Device protection

yaquelynrodriguez

    Hello ,

    I have been paying for insurance for 3 years now. Currently owning a now mechanically and physically damaged phone. When I first contacted customer service I just had the battery issue, but it's now damaged. And T-Mobile is charging me full retail price regardless of insurance. What can I do ?

    My insurance only replaces my phone with the same model but the 5S is discontinued , but because the 6S is the next closest to retail price I FIRST GOT THE 5s I still have to pay $500. What can I do?

      All replies

      • smplyunprdctble

        Re: Device protection

        This is one of the reasons I despise phone insurance.

        Because devices get discontinued, you're paying for protection they can't provide after a couple years.  And, in most cases, the deductibles are the same price as a used device from a third party (not that I recommend used devices from a third party because they can get blocked).

         

        Do math.  T-Mobile's insurance is $10/mo.  After 3 years, you've paid $360.  If you had put this money in a separate account, that's a nice down payment on a new phone.  Or, if you have the device for six months and the screen shatters, you've paid $60 + $175 deductible for a refurbished device when you could have saved $60 in a separate account and put in $40 of your own money (with the saved $60) to pay for a $100 screen replacement at a repair shop.  (My bank lets me open as many differently-named savings accounts as I want [I don't know if it's unlimited -- but, I have at least 5, I believe].  I have automatic transfers in to them for things like "phone insurance / new phone fund" and "vet bills and excess pet purchases" and "I'm going to eventually want to do something with my back yard and those stumps" -- the last of which needs to be renamed to something else because I have officially done something).

         

        I'm not saying insurance is a scam all the time.  There are people who genuinely need it (loss / theft is the biggest reason, so it depends on where you live, but also "I dropped it in the toilet").  But, if you're using insurance as a "in case I drop it and break the screen", you're definitely going about it wrong.

         

         

        As for is there anything you can do?  Probably not.  You can probably contact T-Force on Social Media to see if there's something they can help with (I agree that this is not right -- I mean, if you crash your vehicle, your auto insurance at least gives you some value towards a new-to-you vehicle... though, this may be what happened -- they offered a $325 discounted device and the $175 deductible, but that doesn't seem right somewhere).