| Author |
Insurance On Cell Phone? F *K that! |
bikeme74
Joined: Jul 11, 2004
Posts: 45
PM |
That's right. Insurance for a cell phone. I don't get it. Why would people do such a thing. I understand that one gets a new phone when one loses it, or break it, etc. But just take care of your damn phone. Fvck the insurance!
Any time you pay extra money for insurance, it's ALWAYS a bad thing. Insurance is the biggest SCAM on this planet. "The House" never lose. An extra way for a phone company to make extra money.
Admit it, everyone on this forum gets a new phone every year anyways. Hell, some priviledged people get a new phone ever three months. I don't have insurance on my K700i. If I lose it, I'll go out and get me a new one. It gives me a reason to buy a recent model. The amount of money one pays each month on insurance is about equivalent to the price of a new phone. So why do people still pay insurance and give the phone companies free money?
Your comments/opinion please....
|
|
|
tidytrev
Joined: Dec 21, 2002
Posts: 144
From: derby,england
PM |
i agree with u there,the only insurance i need is the free one i get with my phone and the 12 month from the shop (free),if i pay 200 quid for a phone im not stupid enough to let it out of my site or put it in a position where im going to stamp on it or sit on it
ba da ba ba baaa i'm lovin it! |
Lynx69
Joined: Feb 22, 2004
Posts: > 500
From: [ENGLAND]
PM |
I lost my phone only a few weeks after buying it and because i had insurance i was lucky enough to not have to pay £150 maybe more for a new one.
Apart from that i do agree with you.
_________________
This message was posted from a Desktop PC
>>*Trader's Guild*<<
 Wow 1600+ Posts
[ This Message was edited by: Lynx69 on 2004-10-31 03:44 ] |
kimcheeboi
Joined: Dec 19, 2003
Posts: > 500
From: Abducted by hot blondes to Les
PM |
Is that why there's health, car, and home insurance? Want an award?
This message was posted from a T610 |
scotsboyuk
Joined: Jun 02, 2003
Posts: > 500
From: UK
PM, WWW
|
@bikeme74
I don't quite see the need for the rant about insurance. Personally I think it's a good idea, especially if one is using an expensive mobile, for a relatively small monthly charge I know that I won't have to pay the full cost for a new mobile.
"I may be drunk my dear woman, but in the morning I will be sober, and you will still be ugly." WSC |
Lynx69
Joined: Feb 22, 2004
Posts: > 500
From: [ENGLAND]
PM |
Quote:
|
On 2004-10-31 04:44:03, kimcheeboi wrote:
Is that why there's health, car, and home insurance? Want an award?
This message was posted from a T610
|
|
What award is this then?
The being even stupider than Kimcheeboi and pooeh? 
 >>*Wow 2100+ posts*<< |
tidytrev
Joined: Dec 21, 2002
Posts: 144
From: derby,england
PM |
well im not a betting man,i feel like im placing a bet on wether or not im going to break my phone,theres a 50/50 chance on it happening so id rather save my money and not jinx myself lol
ba da ba ba baaa i'm lovin it! |
bikeme74
Joined: Jul 11, 2004
Posts: 45
PM |
My apologies for people with cell phone insurance who felt offended. It was not my intention. Just wanted to start a good discussion on ESATO because lately, the topics on this forum have been pretty boring.
Anyways....
I just hate insurance! If I don't have to pay insurance, then I won't. Have you ever bought some electronics (ex. a T.V.) and the saleperson says, "You want insurance?" Uh, for what? ...On a stupid T.V.? Hell NO!!! It's a way for the stores to make EXTRA money. What's the chance of it breaking or you losing it. Chances are very, very very slim. I feel that way with cell phones as well.
Since we're on the topic of insurance... Car insurance? If you in a car accident and it's your fault, the Insurance Co. will raise your rate. If it's NOT your fault, the Insurance Co. STILL raise your rate. Why? Now they said because you are "prone"/likely to accidents. So what's the purpose of getting insurance??? The Insurance Company NEVER lose.
Now we're getting off topic, so I won't go into health insurance. Anyway, I just want to heard people's view on cell phone insurance. Me personally, I don't like it.
ps. Yes, I DO have car insurance because it's the law....just in case people are wondering.
[ This Message was edited by: bikeme74 on 2004-10-31 04:25 ] |
scotsboyuk
Joined: Jun 02, 2003
Posts: > 500
From: UK
PM, WWW
|
@bikeme74
I wasn't offended, I just wondered why you had such a be ein your bonnet. 
Insurance for a television and insurance for a mobile phone are very different; a mobile phone has a far greater chance of being damaged, etc than a television. I take out insurance on my mobiles because it gives me the ability to obtain a replacement mobile in the evebt of mine being damaged without having to pay the full cost of the mobile. I think insurance is a good thing to have if one is using an expensive mobile, perhaps not so much if the mobile is a cheap model.
"I may be drunk my dear woman, but in the morning I will be sober, and you will still be ugly." WSC |
govigov
Joined: Jul 30, 2004
Posts: > 500
From: Back home - Cochin
PM |
That is a standard feature on all white nokia's sold in india. Hahahaha.... No i am serious. Just ask any indian, 1year theft insurance, 2years warranty.
This message was posted from a K500 |
Jake Blues
Joined: May 24, 2004
Posts: > 500
PM |
i have never had any mobile insurance, i dont let my phones outta my sight. also i dont need, mobiles are covered in my houses contents insurance.
i read a while ago that a lot of policies cover mobiles but people dont realise and get seperate cover, another example of insurance companies winning......?
[addsig] |
Sammy_boy
Joined: Mar 31, 2004
Posts: > 500
From: Staffordshire, United Kingdom
PM, WWW
|
I have to say I'm not a big fan of all this insurance either. I think the general rate for phone insurance is something like £4 or £5 a month, or £60 a year max.
This would possibly be worth it if you had an S700 or a P910, but otherwise it's a false economy. I never take out the offer of insurance when I buy a TV or something - it's usually guaranteed for a year by the store anyway!
This is perhaps me being cynical here, but when you come to make a claim, they often find a way of squirming out of paying any money to you, like saying it's your fault therefore no money, and most don't cover you for water damage - so no dropping you phone in a puddle!
And if you operate some common sense - like not leaving it in your car when you get out (even for a matter of seconds) or leaving it on edges of tables, etc., there's much less chance of you losing/breaking it. Even with all the mobiles I've had recently, I've (touchwood) not had a problem yet!
"All it takes for evil to flourish is for good men to do nothing" - Edmund Burke
|
Jim
Joined: Jan 20, 2002
Posts: > 500
From: Belgium
PM |
Never needed insurance for my phones, I don't even know if Belgium has this.
|
p900 lover
Joined: Jan 08, 2004
Posts: > 500
From: London
PM |
but it this way, i payed £300 for my p900 when it came out, ok its not millions and millions but its still a fair bit of money. i took out a £4.99 per month insurance on it which just incase i brake it or it gets stolen i get a new 1. |
701
Joined: Nov 26, 2002
Posts: > 500
From: Romania
PM, WWW
|
Have u ever wondered how a company defines 'stollen phone?' If it's an agression involved(e.g broken arm,stab wound) and u press charges,yes,u might have a chance.Otherwise,if someone robs u and u r smart enough not to get stabbed for a damn phone,u won't get the money back!This is only 1 of 'the reasons' u read if u bother to look it up in the contract. Scam is too soft of a word for 'mobile insurance'. Not for me.
This message was posted from a T610 |
|
|
Posted: 2004-10-31 04:38
>>*Wow 2100+ posts*<< 
