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Verizon customers beware #4637841
01/17/18 04:27 PM
01/17/18 04:27 PM
Joined: Oct 2006
Posts: 8,135
OH
grampi Offline OP
grampi  Offline OP
Joined: Oct 2006
Posts: 8,135
OH
A couple of months ago I signed up for insurance on all 4 of the phones on my account. I was on a chat with a VW rep and was told my premium would be $33 a month for all 4 phones, and the most my deductible would be for replacing a phone would be $45. Fast forward to this past week. I get a notice in the mail from Asurion (the company that provides the insurance) that states beginning in March, the deductibles for the iphone 6 plus I have on my account (I have 2 of them) would be going DOWN to $149, and the deductible on the other two phones on my account would be going DOWN to $89. I'm thinking, what do they mean going DOWN? Both of those deductibles are a lot more than what I was told by the rep before I decided to take the coverage. So I get on another chat with VW and explain to them that I was told before I took the insurance that my deductible would not be more than $45 for any device on my account. They said my deductible was never that low, so the person lied to me to get me to take the insurance. They offered me a few things that were really nothing more than trinkets, and I told them I was going to drop the coverage if they didn't give me what I was told I would get. They agreed and said my coverage would now include deductibles no higher than $45. I told them I wanted it in writing, and they are mailing me the document. I also got a case number from them in case I needed to contact them for any further problems with this coverage in the future....moral of the story, make sure you get exactly what they tell you you're supposed to get. Don't assume like I did...

Re: Verizon customers beware [Re: grampi] #4637854
01/17/18 04:41 PM
01/17/18 04:41 PM
Joined: Aug 2017
Posts: 594
MN
14Accent Offline
14Accent  Offline
Joined: Aug 2017
Posts: 594
MN
Or just don't bother with insurance at all. It's a scam and has always been a scam.


2013 Chevrolet Volt - Saves enough in fuel to pay for itself!

2003 Cadillac Seville STS - The winter "beater", it uses the Volt's fuel
Re: Verizon customers beware [Re: grampi] #4637858
01/17/18 04:43 PM
01/17/18 04:43 PM
Joined: Mar 2008
Posts: 5,873
South Florida
bubbatime Offline
bubbatime  Offline
Joined: Mar 2008
Posts: 5,873
South Florida
Only $396 a year, plus a $89 or $145 deductible. What. A Scam.

Who falls for this stuff?

Take that $500 a year, put it into an account, and SELF insure yourself. Are you going to burn through over $500 a year to replace broken phones?


I self insure. Amazingly, I haven't had to buy a new phone (other than normal upgrades), in 15 plus years.


17 Chrysler Pacifica Mobil 1 5W30
13 Yamaha XT250 Valv MC 10W40
12 Suzuki S40 Rotella 15W40
10 Acura TSX 2.4 PZL Plat 5W30
06 GMC Sierra Nextgen 10W30


Re: Verizon customers beware [Re: grampi] #4637866
01/17/18 04:54 PM
01/17/18 04:54 PM
Joined: Jun 2014
Posts: 2,548
Phoenix, Arizona - USA
SirTanon Offline
SirTanon  Offline
Joined: Jun 2014
Posts: 2,548
Phoenix, Arizona - USA
Skip the phone insurance. Just put $10-15 per month into an interest-bearing savings account at your local credit union. After a couple years, you'll have a couple hundred saved up if your phone experiences a catastrophe. If it doesn't then when you're ready for a new phone, you'll have some money saved up towards it.

...in the meantime, you'll have a well-established account with the credit union that will help if you need a low-interest loan for a car, or some other expense. Win-win


2010 Ford Fusion SE - 2.5 liter/6F35 Trans - 263,000mi
2014 Nissan Altima SL - 2.5 liter/CVT - 58,000mi
Re: Verizon customers beware [Re: grampi] #4637868
01/17/18 05:00 PM
01/17/18 05:00 PM
Joined: Nov 2008
Posts: 9,107
Phoenix
dishdude Offline
dishdude  Offline
Joined: Nov 2008
Posts: 9,107
Phoenix
So many great Android phones you can buy outright for under $200. If you drop or lose it...not a big loss. Can't imagine spending $1,000 for an iPhone X and paying insurance on it every month. crzy


2018 Challenger SRT
Re: Verizon customers beware [Re: grampi] #4637876
01/17/18 05:12 PM
01/17/18 05:12 PM
Joined: Mar 2009
Posts: 90
PA
dtownfb Offline
dtownfb  Offline
Joined: Mar 2009
Posts: 90
PA
Buy a good case to protect the phone from drops. Isn't there a one year warranty for software related problems?


2006 Toyota Camry
2013 Toyota Sienna
2015 Toyota Camry
Re: Verizon customers beware [Re: grampi] #4637887
01/17/18 05:22 PM
01/17/18 05:22 PM
Joined: Aug 2011
Posts: 2,046
Lakeside, CA
Blkstanger Offline
Blkstanger  Offline
Joined: Aug 2011
Posts: 2,046
Lakeside, CA
I have a Samsung J320V through Verizon. I think I paid $170 or so for it. It's a great phone. I even have my work email on it among a ton of other stuff.
Office apps ect. Never even thought of buying insurance on it. I back up to the cloud and all my data is saved. If this phone dropped off the face of the earth I'd just stop in and pick up another.


99 Jeep WJ 4.7 190,000 Maxlife 10w30, Fram Ultra.
Re: Verizon customers beware [Re: grampi] #4637906
01/17/18 05:41 PM
01/17/18 05:41 PM
Joined: Sep 2002
Posts: 4,117
Lakeville, MN
MNgopher Offline
MNgopher  Offline
Joined: Sep 2002
Posts: 4,117
Lakeville, MN
I'd just be mad if I figured out I was spending $400 a year on "insurance". I've owned a cell phone for years, smart phones for the last 6 years or so, and never needed "insurance" on one of them. If one failed, I'd deal with it and buy another with the money I haven't spent on insurance.

We really need insurance on stuff that is $1000 or less new?

Re: Verizon customers beware [Re: dishdude] #4637914
01/17/18 05:51 PM
01/17/18 05:51 PM
Joined: Sep 2004
Posts: 21,726
Orlando, FL
Mr Nice Offline
Mr Nice  Offline
Joined: Sep 2004
Posts: 21,726
Orlando, FL
Originally Posted By: dishdude
So many great Android phones you can buy outright for under $200. If you drop or lose it...not a big loss. Can't imagine spending $1,000 for an iPhone X and paying insurance on it every month. crzy


Yep. + 10000000000

My work iPhone isn't worth what some idiot zombies will pay for it.
My personal phone is a $100 Android.

Re: Verizon customers beware [Re: grampi] #4637922
01/17/18 06:01 PM
01/17/18 06:01 PM
Joined: Dec 2002
Posts: 844
Stillwater, MN
road_rascal Offline
road_rascal  Offline
Joined: Dec 2002
Posts: 844
Stillwater, MN
I paid under $280 for a new (left over stock) Galaxy S7 Active. Got a new S7 (regular model) for my wife for Christmas to upgrade her six year old S4. We don't always need the latest and greatest gadget.


2012 Toyota Rav4 V6 4WD (68,000 mi)
2018 Chevy Equinox 1.5T (4800mi)
Re: Verizon customers beware [Re: grampi] #4637937
01/17/18 06:09 PM
01/17/18 06:09 PM
Joined: Apr 2012
Posts: 5,262
MA
Wolf359 Offline
Wolf359  Offline
Joined: Apr 2012
Posts: 5,262
MA
You do realize that the reverse scam on this insurance is that you can buy it at any time and then make a claim afterwards and then cancel it once you get a replacement.

Just saying...

Re: Verizon customers beware [Re: road_rascal] #4637949
01/17/18 06:19 PM
01/17/18 06:19 PM
Joined: Apr 2012
Posts: 5,262
MA
Wolf359 Offline
Wolf359  Offline
Joined: Apr 2012
Posts: 5,262
MA
Originally Posted By: road_rascal
I paid under $280 for a new (left over stock) Galaxy S7 Active. Got a new S7 (regular model) for my wife for Christmas to upgrade her six year old S4. We don't always need the latest and greatest gadget.


Samsung was having some pretty good discounts in November. I picked up a regular Samsung S8 for $370. Best Buy was offering a $350 discount off the $720 list price. Other carriers were also doing deals like buy one get one, but then you'd have two phones and I only needed one.

Re: Verizon customers beware [Re: Wolf359] #4637964
01/17/18 06:29 PM
01/17/18 06:29 PM
Joined: Aug 2010
Posts: 5,734
Champlain/Hudson Valley
Kira Offline
Kira  Offline
Joined: Aug 2010
Posts: 5,734
Champlain/Hudson Valley
In my experience the communications companies have hired all the well spoken salespeople.

Now, go over to the cable/dish TV people and you get to hear Mafia trainees.

Re: Verizon customers beware [Re: grampi] #4637969
01/17/18 06:32 PM
01/17/18 06:32 PM
Joined: Dec 2013
Posts: 2,098
socal
barkingspider Offline
barkingspider  Offline
Joined: Dec 2013
Posts: 2,098
socal
I would pass on the insurance too. Not worth it


06 Cadillac Escalade Ext
17 Cadillac ATS (wife)
05 Toyota Camry (daughter)
11 GMC Canyon off-road (daily)
Re: Verizon customers beware [Re: grampi] #4638003
01/17/18 06:55 PM
01/17/18 06:55 PM
Joined: Aug 2017
Posts: 594
MN
14Accent Offline
14Accent  Offline
Joined: Aug 2017
Posts: 594
MN
Not to mention they won't even replace your phone with an equal. My ex broke her white iPhone, they sent her a black one. Said they "can't guarantee the same color". Wait... I guarantee to pay you every month and you can't even figure out the difference between black and white? I was livid.

So livid I was hung up on and politely asked to leave the Verizon store. Ha.


2013 Chevrolet Volt - Saves enough in fuel to pay for itself!

2003 Cadillac Seville STS - The winter "beater", it uses the Volt's fuel
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