Why would you get Apple Care over insurance?

Discussion in 'iPhone' started by 4ppleg1rl, Sep 27, 2017.

  1. 4ppleg1rl, Sep 27, 2017
    Last edited: Sep 27, 2017

    4ppleg1rl macrumors regular

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    Aug 29, 2017
    #1
    What's the difference? Aside from a) the price and b) Apple Care is from Apple so it's 'legit'??

    I've never bought Apple Care, nor have I ever needed it... I got insurance for my iPhone 8+ just because of theft/loss.

    But yeah, I don't understand why people would get Apple Care over insurance, when insurance is likely to be cheaper? Or am I missing something!?


    OKAY I GET IT. THE US HAS ISSUES WITH INSURANCE. CAN I HEAR SOME BRIT RESPONSES NOW PLS?
     
  2. Winterfibre macrumors regular

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    Nov 30, 2016
    #2
    Mine is covered in the house insurance, accidental damage as well. Zero excess.
     
  3. 4ppleg1rl thread starter macrumors regular

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    Aug 29, 2017
    #3
    Well aren't you lucky.

    (I think mine is covered under home insurance too, but only theft from burglary, and not if you're out of the house. Also it doesn't cover loss!)
     
  4. eyoungren macrumors Core

    eyoungren

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    #4
    Because insurance has a deductible and depending on your phone it can be in the range of $200-350.

    Need a screen replacement or phone replacement under AC+? $99.

    Which would you rather pay?
     
  5. 4ppleg1rl thread starter macrumors regular

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    #5
    Oh well I've never seen an excess of more than £100 in the UK.. My insurance excess for screen replacement is £50 ... Insurance must be different in the US/other countries.
     
  6. eyoungren macrumors Core

    eyoungren

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    #6
    Typically carrier insurance is billed monthly to your account in the US. On the order of $10-15 or so.

    But carrier insurance has the typical deductible as I mentioned.

    You can get insurance from other places. The deductible may vary. You can also get insurance from your credit card.

    The issue with anything other than carrier insurance is that it's actually a reimbursement. You pay the full cost of replacement or repairs and then you are reimbursed.

    That can be costly if you don't have a lot of money to spare.
     
  7. Jacoblee23 macrumors 65816

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    Nov 10, 2011
    #7
    The only reason I use carrier insurance over AppleCare is AppleCare doesn’t cover if it’s lost or stolen. For everything else AppleCare is a better deal.
     
  8. 4ppleg1rl thread starter macrumors regular

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    #8
    Oh okay, that sounds awful.

    I don't know about carrier insurance in the UK, I've never had it but I don't think you have to pay and they reimburse, I think you just send in the phone and they fix it? Not sure though!

    With my insurance, I can just send the phone to the company and they'll fix / replace it and send it back. Only issue is waiting a few days to get it back, but I have backup phones so it's fine!

    Now I'm curious to hear views from the UK about Applecare vs Insurance. It does sound like you guys in the US have quite a big distinction between the two!
     
  9. B.A.T macrumors 6502a

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    #9
    I had a problem with my iPhone 5 and Apple gave me a new phone right on the spot. That allowed me to keep my phone for an extra year. It's worth it in my book.
     
  10. Scarlet Siren macrumors regular

    Scarlet Siren

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    Edinburgh
    #10
    I've had two instances where I've had to claim insurance, once for theft, the other for accidental damaged. Both were replaced within 1 working day by my bank.
     
  11. 4ppleg1rl thread starter macrumors regular

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    Aug 29, 2017
    #11
    And you can't do that with insurance because....
     
  12. yanksfan114 macrumors 6502

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    Jul 30, 2011
    #12
    Screen replacement is actually only $29 under Apple Care +
     
  13. chabig macrumors 603

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    #13
    He's paying for it. He just doesn't know it.
     
  14. Winterfibre macrumors regular

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    #14
    whats that suppose to mean?
     
  15. chabig macrumors 603

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    #15
    It's great that you have good insurance, but your coverage for accidental damage with zero deductible isn't free. The price is included in the cost of your insurance.
     
  16. PBz macrumors 68020

    PBz

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    #16
    I have had much better experience working with Apple than carriers or insurance companies. I had a 7+ stolen by a Hertz employee and had purchased the PEC insurance. Not only was it impossible to get in touch with a human (I got VERY creative and it worked) but it took 6 months and I had ALL the documentation required (police report, files, receipts, etc). In fact, my PEC was denied due to agent saying mobile devices not covered... then I sent them THEIR OWN link proving it was..

    I got my $ but it took about $500 of my time if I billed my hourly rate...
     
  17. takeshi74 macrumors 601

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    Feb 9, 2011
    #17
    It's up to each to compare any set of options and determine which one is the best fit for the individual. Neither is universally best. Some will go with insurance. Some will go with Applecare. Coverages may differ, pricing may differ, etc. Not all insurance is the same.

    I personally prefer dealing with Apple versus 3rd parties.

    Ask your insurance provider. You said this earlier in the thread:
     
  18. rui no onna macrumors 603

    rui no onna

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    Oct 25, 2013
    #18
    In the US, have to get the replacement device from carrier insurance if you choose carrier insurance. The replacement device can be used or 3rd party refurb so possibly no Apple warranty. Coupled with the high deductible, it's just as expensive as buying a new phone after a year if the device is ever lost/stolen.

    Dealing with Apple is a lot easier.
     
  19. Teddysjam macrumors regular

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    Jul 19, 2014
    #19
    I've never had apple care just use my provider insurance main reason is theft never need a screen replacement or any other issues knock on wood. But I've had my phone stolen once and lost it once. I believe if their was an Apple Store in my area I might try apple care would love to just walk in a store and get assistance and get fixed on spot.
     
  20. Benny_G macrumors member

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    Sep 22, 2015
    #20
    Im from UK and I dont understand it either. I have never damaged a phone or needed a replacement. Its also covered under my home insurance too. I have just asked about the upgrade program with apple, and you CANNOT join the yearly upgrade option without apple care!
     
  21. 4ppleg1rl thread starter macrumors regular

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    Aug 29, 2017
    #21
    I don't really understand the upgrade program tbh. I mean, I usually just go in and buy my phone and give them my old phone (cos I'm too lazy to sell it) the money goes towards the new phone. No program necessary?

    But yeah I haven't damaged my phone either, I just need the insurance for theft/loss!
     
  22. Benny_G macrumors member

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    Sep 22, 2015
    #22
    Trouble is for me, both mine and the other halfs contracts are up at the same time. Dropping 2k on two phones just isn't viable.

    We are both quite heavy users so tend to find towards around a year and half into a 2 year carrier contract our phones start lagging a bit in the battery department. So we both ideally would like to join the yearly upgrade program.

    We've both at the moment got 6s Plus's 128GB which have lasted us 2 years without a scratch (only battery being a bit poor now) so I dont see the need to pay for an insurance I dont need.
     
  23. 4ppleg1rl thread starter macrumors regular

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    Aug 29, 2017
    #23
    Ah yeah if you don't have the money upfront to buy it, that makes sense! DUH. I'm a bit dim sometimes.

    What happens if you lose your phones or if someone steals them and you don't have insurance?
     
  24. Benny_G macrumors member

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    Sep 22, 2015
    #24
    I do have the money, but Id rather keep it for other stuff, just can't justify it on two phones lol.

    In terms of theft, or lost scenario, its covered under my house insurance, same as my MBPr (even though its a work supplied one, its for piece of mind as its at home nights & weekends)
     
  25. Cryates macrumors 68020

    Cryates

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