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Is Cell Phone Insurance Worth It?

#1 User is offline   pink_berry 

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Posted 16 November 2008 - 06:07 PM

I was wondering if cell phone insurance is worth it? You have to pay like 6 dollars every month. This issue has happened in the past. About last year, I got my Sidekick LX stolen and since I didn't have insurance I couldn't get another one. Now that my contract has expired I finally get a new phone ^-^ Yay! Lol And so I'm confused on whether or not I should pay the 6 dollars a month for insurance...
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#2 User is offline   abusegirl 

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Posted 16 November 2008 - 08:02 PM

unless you are in the habit of losing or accidentally destroying your phone....it's not.
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#3 User is offline   jbigdog123 

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Posted 16 November 2008 - 08:15 PM

QUOTE (pink_berry @ Nov 16 2008, 08:07 PM) <{POST_SNAPBACK}>
I was wondering if cell phone insurance is worth it? You have to pay like 6 dollars every month. This issue has happened in the past. About last year, I got my Sidekick LX stolen and since I didn't have insurance I couldn't get another one. Now that my contract has expired I finally get a new phone ^-^ Yay! Lol And so I'm confused on whether or not I should pay the 6 dollars a month for insurance...

The amount covered by insurance are different, depending on the carrier.

Having said that, I had insurance on my cellphone with T-Mobile and I had to go through lot of red tape and nearly an hour on the phone with the insurance company, only to find out that they only covered $75.00. So, basically, they only are paying $15 because I've been pay $6 for 10 months. I wasn't happy because I was under the impression that they covered entire cost of my cellphone, I guess I didn't read the fine print. rolleyes.gif

I can't tell you not to get it but from my own experience, I won't get another cellphone insurance.
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#4 User is offline   pink_berry 

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Posted 16 November 2008 - 08:22 PM

QUOTE (jbigdog123 @ Nov 16 2008, 11:15 PM) <{POST_SNAPBACK}>
The amount covered by insurance are different, depending on the carrier.

Having said that, I had insurance on my cellphone with T-Mobile and I had to go through lot of red tape and nearly an hour on the phone with the insurance company, only to find out that they only covered $75.00. So, basically, they only are paying $15 because I've been pay $6 for 10 months. I wasn't happy because I was under the impression that they covered entire cost of my cellphone, I guess I didn't read the fine print. rolleyes.gif

I can't tell you not to get it but from my own experience, I won't get another cellphone insurance.


I have T-Mobile too... So I guess it's not worth it? Ok thanks for your help ^-^
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#5 User is offline   eliman 

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Posted 18 November 2008 - 12:27 AM

haha yeah not really worth it! only know 1 person who had it and turned out good for him cos he got a new and better phone replaced when he lost his old one!!
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#6 User is offline   PrincessBoa 

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Posted 18 November 2008 - 04:01 PM

I have a tendency to lose/ kill my phone.. so I do get insurance for it, and it does cover the whole entire cost for me. smile.gif I lost my LG Rumor, so Bell covered the whole cost and gave me a new one. Not sure about my new one though.. xD But I plan to take really good care of it.

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#7 User is offline   SweetsnHoney 

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Posted 18 November 2008 - 10:23 PM

Does insurance cover batteries?
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#8 User is offline   SUMM3RxBABii 

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Posted 13 December 2008 - 10:18 PM

depends on what kind of phone you have. if it's an LX, def. get insurance. i got both of my sidekick LXs stolen and i had insurance on both. it's much better. you don't want to be paying $3xx, right? if it's a nice phone, def. get insurance on it. if it's a crappy phone, then no.
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#9 User is offline   c0lap1nada 

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Posted 13 December 2008 - 10:21 PM

If it's a nice phone, then I guess.. But if you like to switch phones every couple months or every year, then no. =/
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#10 User is offline   EscR4Fantasy 

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Posted 15 December 2008 - 07:26 PM

unless your fhone is pretty expensive. if not then i dont think you should
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