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'AppleCare One' is Now Even More Valuable

DEMinSoCAL said:
Aren't prices on electronics super-high in Australia? Sounds like that warranty isn't "free" after all...

A base MBP M5 is $2000 in the US. In Australia, the same model is A$3200 ($2233 USD). Looks like a $233 warranty to me! 🙂
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Quick google... "In Southern California, sales tax ranges from a baseline of 7.25% up to 11.25% depending on the specific city and county"

So now that "$2000" Mac is suddenly $2225. Versus the super expensive... uh... $8 premium in Australia! 🤣
 
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DEMinSoCAL said:
Aren't prices on electronics super-high in Australia? Sounds like that warranty isn't "free" after all...

A base MBP M5 is $2000 in the US. In Australia, the same model is A$3200 ($2233 USD). Looks like a $233 warranty to me! 🙂
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Yes but that's because of the exchange rate. Unavoidable really.
 
🤓

Applecare One finally coming to the UK and other places, starting 4th August.... (( ABOUT TIME ))

Available in the UK, France, Germany and Australia.



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As someone who has played around with this quite a bit (and recently) - you get a nearly immediate refund - if it’s closer to $100+ it can take a few days and in my experience goes back to the method of payment, where amounts closer to $0 get added on as Apple Credit (can be used for subscriptions, buying things).
 
pancakedrawer said:
Out of interest how many times have you used it?
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I have AC+ on my iPhone 13Pro.
Speaker and Mic, developed fault around the 2yr. They replaced the phone after trying to clean it. Have had a battery replacement also. That alone has paid it off for me.

Had AC on previous MB's, paid for itself when need replacement parts. Like logic boards.

How many times have you claimed on house or car insurance but you pay for it 🙂
 
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bluesnoop85 said:
That alone has paid it off for me
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I'm glad it did, but that's not the logic.

You got lucky more than once (by being unlucky!). Of course insurance *can* pay off, and if it does then you're glad you had it. The point is that the odds of any insurance paying off - including auto or house - are always going to be low.

But unless you're obscenely rich, you couldn't afford to pay for the damage if you get in an at-fault car accident, or to replace your house if it gets burned down.

I mean, we'd be living outdoors if we hadn't had coverage during the '94 Northridge earthquake! Paying for a new logic board during years 2 and 3 of owning a Mac... even if I couldn't find one on ebay, that would only be annoying, not life-changing.
 
bluesnoop85 said:
I have AC+ on my iPhone 13Pro.
Speaker and Mic, developed fault around the 2yr. They replaced the phone after trying to clean it. Have had a battery replacement also. That alone has paid it off for me.

Had AC on previous MB's, paid for itself when need replacement parts. Like logic boards.

How many times have you claimed on house or car insurance but you pay for it 🙂
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Car insurance is mandatory in Australia and covers not just the car but the potential damage you might do to someone else's car. The latter is the main benefit as my car isn't expensive, but I could go broke if I crashed into a Ferrari.
For home insurance, I have it not because the risk of losing the house to an accidental fire is high, but because I wouldn't have the cash in my bank to fund a new home if it burned down. Plus it comes with public liability insurance.
You can't compare this to a phone which is easily replaced (or not) when broken.
 
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pancakedrawer said:
You can't compare this to a phone which is easily replaced (or not) when broken.
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Of course one can. The principle is the same for everyone. If you don't want be sure you're covered, then it's simple. Don't pay. In the event you do want be sure you're covered, you pay.

Of course, one can luck out too, like I did when I paid for a new battery in my non-covered phone and Apple replaced my screen at no cost. I didn't know there was a problem either. Would they under AC? I have no idea.
 
MikB said:
Of course one can. The principle is the same for everyone. If you don't want be sure you're covered, then it's simple. Don't pay. In the event you do want be sure you're covered, you pay.
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Well yeah, that's a tautology i'nit.

That is, other than that no Apple product weighs thousands of pounds and travels down the road fast enough to kill someone if you screw up. 🙂 Thus auto liability insurance is mandatory in the US too, so it's more like if you don't want to pay to be covered, you don't drive!

In any case, my guess is that Apple's new lease financing program is going to lead a lot more people to buy AppleCare. The facts aren't really any different, but the psychology is.
 
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nickbatz said:
Not just all sorts of insurance, *every* type of insurance..
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Whole life insurance policies can be conservative investments that provide long-term tax-deferred growth, potential dividends, etc. for the insured/policyholder. Of course, there's also the eventual death benefit to beneficiary or beneficiaries.
 
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MikB said:
Of course one can. The principle is the same for everyone. If you don't want be sure you're covered, then it's simple. Don't pay. In the event you do want be sure you're covered, you pay.

Of course, one can luck out too, like I did when I paid for a new battery in my non-covered phone and Apple replaced my screen at no cost. I didn't know there was a problem either. Would they under AC? I have no idea.
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My point about them not being comparable is because not having house insurance can bankrupt you and leave you without a place to live. You can't say the same for a phone.
 
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webkit said:
Whole life insurance policies can be conservative investments that provide long-term tax-deferred growth, potential dividends, etc. for the insured/policyholder. Of course, there's also the eventual death benefit to beneficiary or beneficiaries.
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True, and it's one of the exceptions to what I wrote, which was probably a little too general.

I don't know the details, but isn't it also different in that the investment is a separate part of it?

Also, you'd have to say that health insurance is somewhat different from the kind of insurance we're talking about here. The pooled risk aspect of it conceptually the same, but it's designed to be more of a financing method.

And I still say that AppleCare isn't a good bet, because the odds are stacked way in favor of the house. 🙂
 
nickbatz said:
True, and it's one of the exceptions to what I wrote, which was probably a little too general.

I don't know the details, but isn't it also different in that the investment is a separate part of it?
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Not sure what you mean by a "separate part of it." The investment-related features are part of the policy itself and, as already mentioned, can include tax-deferred growth, potential dividends, etc.
 
webkit said:
Not sure what you mean by a "separate part of it." The investment-related features are part of the policy itself and, as already mentioned, can include tax-deferred growth, potential dividends, etc.
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I just looked this up, and Copilot says that a portion of the premium goes into a cash value account. You can borrow against it or withdraw from it.

But it's not AppleCare for people. 🙂
 
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