You still have no idea what you are talking about and your stupidity is offensive.
It's hard to 'chill' when faced with stupid and ignorant comments stereotyping 22million people.
You talk about a "difference in mentality" yet with apple care plus not existing here you have no way of verifying that.
Australians pay significant premiums for cars, electronics, clothing, electricity, software and almost any product you can name when compared to counties like the US (not exclusively more, but in many many instances). Is it a long bow to pull that Insurances paid by Australians are higher too??
Apple has only very slowly been rolling out its apple care plus, as of late 2013 it was only available in 15 countries total.
The fact that apple apparently intends to roll out apple care plus to Australia would show you to be further full of s#%>. They are not backwards in coming forwards to make a profit, they would NOT be rolling it out in Australia if they were going to make a loss. It makes no sense at all ( as you said)
Naturally apple won't roll out apple care without an excess, they don't in any country on earth, they aren't stupid. Why are you saying they would here? I don't know where you came up with 'nil excess'.
You're talking about 'ifs and ands' ... If apple rolled it out without an excess, well let me tell you IF apple rolled it out in the US without an excess then the same issue would exist.
Quite frankly, I've never committed insurance fraud and don't know anyone who has. I HAVE claimed on insurance, once for my iPad. The fact that I had insurance did nothing to help or stop it slipping out of my bag onto the concrete, Naturally I claimed. That's why I have insurance! That's why I PAY for insurance.
Australians are no different from Americans in that regard. Get your facts right or just stop speaking (writing) now.
People need to chill and actually read what I said.
What I was saying was that IF you offer apple care plus, which is basically phone insurance for accidental damage, then apple have to realise that in australia people then become careless and/or deliberatly negligent more so than if they don't have the insurance.
We know that only about 1 in 9 people actually lose or seriously damage their phone. However 1 in 3 people on insurance lose or damage their phone. Think about that for a second and what it means. Such a discrepancy doesn't seem to exist in the USA or most other countries.
Basically there is a difference in mentality. In most counteries Apple care plus is understood to be 'a backup should i accidentally damage my phone'. However in Australia the typical mentality of these programs/insurance is: 'I am entitled to new phone for any damage I do to it'.
This mentality is all through Australian insurance. Every insurance in australia has an excess of a level not seen in the rest of the world. The reason being is that for some reason australians see insurance as a way to be flippant and/or deliberatly get 'new for old' replacement.
Apple has VERY slowly rolled out their apple care plus around the world, they would NOT roll it out in Australia if they thought it would cost them money, it makes no sense. It is therefore is safe to assume that Australians DON'T
I will get apple care plus if its a <$150. As it will be a great deal. Typical insurance for phones is $99/year plus $200 excess. All I am saying is that if apple does apple care plus with no excess, it will get abused far more than it does in other counteries by people who claim damage from outright negligence and deliberate 'new for old' scams, rather than just accidental damage.
Of course apple probably already know all this: its is the main reason why apple care plus does not even exist in australia yet.
