“I LOVE talking to my insurance company! When it comes to a claim, they are so efficient, helpful and quick!” said no one…ever!
The common issue of getting stuck on the line with an insurance company and never finding resolution is frustrating for even the most patient person. When it comes to insurance for your smartphone, most providers offer plans that will “protect your phone” and give you peace of mind. However, see if the testimonial below hits home with you or someone else you know:
” I decided that given our rather clumsy tendencies, it would be best to purchase the seemingly inexpensive insurance for $10 per phone, per month, for both my new iPhone 5S and my wife’s new iPhone 5C. I was told that it would cover everything the warranty doesn’t, including accidental and water damage. About a year later ($240 of insurance payments on our phones) I dropped my iPhone 5S but assumed that it would be a quick process to have it replaced. I called my carrier, and they told me who my insurance was through and gave me the number to contact. I called and essentially found out that while I was covered, I had a $150 deductible because my iPhone 5S was one of the “more expensive” to replace. At that point I realized that we had dropped $240 between our two phones on insurance, and now would need to pay an additional $150 to replace my phone. Not to mention the 3-5 days I would be with out my iPhone. I canceled the service.
It was an expensive lesson. However, I have definitely learned that there are better alternatives to traditional cell phone insurance from your carrier. ”
– Robert T.
The reality of Robert’s story is all too common! Most smartphone repairs can be dealt with for under $200. In fact, at Oops Repair, we can fix most iPhones for less than $100. We offer a 1-hour turn-around time and a 6-month warranty on the repair.
Take the $10 a month and put it aside for your next phone instead:
Setting aside the $10 you would be paying for insurance can be a smart way to subsidize paying for the repairs yourself, instead of leaning on the frustrations of a cell phone insurance company. If you end up keeping your phone in good working order at the end of your contract, you can easily roll the money you’ve set aside into the purchase of a new phone! This option may seem risky but we can very confidently say that paying out $10 a month for 24 months ($240, per phone) and then possibly having to deal with a deductible (upwards of $100-$150), is riskier.
In the end, there are endless ways to spend money on your phone, and cell phone insurance can be a pricy and non-rewarding option. I keep my iPhone in a case, away from my child, and hope for the best. If something does happen, I have $10 a month saved to pay for the repair!