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  1.    #1  
    I purchased my Sprint Treo Pro several days ago. I received a good deal by Sprint, which they offered me the phone for $199.00 w/2year contract. I am a Premier cusotmer

    So, after i purchased the phone, I added insurance. I think I will be paying $7.00 a month that is $84.00 a year. so here is my questions

    1) Do you have insurance (This should be a poll )

    2) Is it worth it?????

    thanks gals and gools
    I cant remember what PDA's/PPC/Smartphone/Windows Mobile devices that i have had in the past. But simply put, i got the Palm M100 many years ago and was hooked. Since then, i have been upgrading in search for the latest and greatest device. and yes still searching
  2. #2  
    i say anything from Palm, its worth paying the insurance. I have had to replace my 755 about 3 times this past year because of network problems. Its easy to make it worth it if you know what i mean
  3. #3  
    I have replaced my 650 twice, my 700p 3 times. Without insurance, I would have spent more than $1000 out of pocket. Yes, insurance is worth it for me!
  4. #4  
    You don't need a poll, any more than you need a poll as to whether it is wise to spend money at a casino. the math is all there, insurance is a loss for you.

    Anecdotes about or by people for whom insurance paid off are the same as anecdotes about or by people who won at the race track --no offense to them and not slight to their veracity in exceptional cases - are not representative. If you are an average person buying insurance on a phone is a mistake.

    Used Treo Pros, will be $150 to $200 on ebay in months. There is a $100 deducible if you make a claim. that is $87 (more considering tax and present value) plus $100 or a $200 cost to you in a single year loss, and chances of loss are probably more like 1 every three years.

    If you drop your phone in the toilet in one year it will have cost you more to have insurance. Actual chance of loss or claim is more like three years...you know this because the insurance companies have access to the odds, the numbers, the actuary tables, and then add their overhead and profit -- (as well as fraud by some claimants) and then determine the price.

    Insuring consumer electronics, which plummet in value like yesterdays fish, is irrational.
  5. #5  
    aero's words make sense. However, it does not factor in the horrible reliability of the Treo 650 and 700p phones, which affect the math, in my opinion.
  6.    #6  
    Quote Originally Posted by aero View Post
    You don't need a poll, any more than you need a poll as to whether it is wise to spend money at a casino. the math is all there, insurance is a loss for you.

    Anecdotes about or by people for whom insurance paid off are the same as anecdotes about or by people who won at the race track --no offense to them and not slight to their veracity in exceptional cases - are not representative. If you are an average person buying insurance on a phone is a mistake.

    Used Treo Pros, will be $150 to $200 on ebay in months. There is a $100 deducible if you make a claim. that is $87 (more considering tax and present value) plus $100 or a $200 cost to you in a single year loss, and chances of loss are probably more like 1 every three years.

    If you drop your phone in the toilet in one year it will have cost you more to have insurance. Actual chance of loss or claim is more like three years...you know this because the insurance companies have access to the odds, the numbers, the actuary tables, and then add their overhead and profit -- (as well as fraud by some claimants) and then determine the price.

    Insuring consumer electronics, which plummet in value like yesterdays fish, is irrational.
    i am gonna go out on a limb and figure ur answer is no to insurance!!!??

    but the odds of dropping ur phone, losing ur phone, getting it stolen is there. also, consider the wear tear on the phone. i use my phone aggresively all awaking hours. it is nice to know that i can use this device without worrying about its well being.
    I cant remember what PDA's/PPC/Smartphone/Windows Mobile devices that i have had in the past. But simply put, i got the Palm M100 many years ago and was hooked. Since then, i have been upgrading in search for the latest and greatest device. and yes still searching
  7. chong67's Avatar
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    #7  
    Aero, deep english ...

    You better get it right away. I think you have 30 days. I think about this ins thing too.

    Let say dont have it and want to return to Palm to get it fix, on their website it say to go and talk to Sprint.

    With my phone getting warm everyday from heavy use due to chat program like Skype running all the time and tethering on it, it will die soon. So it depends on if you use your phone heavy.

    But if you drop your phone in the toilet or drop it and it died, you still have to pay $50. I think its $100 now? I forgot.

    If it died just like that, then you get another replacement the next day.
    Dell x51v → Motorola Q (Verizon) → Mogul → 800w → Treo Pro → Touch Pro 2 (SERO) → HTC EVO 3D → HTC EVO 4G LTE → HTC One S → Nexus 4
  8. #8  
    I've had 2 Treo 800's replaced, 1 dropped Touch Pro, 1 Sanyo 9000, 1 Sanyo M1 and that is just my line. My wife has had a few. My line alone is well over $1500. Is the insurance worth it? Hell Yes!
  9. #9  
    We have insurance on all three of our phones and it is definitely worth it. Stolen, lost, broken, spills, defective, etc. ALL covered.
  10. chong67's Avatar
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    #10  
    No, you still have to pay your deductable first. Now at $100 right?
    Dell x51v → Motorola Q (Verizon) → Mogul → 800w → Treo Pro → Touch Pro 2 (SERO) → HTC EVO 3D → HTC EVO 4G LTE → HTC One S → Nexus 4
  11. #11  
    I just received a card in the mail from Sprint yesterday that say $50.
  12. chong67's Avatar
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    #12  
    I remember it was posted here and I got a postcard from them too. Its $100 now.

    Copied from somewhere ...

    For those that haven't received their notices from Sprint/Asurion yet, a new tier system is being implemented effective April 19. Tier one devices will have a $50 deductible, while Tier 2 devices, which includes all BlackBerrys, will now be a $100 deductible. Anyone seeking information regarding their device can confirm this on Cell Phones, Mobile Phones, and Wireless Calling Plans from Sprint. The Asurion phone # is 800-584-3666. It does state that some devices that start on Tier 2 may be moved to Tier 1 during the lifetime of the device.
    Dell x51v → Motorola Q (Verizon) → Mogul → 800w → Treo Pro → Touch Pro 2 (SERO) → HTC EVO 3D → HTC EVO 4G LTE → HTC One S → Nexus 4
  13. #13  
    With a $50 deductible it was a decent deal. Doubling the deductible (As of April 1st) is just greed in my opinion and I will be cancelling my insurance shortly. If they want to increase the deductible try doing it by a more reasonable $5 or $10 dollars.

    I'll just set aside $100 and then $7 a month to help pay for a new phone if something happens. If it's a warranty problem then Sprint and Palm should stand behind their product. If I drop it or lose it then that's my bad.
    Last edited by jeremy3721; 03/22/2009 at 06:09 PM.
  14. chong67's Avatar
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    #14  
    I just pay for the insurance cause I can get a refurb in 2 days and sell it and get another new phone.

    The problem is that Palm will not take the phone back even if it had a 1 yr warranty cause its a Sprint phone.
    Dell x51v → Motorola Q (Verizon) → Mogul → 800w → Treo Pro → Touch Pro 2 (SERO) → HTC EVO 3D → HTC EVO 4G LTE → HTC One S → Nexus 4
  15. #15  
    Quote Originally Posted by Kevin C View Post
    I just received a card in the mail from Sprint yesterday that say $50.
    It changes in two weeks including for people who carry it already. it is not a materiel part of your contract and the terms can change any time they just have to notify you. it is $50 for the next two weeks.
    Quote Originally Posted by tenfivediamonds View Post
    but the odds of dropping ur phone, losing ur phone, getting it stolen is there. also, consider the wear tear on the phone. i use my phone aggresively all awaking hours. it is nice to know that i can use this device without worrying about its well being.
    Again the insurance company has calculated the odds every way from sunday. the odds oare you will not recover your costs.
    Quote Originally Posted by TreoPro1 View Post
    We have insurance on all three of our phones and it is definitely worth it.
    You are exactly the one for whom it is not worth it. If you have three lines you absolutely should self-insure as your risk is already distributed. you are spending almost $300 a year after tax on insurance. Not self insuring in your case is like betting red and black on roulette table to be "safe."

    Anyway guys, do what you wish, but don't try and justify the math, the odds or the financial soundness.

    The insurance companies already have done this. They have priced it according to the odds and added:
    their profit,
    their overhead,
    you locality's sales taxes; and
    costs fraudulent claimants as well.

    they distribute all those costs to you
    Last edited by aero; 03/22/2009 at 08:05 PM.
  16. #16  
    The Sprint Asurion coverage (TEP) will be a bigger rip off once the deductible hits $100 than ever before.

    Many of you folks are getting Sprint Treo Pros on contract for $199.

    Well do the math, $7/month X 12 = $84.
    $100 (deductible) + $84 = $184.

    What you pay for TEP in a year almost equals what you paid for the device. And guess how much those Sprint Treo Pros will be selling for brand new on Ebay 1 year from now? About $185-$200.

    I'm getting off the TEP bandwagon, but there's no convincing anyone still falling for the game.

    (But if your auto insurance costs you in a year with deductible just about half the price of your car's brand new price. Many of you would never stand for such from an auto insurance company.)

    I'm off to go try out Mighty ROM for my Touch Pro. I might as well do some stuff that might brick my device like flashing ROMs, before I cancel the insurance. (The TF3D 2 stuff is still too much in Beta mode, so I'll give Mighty ROM a try. Since I might as well learn how to flip ROMs while I've got the insurance.)
  17. #17  
    And if you buy your device with a credit card, most credit card policies cover if the device is lost or stolen. The manufacture's warranty covers defects. All that's not covered is you messing up the device yourself.
  18. chong67's Avatar
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    #18  
    Yes, either way, you loose.

    I always wonder people that live in the jungle, their life is so free. They had nothing to worry about. No tax, no religion, no hormone additives, no phone, no insurance, no profolactive? and they just tend their gardens and live in a mud houses.
    Dell x51v → Motorola Q (Verizon) → Mogul → 800w → Treo Pro → Touch Pro 2 (SERO) → HTC EVO 3D → HTC EVO 4G LTE → HTC One S → Nexus 4
  19. #19  
    Quote Originally Posted by chong67 View Post
    Yes, either way, you loose.

    I always wonder people that live in the jungle, their life is so free. They had nothing to worry about. No tax, no religion, no hormone additives, no phone, no insurance, no profolactive? and they just tend their gardens and live in a mud houses.
    Not paying for the insurance, odds are that you'll win. In hindsight, I've never once used the insurance. Meaning all the money I've ever paid monthly for it for years would have been money saved. And the amount paid for it percentage wise in comparison with the costs and depreciation of the device is INSANE when scaled against what I pay for any other insurance and what it comparatively covers.

    And it's apparent you don't know much about people who live in the jungle . Watch and read some more National Geographic .
  20. #20  
    I bought an unlocked Treo Pro from NewEgg, and have it setup through T-Mobile. NewEgg had an extended warranty 1 year for $45.99 2 years for $125.99. I bought the two year plan, so it's about $5.25 a month. It doesn't cover lost or stolen, but it's the best I could get. It covers:

    Service Net Day 1 Handheld ADH Warranty Plan

    If your product becomes inoperable due to an accident from handling, it will be replaced at no charge to you

    * Accidental Damage from Handling begins at the time of purchase.
    * Mechanical failures are covered after manufacturer’s warranty expires (except 1 yr ADH plan)
    * Should your product need to be replaced, a replacement product will be shipped to you at no charge and the contract will be considered fulfilled.
    * You may need to send in your product to validate ADH or mechanical failure. All shipping expenses are covered.
    * Customer Support is available 24 hours per day, 7 days per week, 365 days per year.
    * The Contract is fully transferable.
    * Coverage is provided by Service Net.
    Last edited by palandri; 03/23/2009 at 06:17 PM.
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