It's like when carriers say "unlimited texts" and then in the fine print it says something like "based on normal usage" or "up to 1 000 texts per day". It's unlimited in the sense that no normal person would ever be limited, not in the word's full meaning.
For instance, unlimited calls is per definition impossible since the it's measured in time and the time between two invoices is limited. But no one would ever say "they don't offer unlimited calls" due to that. See what I mean?
You're not getting it though. They're not saying they limit it to one claim, they say that under certain circumstances multiple claims during the policy period may be ground for cancellation.
They might cancel it after the second time you "drop it from a bridge", or if you get "robbed" five days a week, and two times a day on weekends.
AppleCare+ only covers damages that you can prove (trade in the old, busted up one for a new, they're gonna be able to make some money out of the parts that can be salvaged), and won't cover phones that you dropped from the boat that you weren't able to get back, so they can afford having a lower price and offer two exchanges at 50 bucks a pop with no questions asked.
An insurance that covers phones that's gone missing is a completely different game, with obvious and inherent higher costs which means that someone that purchases their insurance and never shows anything other than proof of purchase will be scrutinised and might have their policy cancelled.
As I said, if you're looking for an insurance company that doesn't cover its back in this manner - you'll most likely have to look for a very long time. If not, please let me know the name of it
It's not though, it's just different wording. My home insurance for instance (which is called a fire insurance by the way, despite it covering most things) states it only covers theft if it's committed in the home where I reside... I called my insurance company and asked them what the heck was going on, and was told that in "insurance lingo", if I have my phone (a part of my home) in my pocket, it's in transit from my house, to my house, and considered being in the house, so I'd be reimbursed if I was robbed. Very strange, I reckon they could just say you're insured against theft, full stop
Yes, which one of them doesn't cover its back in a similar manner? Apple does it by not covering theft and demanding that you hand in the broken phone in order to get a new one, Worth Ave does it by stating multiple claims might entail the cancellation of the insurance.
Can you name an insurance company that covers theft or completely lost phones that doesn't have small print stating direct or indirect that they might cancel or refuse the insurance the way Worth Ave is doing? Then I'll name a company that's being taken for everything they have by scammers
It's not though, it's just different wording. My home insurance for instance (which is called a fire insurance by the way, despite it covering most things) states it only covers theft if it's committed in the home where I reside... I called my insurance company and asked them what the heck was going on, and was told that in "insurance lingo", if I have my phone (a part of my home) in my pocket, it's in transit from my house, to my house, and considered being in the house, so I'd be reimbursed if I was robbed. Very strange, I reckon they could just say you're insured against theft, full stop
Nope, it's just "fire insurance". It's not in English though, my guess it's just what home insurances are called here...
How do you come to that conclusion? There are insurances that doesn't cover theft, only things stolen from your house during a break in, unless you add an option to it. So I don't agree with you that it's that obvious...
I know I'm repeating myself, but could you name me a company that doesn't? Reserving the right to cancelling policies when suspecting foul play or assuming a client is going to cost more than the expected risk is standard practice, nothing shocking...
No, insurances and gift cards are not comparable in that sense.
With what, cancelling policies if they suspect foul play?
No matter the difference in price, AppleCare+ will give you nothing what so ever if the phone is missing (due to theft, dropped it from a bridge when snapping a cute selfie, got eaten by a bear...). One guaranteed claim is still better than zero
If there is no specification other than something like "one claim per policy period might be considered reason enough to cancel the policy" in the contract and a representative for the company tells you "if we're talking busted up screens, there is a limit of three per policy period" or "the one claim limit doesn't apply when you have the broken phone in your possession" - you've got the right to at least three claims of busted up screens (if you can prove it, by either having recorded the call or saved the e-mail).
If you have any questions or issues yourself, I would be more than willing to hear you out. Again, PM please.