Insurance overlapping?

dominion155

macrumors member
Original poster
Sep 18, 2012
80
0
Hello everyone! So I just bought a black Iphone 5 32gb (only a MINISCULE scruff on side, dont even notice its there unless you do an OCD comb over.)

With ATT you have the 7 dollars a month insurance with two claims. Does this insurance overlap apple insurance or do they work side by side? (example: if i get a replacement at apple and it is faulty, can I get another replacement from ATT with the insurance claims?)


Thanks guys!
 

eelw

macrumors 6502a
Sep 19, 2012
631
26
I'll assume if the serial number on AT&Ts records don't match, you'll have issues with a claim.
 

1080p

macrumors 68030
Mar 17, 2010
2,764
2,261
Planet Earth
Always stay away from carrier insurance if you own an iPhone.

Example:

AT&T Insurance is $7/mo with a $199 deductible.

Apple out of warranty replacement is $229 for iPhone 5.

The only benefit of having carrier insurance is theft/loss coverage. I'd rather save the $7 month.
 

dominion155

macrumors member
Original poster
Sep 18, 2012
80
0
Always stay away from carrier insurance if you own an iPhone.

Example:

AT&T Insurance is $7/mo with a $199 deductible.

Apple out of warranty replacement is $229 for iPhone 5.

The only benefit of having carrier insurance is theft/loss coverage. I'd rather save the $7 month.
The thing is though, I doubt ill need Applecare for my phone. I was just thinking as a "back up" of sorts.

All of my past phones have not had insurance, because I have not needed it. Any manufacture defects can be replaced for free within a year of the iphone purchase. So i bet ill be covered with that.

Is it really worth having apple care if you are careful?
 

1080p

macrumors 68030
Mar 17, 2010
2,764
2,261
Planet Earth
The thing is though, I doubt ill need Applecare for my phone. I was just thinking as a "back up" of sorts.

All of my past phones have not had insurance, because I have not needed it. Any manufacture defects can be replaced for free within a year of the iphone purchase. So i bet ill be covered with that.

Is it really worth having apple care if you are careful?
Not talking about Applecare. I am talking about out of warranty replacement.

Here are options:

Carrier insurance - $7/mo, $199 deductible (2 replacements per year) <--- COVERS THEFT/LOST

Best Buy insurance - (if you bought at BB) $10/mo, no deductible

Squaretrade - $94 fee, then $50 deductible (up to 4 replacements)

Applecare+ - $99, then $50 per replacement (up to 2 replacements)

Genius Out of Warranty replacement - $229

I personally choose to save the upfront costs on insurance by not having any. I have never broken an iPhone and don't ever plan to. But on the off chance I do drop it and break it, $229 isn't much more than $99+$50... so I'll take that gamble.

But I absolutely think using more than 1 insurance option ('backup") is a waste of money. I also really think carrier insurance is a waste on an iPhone.... considering Apple's OoW option.
 

dominion155

macrumors member
Original poster
Sep 18, 2012
80
0
Not talking about Applecare. I am talking about out of warranty replacement.

Here are options:

Carrier insurance - $7/mo, $199 deductible (2 replacements per year) <--- COVERS THEFT/LOST

Best Buy insurance - (if you bought at BB) $10/mo, no deductible

Squaretrade - $94 fee, then $50 deductible (up to 4 replacements)

Applecare+ - $99, then $50 per replacement (up to 2 replacements)

Genius Out of Warranty replacement - $229

I personally choose to save the upfront costs on insurance by not having any. I have never broken an iPhone and don't ever plan to. But on the off chance I do drop it and break it, $229 isn't much more than $99+$50... so I'll take that gamble.

But I absolutely think using more than 1 insurance option ('backup") is a waste of money. I also really think carrier insurance is a waste on an iPhone.... considering Apple's OoW option.


Oh I see what you mean! I didnt know apple had an out of warranty option. Yea, it would probably be better to just pay upfront cost when you need it, compared to paying the normal fee when you dont need it.

Thanks!!
 
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.