TheConcertKing
Member
I know there's some threads around, but none of them are exactly what I'm looking for. I'm switching to the EVO V soon and I was wondering whether or not I should get an insurance plan for it. I've had the VM insurance for $5/mon. since I got it in October, but I was just reading the fine print and they basically don't anything that happens to the phone. Here's a few excerpts from the insurance info: http://www.virginmobileusa.com/resources/ASVI-099-NY-EN-SP_final2_3_2011.PDF
"b. Cosmetic Damage
We will not repair or replace any cosmetic damage,
however caused, that does not affect the manufacturer’s
intended use. This includes, but is not limited to:
1. Cracking, marring, scratching or warping;
2. Change in color or other change in the exterior finish."
Exclusions:
"d. Wear, Deterioration, Latent Defect
1. Wear and tear, deterioration; or
2. Hidden or latent defect, including equipment design
defect, or any quality in the property that causes it to
damage or destroy itself."
It also says that they can replace your device with refurbished parts/devices.
And then there is the warranty available from Square Trade that is $70 for 1 year of coverage including accidental damage, with a deductible of $99. But even that says this in the fine print:
"We do not cover loss, theft, willful damage or damage occurring through gross misuse."
I guess all warranties say things like that, but it worries me a little to pay that much for insurance that I probably won't need just to think that they could weasel their way out of it. Then there's the Best Buy coverage that doesn't cover accidental damage.
I don't know if I should get any of them. I'm pretty careful with my phones. The only one I've ever broken in my whole life was a $6 At&t prepaid phone that I dropped in a sink full of water at work, but that was me just being extremely careless and stupid, something that doesn't happen with any of my electronics anymore.
This is getting long-winded. Anyway, I'm just wondering if anyone has any thoughts/experiences with phone insurance/warranties that they can share.
Edit: I should also point out that I've already purchased a sturdy, dual-layer case for the Evo that should protect it on the rare occasion I drop it.
"b. Cosmetic Damage
We will not repair or replace any cosmetic damage,
however caused, that does not affect the manufacturer’s
intended use. This includes, but is not limited to:
1. Cracking, marring, scratching or warping;
2. Change in color or other change in the exterior finish."
Exclusions:
"d. Wear, Deterioration, Latent Defect
1. Wear and tear, deterioration; or
2. Hidden or latent defect, including equipment design
defect, or any quality in the property that causes it to
damage or destroy itself."
It also says that they can replace your device with refurbished parts/devices.
And then there is the warranty available from Square Trade that is $70 for 1 year of coverage including accidental damage, with a deductible of $99. But even that says this in the fine print:
"We do not cover loss, theft, willful damage or damage occurring through gross misuse."
I guess all warranties say things like that, but it worries me a little to pay that much for insurance that I probably won't need just to think that they could weasel their way out of it. Then there's the Best Buy coverage that doesn't cover accidental damage.
I don't know if I should get any of them. I'm pretty careful with my phones. The only one I've ever broken in my whole life was a $6 At&t prepaid phone that I dropped in a sink full of water at work, but that was me just being extremely careless and stupid, something that doesn't happen with any of my electronics anymore.
This is getting long-winded. Anyway, I'm just wondering if anyone has any thoughts/experiences with phone insurance/warranties that they can share.
Edit: I should also point out that I've already purchased a sturdy, dual-layer case for the Evo that should protect it on the rare occasion I drop it.