Creating what will be called in the next 3/4 years the "Smart Phone Bubble"
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What's your insurance choice this time?
- Thread starter AppleFan91
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I believe that you do this for a living, but I know from calling representatives that sometimes you get different answers from different people. I have gotten express replacement service with no fee, and there was no indication they were waiving the fee as a courtesy.
Also maybe you should contact Apple since the web site directly contradicts your statement. I linked this page in my previous comment.
I will buy AppleCare for the free battery replacement alone. A $79 value, I have always ended up using it in the last month of my AppleCare, so the coverage only ends up costing me $50 for two years of peace of mind, and even less in years prior. In addition, this last time I brought my 5S in for battery replacement, something went wrong and they handed me a brand new phone in place of my dented, scratched two year old one.
Yes it is is true you will sometimes get a different answer from a different rep. As for the website contradicting me only thing I can say is perhaps that is a very recent change as that is not the standard party line since I started over a year ago. Though changes are made every now and then. I'd imagine it's to do with the new 6S and 6S+ release and the fact customer feedback was that nobody wanted to pay the extra for express replacement on top of the $79 or now $99 service fee. I'd imagine looking at the numbers they may have rolled the ERS fee into the service fee now so everyone gets it by default it was not that way before.
I've made similar and smaller claims on my HO with negligible effects on my rates.
AppleCare+
I always get this due to the fact that my homeowners and auto insurance both have high deductibles.
Two years of coverage through AppleCare+ is very important to me, plus the fact that my CC gives me an additional year.
Being an older female, some of the things that are easy for younger people to understand is harder for me to understand. I love the fact that I can call Apple and I am speaking to someone who I can understand, someone who is usually patient and who can help me solve my issue, whether it being over the phone or making a genius appointment. Plus I am supporting jobs in America by Americans.
Thus being said I have 9 family members who have switched to only buying Apple products, they also purchase AppleCare+ for the above mentioned facts.
So, Apple has replaced an iPhone 6+ for me at no cost to me. After having the phone for 6 months it was discovered the vibration didn't work. I only discovered it because one of my relatives had called Apple to find out how the vibration worked, and she then called me to tell me. We discovered mine didn't work. I know my new phone fell under the one year manufacture warranty not AppleCare, but unlike other companies, there were no accusations or finger pointing that I had done something to it. They checked it, they tried it, and the vibration did not work, a new or refurb phone to me.
This is my first post ever, so please be kind. I am just stating my reasons for purchasing and using AppleCare+. Everyone here has their own reasons to either purchase it or not.
I always get this due to the fact that my homeowners and auto insurance both have high deductibles.
Two years of coverage through AppleCare+ is very important to me, plus the fact that my CC gives me an additional year.
Being an older female, some of the things that are easy for younger people to understand is harder for me to understand. I love the fact that I can call Apple and I am speaking to someone who I can understand, someone who is usually patient and who can help me solve my issue, whether it being over the phone or making a genius appointment. Plus I am supporting jobs in America by Americans.
Thus being said I have 9 family members who have switched to only buying Apple products, they also purchase AppleCare+ for the above mentioned facts.
So, Apple has replaced an iPhone 6+ for me at no cost to me. After having the phone for 6 months it was discovered the vibration didn't work. I only discovered it because one of my relatives had called Apple to find out how the vibration worked, and she then called me to tell me. We discovered mine didn't work. I know my new phone fell under the one year manufacture warranty not AppleCare, but unlike other companies, there were no accusations or finger pointing that I had done something to it. They checked it, they tried it, and the vibration did not work, a new or refurb phone to me.
This is my first post ever, so please be kind. I am just stating my reasons for purchasing and using AppleCare+. Everyone here has their own reasons to either purchase it or not.
A case like yours is the exact reason to buy AC+. As for finger pointing it's not something I've been had to do as an advisor. I just say as a disclaimer that should we find physical or liquid damage you will be charged the service fee and use one of your accidental damage instances. Most people understand this and are completely ok with it. Your issue may have been under the warranty but your AC+ saved you $29 for the troubleshooting so it's helping to pay for itself there. Well written post with a we though out reason for you. Well done and thank you for the kind words about the service you were provided.
She had a covered problem (vibration not working) within her one year of AppleCare that already comes free with the device. How on earth was this a case for buying AC+?
Because the limited warranty and AC+ are 2 separate things. the limited warranty only covers manufacturer defects which in her case it was determined it was. AC+ however did save her the $29 pay per incident fee for telephone support as if you're outside of the first 90 days from purchase you will be charged unless you buy AC+ OR your issue falls into an exception and there is a list. Also sometimes an advisor will be nice and waive the fee but we don't have to. So in her case it saved her $29 presuming she was past the 90 day free period. which makes the case for buying AC+ as it's beginning to pay for itself in that regard. As for thinking the limited warranty is AC+ no it's not and it will never be. People that have this mindset are the main reasons why people get stressed in my job. People phone in with just the limited warranty not having actually purchased AC+ and think that the limited 1 year warranty covers drops or accidental liquid damage and then decide to scream and threaten the telephone rep because we tell them no it does not here are the prices. I've had to end a call more than once because of abusive or threatening language by a customer who thought this.
I don't see why. As far as I'm aware, OOW replacement fee is the same regardless of whether or not you get a 6S 16GB or 6S 128GB model.
I used to get AC+ but with the increase in premium and deductible, I've decided to just self-insure. I expect to be buying 4x iPhones and 2x iPads in the next year or so and the amount saved on premiums alone will be enough to pay full price for a brand new replacement for one device.
You sure about that? As far as I know and based on experience, OOW fee depends on the type of device and is the same regardless of capacity. Surely, if OOW fee differs based on capacity, Apple wouldn't willfully post such glaring misinformation on their website:
Depending on what support option you use the price will change and it does vary ever so slightly on capacity not much but it does. The main reason the price may change for an oow repair option is if you choose express replacement because then you have to have enough on your credit card for the hold for the full replacement cost and that will vary widely based on capacity. As that's the most common request in the support channels that's why I stated that. The base price may not change but what you'll end up actually having to have available to get the replacement will based on capacity and model
That's just a hold, though, and not an actual charge. I know the late charge and cover charge also vary based on capacity but that only applies if you don't return the phone on time. As long the old iPhone is returned within 10 business days, OOW fee should be the same regardless of capacity.
I drop collision and comprehensive on auto insurance once the vehicle value drops to $5K. Insuring a rapidly obsolete and depreciating consumer electronics good for ~20% of its initial purchase price just doesn't make much sense to me. If something happens that's not covered by the original manufacturer's warranty, I'll just pay the OOW fee or buy the new model.
I know it's just a hold but most people don't seem to understand that point. Believe me working in the telephone tech support side even clearly explaining that this is NOT going to charged to you people are constantly "oh my god you're going to charge me $600+ for my replacement phone why?" After which I'll patiently reiterate usually 2-3 times that it is NOT a charge it's a hold and once we get your device back we release it but man it gets silly saying that at least 6 times during the call because they don't get it. it's people don't understand how a deposit works on a CC.
I don't doubt that for one second. Financial literacy seems to be quite lacking in the US. I do wonder how many people will jump on the yearly iPhone upgrade bandwagon but not even contribute enough to their 401k to get the employer match.
Agreed. I'm Canadian and I don't mean to offend anyone with my following comments but my statement that you quoted usually only applies to Americans. Canadians for some reason just seem to get it. I guess it's because we have a different way of living and the concept of living on revolving credit that seems prevelant in the US is not so common up here in Canada. I agree with you I'd wonder how many people will get in on the leasing options but not put money away for their retirement. Priorities I guess
I misunderstood. I don't ever use the phone support. I can't imagine ever needing to.