palm's OS. A Sanyo Katana, as another example, does not have an operating system. The point is to check with your insurance provider because in many cases, the iPhone will NOT be covered under a Personal Articles or Valuable Personal Property policy. You probably want to be sure that you can cover it with your insurer before you get this if you are even thinking of insurance for this phone.
Funny. You say some phone do not have an operating system, such as Sprint which runs Palm O/S. Did you know that O/S means "operating system." ALL phones have an operating system. They may not all be smartphones, but they need software to run, and that is the O/S. Nokia runs Symbian.
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Moderator
Join Date: Feb 2006
Location: on the verge of insanity
Status:
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Through State Farm, I have my MBP ($2800), Macbook ($1100), iPhone ($600), and iPhone 3G ($600). No deductible, all peril coverage (theft, accidental damage, mysterious disappearance, etc).
Cost: $51 a year
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I like my water with hops, malt, hops, yeast, and hops.
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Clinically Insane
Join Date: Jun 2001
Location: planning a comeback !
Status:
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Originally Posted by Rumor
Through State Farm, I have my MBP ($2800), Macbook ($1100), iPhone ($600), and iPhone 3G ($600). No deductible, all peril coverage (theft, accidental damage, mysterious disappearance, etc).
Cost: $51 a year
Cool. What's the name of that insurance product ?
-t
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Moderator
Join Date: Feb 2006
Location: on the verge of insanity
Status:
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Personal Articles Policy or Personal Articles Floater. Each state varies slightly. Some it can be a stand alone policy (CA), others may require you have a fire policy as well.
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I like my water with hops, malt, hops, yeast, and hops.
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Mac Elite
Join Date: Oct 2000
Location: Memphis, Tn. USA
Status:
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Originally Posted by turtle777
Cool. What's the name of that insurance product ?
-t
Same here 2 iphones for $34.
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