Comments on: Cell Phones and Self-Insurance

By: Phone Banana » Blog Archive » » Insurrance & Cell Phones

Phone Banana » Blog Archive » » Insurrance & Cell Phones — Sat, 26 Jul 2008 18:38:11 +0000

[...] Cell Phone Insurance vs. Self-Insurance for Cell Phones Some Related Posts: Will Replacing An Uninsured Cell Phone Cost a Lot?Do You Need a Credit History to Get a Cell Phone?Insurance follow up Your Library Card Contract and other things you don t think of… [...]

By: Will Replace An Uninsured Cell Phone Cost a Lot?

Will Replace An Uninsured Cell Phone Cost a Lot? — Thu, 15 May 2008 15:01:35 +0000

[...] someone searched for that and found my post on cell phone insurance and self-insuring. However, I don’t think I answered that question fully in that post. Yes, it talked about [...]

By: Becca

Becca — Tue, 11 Mar 2008 03:07:21 +0000

To be honest, Green Line has been hit or miss for me as far as Verizon service goes. I don’t know if it is just my tower updates or what, but I have to desperately hope I get service at a stop in order to send text messages. I wouldn’t count on it in terms of picking a contract.

By: kay

kay — Mon, 10 Mar 2008 21:02:49 +0000

I think it’s only useful for very expensive and luxury cellphones.

By: Jeff

Jeff — Mon, 10 Mar 2008 15:35:18 +0000

I too have elected insurance for our two phones, mainly because they are our only phones (no land lines). Plus with sprint if you don’t have insurance and something, even warranty wise, happens to the phone they won’t replace it and you have to fight with the original equipment manufacturer. For the piece of mind it is worth the extra 7.00 per month.

By: dreamy1

dreamy1 — Mon, 10 Mar 2008 15:14:11 +0000

I got insurance on my phone, mainly because I have a smart phone. I dropped it from about waist high one day during a breast cancer walk. The screen broke, and it basically rendered the phone useless. Thank goodness it was JUST under the 30 day return period so they just exchanged the phone for me. Now I have the insurance and an extra phone to put my SIM into in the event I need to use the insurance to replace my phone.

By: Sistah Ant

Sistah Ant — Mon, 10 Mar 2008 03:14:27 +0000

I used to have insurance until I realized it was a waste of money and the deductibles are too high.

I now self-insure by keeping a spare phone that I can put my SIM card into if my primary phone conks out.

By: Kathy@brazoscowgirl

Kathy@brazoscowgirl — Mon, 10 Mar 2008 02:40:24 +0000

Okay here is what we do, which is odd because of the way my family is. We have two teenagers(IMHO must have insurance), so we have the insurance on them. I did have no insurance on the oldest, but we had to find a phone in a hurry he was going on week long trip. Ebay was not a go then. Middle has not had a phone is terrible on his shoes, so far he has not lost it though. Hubby is awful on his phone, his boots you name it Now you know where W got it. Hubby doesn’t want to wait one minute without a phone, so he has insurance. Our plan is a 5 person plan. My mom has no insurance, she is a responsible user thankfully. I don’t have insurance I bought my last replacement on ebay. So you have to figure out what is going to be cheapest in the long run. Ebay doesn’t have the best phone cheap unless they just released the Iphone.

We are on Verizon for one reason, it works on the farm which is where we really need to call someone up in the field. We have tried other companies but no one has that much coverage.

By: Kim

Kim — Mon, 10 Mar 2008 01:32:13 +0000

I do not insure my phones but I’ve had a lot of luck with the ones I’ve had over the past 17 years (eeck…telling my age there – the first one was in a huge bag lol). I’ve only had one break and luckily it was 2 days before I could get another one for free.

You can buy used phones on Ebay. There will be serial numbers on them, you just need to check with the carrier that the phone was not one that was associated with a delinquent account. Sometimes they’ll make you pay the activation fee on the used phone, sometimes not, it just depends. Sprint has never charged us (my Dad breaks his phones a lot) but I have friends with Cingular who has been charged.

We also as a family choose the same phone. That way we have 6 of the same one, if a phone breaks we can use the battery in the next one (and keep the extra chargers).

By: Jay

Jay — Sun, 09 Mar 2008 22:27:21 +0000

My #1 daughter had her phone stolen twice while insured. After the second time, we were dropped from that insurer and had to go with a more expensive option. Given her penchant for leaving her phone different places, we’ve continued to insure. Daughter #2, uninsured, drowned two phones (don’t ask), but she found a cheap online replacement for the second one since the money was coming out of her pocket!
Guess the choice to insure is equivocal at best.