AppleCare+ Can Now be Purchased Up to One Year After Buying an iPhone

Discussion in ' News Discussion' started by MacRumors, Mar 17, 2017 at 1:01 PM.

  1. Channan macrumors 68020


    Mar 7, 2012
    New Orleans
    He said in the long run, meaning you might drop your phone and break it now, and AC+ would save you money this time, but you probably wouldn't need it next time or even the time after that, and then you wind up spending more on warranties than the actual repairs are worth.

    Someone cracking the screen of every iPhone they own twice could save a whole lot more money even over AC+ by just getting a good case.
  2. ACG12 macrumors 6502

    Jun 9, 2015
    You would be incorrect. One replacement cost without AC+ is more than AC+ and the deductible.

    If I break my iPad Pro 9.7 twice with AC+, I'm out $200 total. Without it, $758. My iPhone, $329 vs $619.

    It's just like your home and auto insurance, hoping you never have to use it, but there when needed.
  3. BeefCake 15 macrumors 6502a

    BeefCake 15

    May 15, 2015
    near Boston, MA
    Confirmed yesterday with a phone purchase, indeed up to 1 year!
  4. BenTrovato macrumors 68020


    Jun 29, 2012
    Exactly you proved the other persons point. Insurance is always calculated to benefit the company not the consumer. Apple calculated how to turn this into another revenue stream and settled on these figures to profit from it. Mathematically, the consumer never profits from insurance. As others have said, in the long run, you come out ahead paying WHEN it breaks, not paying in advance for IF it breaks.
  5. AppleScruff1 macrumors G3


    Feb 10, 2011
    What's so good about paying for two years of coverage but only getting one?
  6. p3ncil macrumors regular

    Jul 6, 2009
    :( Yea, you're right.
  7. NRubino macrumors member

    Jun 21, 2010
    I don't know if I'm the only one but every time I try to purchase online I get to a spot and just a blank screen, I check eligibility, click buy, verify, and then nothing, just goes to a link and blank...

    Can anyone help ?!
  8. RadioGaGa1984 macrumors 6502a


    May 23, 2015
    You never paid for 2 you only ever paid for 1 extra. You get one with original purchase and another with the purchase of AppleCare+.
  9. NRubino macrumors member

    Jun 21, 2010
    I, too, have had this same experience, not sure what the issue is... no one has been able to give me a definitive answer...
  10. WoodpeckerBaby macrumors newbie


    Aug 17, 2016
    The Apple diagnostics report uses accelerometer history data for shock detection. If your phone is dropped, the log is permanent. Apple also knows the severity of impact to distinguish a light drop on the bed and a hard drop on the floor. So... if your screen is cracked, they'll know for sure. If they let you through, it's their curtesy not inability of detection.
  11. jforsander macrumors newbie


    --- Post Merged, Mar 18, 2017 at 9:46 AM ---
    I've done that before. The software diagnostic tool doesn't know if your screen is cracked.
  12. ApfelKuchen macrumors 68000

    Aug 28, 2012
    Between the coasts
    Regardless of the type of insurance... Self-insurance works very well for those who have the financial resources, not so well for those who don't. You could argue, "If you can't afford to repair/replace it, you shouldn't buy it," but you'd be holding humanity to a standard that few could match.

    One may as well also say, "Pay cash for everything, it's cheaper than paying interest," or "Make it yourself, it's cheaper than paying someone else to make it."

    When the dollar amounts get larger, it's easier to appreciate the potential benefits. Pay $20,000 cash for a car today, it gets destroyed in a crash a few months later, pay another $20,000 cash to replace it. And that's assuming there are no deaths or physical injuries. Very scary proposition. Insuring a smartphone seems silly by comparison.

    I'd ask the self-insurers in the audience, do you also self-insure your healthcare, vehicles, and homestead? Or is this just a matter of degree?

    Insurance is a risk-mitigation pool. Something bad is going to happen to someone, that bad thing may have devastating consequences, so everyone chips in a bit against the chance that they may be the person to whom the bad thing happens. It also helps to have the attitude that, "If it benefits my neighbor rather than myself, that's OK, too." But the current fashion in the U.S. is to care nothing for ones neighbors, or the common good in general. Losers get what they deserve (as if losing was a character flaw, as if bad things never happened to good people).

    Like most other endeavors, insurance can be run as either a profit-making enterprise, or on a non-profit, mutual basis. Since it's the fashion to run everything for private profit and nothing for mutual benefit, why single out any one business for doing what society seems to demand?
  13. AppleScruff1 macrumors G3


    Feb 10, 2011
    You also paid for the chance to have accidental damage coverage for two years. Without AppleCare you get none.
  14. ACG12, Mar 18, 2017 at 11:19 AM
    Last edited: Mar 18, 2017 at 11:24 AM

    ACG12 macrumors 6502

    Jun 9, 2015
    He proved me right, it has happened to me and each time it was never my fault.

    AC+ isn't just about damages either, it extends coverage for an additional year for defects which would have saved me a huge headache with Apple and my old 6+ (and the reason why I now get AC+)
  15. BenTrovato macrumors 68020


    Jun 29, 2012
    Just ball parking.. If I purchased AC for only my Apple products since 2007, it would cost me over $2000. My out of warranty repairs in that time period have been under $500. It's a no brainer for me not to buy it but I understand how insurance works having studied it and know it does not pay in the long term. Others may have had different experiences.
  16. joueboy macrumors 6502a

    Jul 3, 2008
    This sounds awesome especially if you really need just like any insurance very beneficial in the time you need it. But obviously Apple wants more money one way or the other they want your $129. I used to hear stories when Apple doesn't make as much money as now when fewer people owns Apple products. Their customer service is top notch I heard stories from friends Apple fixed their problem for free. Now that's not gonna happen and the wait for repair is now days to just to make reservation, I remember when I can just walk-in and they just take care of me. Funny how not only Apple when companies start asking more money and services start to get suck pretty bad.
  17. LoliS, Mar 18, 2017 at 12:46 PM
    Last edited: Mar 18, 2017 at 1:02 PM

    LoliS Suspended

    Mar 8, 2017
    If insurance companies didn't make a profit, they wouldn't be in business.
    --- Post Merged, Mar 18, 2017 at 12:48 PM ---
    If by mathematically you mean on average, then yes the average consumer pays more in insurance than they ever get paid back to them. That's the whole reason the system works.
    --- Post Merged, Mar 18, 2017 at 12:50 PM ---
    No matter when you buy, you are only getting an additional 1 year of warranty. As for the accidental damage coverage, if you buy at the time you purchase, you get 2 claims in a 2 year period. If you buy at the 1 year mark, you get 2 claims in a 1 year period. You get 2 claims either way.
    --- Post Merged, Mar 18, 2017 at 12:57 PM ---
    That's interesting. I turn off "send diagnostics to apple" but you are saying they store the logs locally on the device. Correct?
    --- Post Merged, Mar 18, 2017 at 12:59 PM ---
    Exactly, insurance is a forced savings account to cover future losses that may never occur.
    --- Post Merged, Mar 18, 2017 at 1:01 PM ---
    For most it is not only a matter of degree but of also being required to carry the insurance. HO insurance is required if you have a mortgage and technically health insurance is required too although the penalties are small if you don't carry it.

    With AC+, the other thing people are missing is that you get tech support from apple for 2 years too. That may not be a big deal to many people but I certainly use it.
    --- Post Merged, Mar 18, 2017 at 1:03 PM ---
    Correct but no matter when you purchase the AC+, you get 2 claims. If you buy AC+ when you purchase the device, you get 2 claims in 2 years. If you buy AC+ at the 1 year mark, you get 2 claims in 1 year.
    --- Post Merged, Mar 18, 2017 at 1:06 PM ---
    I buy AC+ too but I wanted to point out that Apple will sell you an out of warranty replacement device. It's pricey though.
    --- Post Merged, Mar 18, 2017 at 1:07 PM ---
    You are both lucky and careful with your devices.
  18. justperry, Mar 18, 2017 at 1:15 PM
    Last edited: Mar 18, 2017 at 1:20 PM

    justperry macrumors 604


    Aug 10, 2007
    In the core of a black hole.
    This is not the whole story, there's much more to it than just comparing prices and VAT.
    For instance:

    1. Where I am from I (Actually Apple) have to pay import Tax.(Which is transferred to the consumer)

    2. Healthcare insurance is mandatory in most EU countries, it's makes wages higher, ergo higher electronics costs.

    3. You make $40.000, I make €40.000, a bottle of coke is 1$ or €1 in the US-EU, so in this case an iPhone is $879 instead of $945, don't take the exchange rate into consideration, many people fall into this trap.

    4. 3 years is still more than the 2 years you get if you get Applecare.

    5. Plenty more reasons.........

    Not if they are mutual non profit.
  19. LoliS, Mar 18, 2017 at 1:42 PM
    Last edited: Mar 18, 2017 at 1:50 PM

    LoliS Suspended

    Mar 8, 2017
    Yep, all of that means goods are more expensive in your country.

    And it isn't mandatory health insurance that you have, it is socialized medicine, big difference. Not to mention the free riding the socialist countries do on the drug industry R&D paid for by US healthcare consumers.

    I make a helluva a lot more than that.

    While there is a larger income gap in the US between the lower and upper socioeconomic classes compared to Europe, the fact that goods are cheaper in the US means that the lower income people in the US have a higher standard of living. You can't go simply by income, you have to go by disposable income after you factor in tax credits and other public assistance.

    $945 - $690 = $255 savings. I can afford to buy new iPhones more often because they are cheaper in the US.

    And remember, the 3 years of warranty that you get doesn't include accidental damage. The 2 years of AC+ does with deductibles of $29/$99. You are ignoring that very valuable difference. I will take 2 years of warranty + 2 accidental damage claims and cheaper devices over your 3 year warranty. I like my toys all shiny and new.
    --- Post Merged, Mar 18, 2017 at 1:49 PM ---
    Not too many of those in the US. There used to be more.
  20. AppleScruff1 macrumors G3


    Feb 10, 2011

    So please tell me why it's such a fantastic idea to buy coverage a year later.
  21. LoliS Suspended

    Mar 8, 2017
    It just gives people who are on the fence longer to decide if they want it. Of course if they have accidental damage during that first year, they can't get it after that or if they had to get a warranty replacement. That's a risk they take by waiting.
  22. garya73 macrumors regular

    May 12, 2013
    Delaware, USA
    Because Apple figured out they can offer half a warranty and charge the same amount of money and people will buy it.
  23. cardfan macrumors 6502a

    Mar 23, 2012
    The only applecare I ever buy is on an imac or 15" MBP. It has to be 2k+. To each their own though if you enjoy paying out more.
  24. LoliS Suspended

    Mar 8, 2017
    It's not half a warranty for the reasons I explained before. No matter when you buy, you get the same 1 additional year of warranty. And no matter when you buy, you get 2 accidental damage claims. Same.
    --- Post Merged, Mar 18, 2017 at 8:22 PM ---
    As if you get nothing in return for paying for AC+, lol!

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