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  1. #71
    jbrady805
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    Re: Asurion cell phone insurance review!

    A contract is a contract


    See More: Asurion cell phone insurance review!




  2. #72
    nicknrm
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    Re: Asurion cell phone insurance review!

    An insurance company is an insurance company.

    I guarantee you're getting better service than the other wireless insurance company, the Signal, that some carriers (U.S. cellular primarily) use. Asurion's approval rating (as a company) is 88%...while Signal's is 45%.

    Also, Asurion is an ACCREDITED BUSINESS...according to the Better Business Bureau. Since the BBB thinks they are wonderful, but you disagree, maybe you should start by filing a complaint there. According to the BBB, this business has received an A+ rating.

    Better Business Bureau-Asurion Insurance Company


    Oh, here's a useful phone number (as quoted below):


    If you are experiencing difficulty in filing a claim please contact Donna Drehmann at
    Last edited by nicknrm; 06-11-2009 at 06:49 PM.
    Send Nick a PM

    I hope you found this post helpful. Choose Like/Thanks, if you did




  3. #73
    jbrady805
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    Re: Asurion cell phone insurance review!

    Your complaint has been assigned case # 37057364



  4. #74
    kek20
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    Re: Asurion cell phone insurance review!

    I am right there with you! I have had to had 2 phones replaced since January of this year. I just found out that if you drop your phone you void the warranty...what the heck where they thinking? It is a phone it will be dropped, they either need to make phones with stand being dropped or it needs to be covered under the warranty seeing how I pay 6.99 a month for the insurance. On top of that I had to spend $25 to get a replacement phone. The one thing that gets me the most is that they shipped it to the wrong address. The guy even repeated the shipping address back to me! HELLO are they really that dumb?



  5. #75
    jbrady805
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    Re: Asurion cell phone insurance review!

    Asurion claimed to change my deductible by notifying me and also said that my move in December of 08 may be the reason I did not receive the notice.

    1. I had a forwarding notice in with post office to receive any notices and
    2. after December 08 I received a card from sprint re-iterating my contract for a $50.00 deductible. This is what I have in writing.

    3. I also have concerns about an insurance company that writes a contract, and after collecting a year of monthly premium payments, they decide to raise the deductible and presumably notify the customer and tell you that your deductible went up and you can keep paying the monthly premiums but now have a higher deductible or what?

    2. cancel the contract and loose the payments made for the previous year ?


    This is a calculated scam.

    Asurion has until July 8 09 to refund my premiums paid. Alternatively I will be taking court action against this company. Asurion needs to provide me with their “Agent of Service address in California”.

    Jeff Brady
    June 17 2009
    2 13 pm PST

    BBB CASE#: 37057364
    Complaint filed by: Jeff Brady (More)
    Consumer Info
    NAME:

    Jeff Brady
    DAY PHONE:

    -
    ADDRESS:


    EVE PHONE:

    -
    EMAIL:


    FAX:

    -
    (Less)
    Complaint filed against: Asurion Insurance Services, Inc. (More)
    Business Info
    NAME:

    Asurion Insurance Services, Inc.
    BBB MEMBER:

    YES
    CONTACT:

    Ms. Jennifer Davie
    ADDRESS:

    648 Grassmere Park Suite 300
    Nashville, TN 37211
    PHONE:

    6



    Case Description: Jeff Brady
    2548 Seahorse Ave.,
    Ventura, Ca 93001

    Asurion - Office of CEO
    PO Box 110656
    Nashville Tennessee
    37222-0856

    June 8, 2009


    I just got off the phone...
    2548 Seahorse Ave.,
    Ventura, Ca 93001

    Asurion - Office of CEO
    PO Box 110656
    Nashville Tennessee
    37222-0856

    June 8, 2009


    I just got off the phone with your representative in the CEO office. I have been trying to contact your company over the phone for over 2 hours now to file a lost phone claim.

    My first attempt was Saturday June 6, 2009 on line. I spent many valuable minutes filling out your on line claim questionnaire only to be advised at the end that my deductible was $100.00.

    My contract calls for a $50.00 deductible on my Sprint Mogul phone with monthly payments of
    $7.00 a month.

    I also have a policy with you on my daughters phone which is also $7.00 a month for a total monthly premium of $14.00 a month.

    When I called your 1 800 584 3666 number this morning it asked me to punch numbers in. I punched the numbers in many times to only have the computer tell me the numbers were wrong an then hung up on me. I called Sprint and advised them of my inability to reach you. They put me on hold for over a minute until they reached a live person with your company which was " Terry".

    Terry advised me that the deductible went up in April to $100.00 and that many notices were sent to me. I asked to speak to a supervisor, I was put on hold again for a lengthy time and then given to " Angie". Angie suggested I ask Sprint for a $50.00 refund. After rehashing the incident with Angie she advised me that because of what I said I was being transferred to the CEO office and if no one answered to "leave a message".

    Your company obviously has a policy of "phone - policy claim deterrence", in other words, make it as hard as possible to reach and speak to some one to file a claim. Your company also has a policy of raising deductibles with out notice to its customers.

    The original contract agreed upon by the parties. I agreed to a $50.00 deductible and q $7.00 a month premium. I did not agree to have my deductible raised, ever, or to be harassed with a claim policy deterrent system.


    You are running a SCAM operation.


    I am cancelling my policies with you and my account with Sprint due to your lack of contract adherence.

    Immediately refund all my policy premiums, a total of $ 140.00, for both phones with in 30 days. Failure to do will result in small claims action against your company.


    I have just completed an internet search on your company and found numerous fraud compalints regartding your buisness practices!

    Jeff Brady (Less)
    Category: Contract Issues
    Case opened date: 06/09/2009
    Case closed date:
    Desired Resolution: refund of $140.00 in premium paid plus $2.00 in postage... (More) refund of $140.00 in premium paid plus $2.00 in postage (Less)

    Download a copy of this complaint so you can print it for your records

    *** You need to respond to this complaint before it can be processed further. Please see below for instructions. ***

    On June 15, 2009, the business provided the following information:
    Contact Name and Title: Linda Konstabel



    Our passion is your peace of mind?

    June 15, 2009

    Jeff Brady
    2548 Seahorse Ave.
    Ventura, CA 93001

    Case #: 37057364

    Dear Mr. Brady:

    In reference to your compliant with the Better Business Bureau, I would like to offer my apology that your experience with Asurion did not meet your expectations.

    The Total Equipment Protection program provides insurance on wireless mobile phones and certain phone accessories to the customers of Sprint PCS. The program is administrated by Asurion Protection Services, LLC and underwritten by Continental Casualty Company (a CNA member company). Under the terms of the program, if a subscriber's wireless phone is lost, stolen or damaged, the subscriber may make a claim by calling Asurion's toll-free telephone number or online at
    On June 10, 2009 you initiated an insurance claim was for a lost cellular phone.

    The claim indicates that you were transferred to a representative from the Office of the CEO when you stated you were unaware of the deductible having been changed to $100.00. Our representative advised you that a letter was mailed to you in January or February.

    According to our records you were mailed two notifications advising you of the change to the policy. The notifications were for cellular phone numbers ending in 3770 and 4764. Our records indicate that they were sent to the address listed above on February 28, 2009.

    Included in the mailing was a copy of the Coverage Certificate. The Coverage Certificate states:

    (VIII.Additional Conditions.O.) ''We retain the right to revise this Certificate at any time and adjust the coverage terms including the premium and the deductible. In the event of any material change in the coverage terms premium or the deductible, you will be provided advance written notice of such changes. You may cancel coverage at any time without penalty, but if you continue to pay premiums after a change in premiums, coverage terms or the deductible, you will be bound by those changes.''

    The changes to the program were to allow those that have low end phones to keep a low premium and not experience a premium or deductible increase for phones that retail three and four times the amount of a low end phone. Thus everyone has a deductible that is applicable to the retail amount of their wireless device.

    We apologize, but we are unable to refund you for the premiums you have paid.

    I will be glad to assist you with the completion of your claim if you are interested in paying the required $100.00 deductible.

    Please feel free to contact me if you have any questions.

    Sincerely,


    Linda Konstabel
    Senior Compliance Coordinator - Legal
    Asurion Insurance Services

    Re: Asurion cell phone insurance review!
    Asurion claimed to change my deductible by notifying me and also said that my move in December of 08 may be the reason I did not receive the notice.

    1. I had a forwarding notice in with post office to receive any notices and
    2. after December 08 I received a card from sprint re-iterating my contract for a $50.00 deductible. This is what I have in writing.

    3. I also have concerns about an insurance company that writes a contract, and after collecting a year of monthly premium payments, they decide to raise the deductible and presumably notify the customer and tell you that your deductible went up and you can keep paying the monthly premiums but now have a higher deductible or what?

    2. cancel the contract and loose the payments made for the previous year ?


    This is a calculated scam.

    Asurion has until July 8 09 to refund my premiums paid. Alternatively I will be taking court action against this company. Asurion needs to provide me with their “Agent of Service address in California”.

    Jeff Brady
    June 17 2009
    2 13 pm PST

    BBB CASE#: 37057364
    Complaint filed by: Jeff Brady (More)
    Consumer Info
    NAME:

    Jeff Brady
    DAY PHONE:

    -
    ADDRESS:


    EVE PHONE:

    -
    EMAIL:


    FAX:

    -
    (Less)
    Complaint filed against: Asurion Insurance Services, Inc. (More)
    Business Info
    NAME:

    Asurion Insurance Services, Inc.
    BBB MEMBER:

    YES
    CONTACT:

    Ms. Jennifer Davie
    ADDRESS:

    648 Grassmere Park Suite 300
    Nashville, TN 37211
    PHONE:

    6



    Case Description: Jeff Brady
    2548 Seahorse Ave.,
    Ventura, Ca 93001

    Asurion - Office of CEO
    PO Box 110656
    Nashville Tennessee
    37222-0856

    June 8, 2009


    I just got off the phone...
    2548 Seahorse Ave.,
    Ventura, Ca 93001

    Asurion - Office of CEO
    PO Box 110656
    Nashville Tennessee
    37222-0856

    June 8, 2009


    I just got off the phone with your representative in the CEO office. I have been trying to contact your company over the phone for over 2 hours now to file a lost phone claim.

    My first attempt was Saturday June 6, 2009 on line. I spent many valuable minutes filling out your on line claim questionnaire only to be advised at the end that my deductible was $100.00.

    My contract calls for a $50.00 deductible on my Sprint Mogul phone with monthly payments of
    $7.00 a month.

    I also have a policy with you on my daughters phone which is also $7.00 a month for a total monthly premium of $14.00 a month.

    When I called your 1 800 584 3666 number this morning it asked me to punch numbers in. I punched the numbers in many times to only have the computer tell me the numbers were wrong an then hung up on me. I called Sprint and advised them of my inability to reach you. They put me on hold for over a minute until they reached a live person with your company which was " Terry".

    Terry advised me that the deductible went up in April to $100.00 and that many notices were sent to me. I asked to speak to a supervisor, I was put on hold again for a lengthy time and then given to " Angie". Angie suggested I ask Sprint for a $50.00 refund. After rehashing the incident with Angie she advised me that because of what I said I was being transferred to the CEO office and if no one answered to "leave a message".

    Your company obviously has a policy of "phone - policy claim deterrence", in other words, make it as hard as possible to reach and speak to some one to file a claim. Your company also has a policy of raising deductibles with out notice to its customers.

    The original contract agreed upon by the parties. I agreed to a $50.00 deductible and q $7.00 a month premium. I did not agree to have my deductible raised, ever, or to be harassed with a claim policy deterrent system.


    You are running a SCAM operation.


    I am cancelling my policies with you and my account with Sprint due to your lack of contract adherence.

    Immediately refund all my policy premiums, a total of $ 140.00, for both phones with in 30 days. Failure to do will result in small claims action against your company.


    I have just completed an internet search on your company and found numerous fraud compalints regartding your buisness practices!

    Jeff Brady (Less)
    Category: Contract Issues
    Case opened date: 06/09/2009
    Case closed date:
    Desired Resolution: refund of $140.00 in premium paid plus $2.00 in postage... (More) refund of $140.00 in premium paid plus $2.00 in postage (Less)

    Download a copy of this complaint so you can print it for your records

    *** You need to respond to this complaint before it can be processed further. Please see below for instructions. ***

    On June 15, 2009, the business provided the following information:
    Contact Name and Title: Linda Konstabel



    Our passion is your peace of mind?

    June 15, 2009

    Jeff Brady
    2548 Seahorse Ave.
    Ventura, CA 93001

    Case #: 37057364

    Dear Mr. Brady:

    In reference to your compliant with the Better Business Bureau, I would like to offer my apology that your experience with Asurion did not meet your expectations.

    The Total Equipment Protection program provides insurance on wireless mobile phones and certain phone accessories to the customers of Sprint PCS. The program is administrated by Asurion Protection Services, LLC and underwritten by Continental Casualty Company (a CNA member company). Under the terms of the program, if a subscriber's wireless phone is lost, stolen or damaged, the subscriber may make a claim by calling Asurion's toll-free telephone number or online at
    On June 10, 2009 you initiated an insurance claim was for a lost cellular phone.

    The claim indicates that you were transferred to a representative from the Office of the CEO when you stated you were unaware of the deductible having been changed to $100.00. Our representative advised you that a letter was mailed to you in January or February.

    According to our records you were mailed two notifications advising you of the change to the policy. The notifications were for cellular phone numbers ending in 3770 and 4764. Our records indicate that they were sent to the address listed above on February 28, 2009.

    Included in the mailing was a copy of the Coverage Certificate. The Coverage Certificate states:

    (VIII.Additional Conditions.O.) ''We retain the right to revise this Certificate at any time and adjust the coverage terms including the premium and the deductible. In the event of any material change in the coverage terms premium or the deductible, you will be provided advance written notice of such changes. You may cancel coverage at any time without penalty, but if you continue to pay premiums after a change in premiums, coverage terms or the deductible, you will be bound by those changes.''

    The changes to the program were to allow those that have low end phones to keep a low premium and not experience a premium or deductible increase for phones that retail three and four times the amount of a low end phone. Thus everyone has a deductible that is applicable to the retail amount of their wireless device.

    We apologize, but we are unable to refund you for the premiums you have paid.

    I will be glad to assist you with the completion of your claim if you are interested in paying the required $100.00 deductible.

    Please feel free to contact me if you have any questions.

    Sincerely,


    Linda Konstabel
    Senior Compliance Coordinator - Legal
    Asurion Insurance Services
    Last edited by jbrady805; 06-17-2009 at 06:55 PM. Reason: Auto-merged Double post



  6. #76
    nicknrm
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    Re: Asurion cell phone insurance review!

    You might want to read all the little fine print on both the Sprint PCS contract and the Asurion contract.

    Here's just a small piece of what they both say (this is just a general statement copied from Asurion. Sprint PCS WILL have the same or similar policy):

    All disputes will be handled through the company in which your paying service to. You agree to hereby bring all disputes to our attention and handle them in our departments. You must provide a 80 day notice if you wish to take a dispute outside of our company or the affiliates there of. Your written request must be approved prior to your action.
    That being said, it will be VERY difficult to successfully take them to Court.

    Also, in response to your change of address...the post office is not very good at this. I moved a year ago and still only get about half of my mail. It's not a reliable system and it is YOUR responsibility that this information gets to you, not theirs. They DID NOT tell you to move.

    Added: I would also like to point out that you're not the only one effected. I just spoke with my wireless carrier...it is an across the board rate increase. I'm effected as well.

    Last edited by nicknrm; 06-17-2009 at 07:49 PM. Reason: Added info.
    Send Nick a PM

    I hope you found this post helpful. Choose Like/Thanks, if you did




  7. #77
    nemendez
    nemendez is offline
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    Posts
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    Re: Asurion cell phone insurance review!

    Quote Originally Posted by angry View Post
    Asurion cell phone insurance is a rip off....Dont get it.....I have Verizon and was offered Asurion insurance on my cell phone in case my phone broke, or was stolen, etc. Anyway I think the service is a total rip off....Dont get it and I will tell you why.....

    1) Cost of Asurion insurance.....$5.00 a month.

    2) If you make a claim they make you pay $50.00

    3) Once you do a claim and you get a new phone you must send back your old phone (with the battery) within 15 days or they can charge you up to $300.00.

    4) The customer service sucks.

    Now let me explain this better for you.....lets say your cell phone craps out 14 months into your plan...14 months x $5.00 a month equals...$70.00. Now $70.00 plus the $50.00 fee they charge you equals $120.00. Thats almost as much as a new phone already. But wait.....

    Dont forget you gotta send your old broken phone back in with the battery...It does not take a moron to realized that they referbish the old phones and put new cheap plastic housings on the phones and resell em. Probably the batteries too. How much do ya think the old cell phone is worth to the refurbish company....? $15, $25?, $40? While they resell it for probably at least $90 to $175. Which you originally paid $150.00 for.

    Oh and dont forget to send in that old phone, if you dont, thats an extra $300.00

    And lastly, the customer service sucks.....Oh the reps you talk to are very nice dont get me wrong, but I was disconnected once, put on hold several times....Told the wrong information.....(Guy told me that the $50.00 went towards extra months on your Asurion insurance plan, next person I talked to said that was not true and it was just a service fee)

    So all and all you end up paying about $150.00 for your new phone, while they turn around fix the old one and resell your phone as a new or refurbished one (I am only guessing about this but is probably the case).....If your phone does not break for longer....You end up paying even more. Worst case senario you forget to send in your broken phone and could end up paying like $450.00.

    The only good things about this service is that you pay no shipping costs, Or did I? and I got a new phone by the next day.

    I thought insurance was suppost to help your wallet, not not burn a hole in it. Its an Assurance, that youll be getting scammed with Asurion insurance.

    I don't think you really know what you're talking about. I've had to deal with Asurion once before and their service was great. Do you know how insurance works? Why are you complaining about a measly extra $5 on your bill when a huge chunk of your paycheck is removed for health, dental etc. No service is without a fee and I would definitely rather pay the $50 premium than re-buy my $300 phone. As far as your misleading comments about switching the face plate and selling refurbished phones, you are completely wrong. My LG came in brand new packaging with the shrink wrap still on it. It was actually a tad bit nicer than the one that had gotten broken since they had upgraded the model and dropped the price a bit. They try to make sure they get as close to the same one as possible.
    Also, this company covers for WATER DAMAGE! That to me is amazing because so many insurance plans are void the minute liquid is mentioned.

    Next time check your source. Sorry you had a bad experience but don't go trashing a company that does a lot of good to save you money on a new phone because you're a miser about $5 a month.



  8. #78
    oldturk
    oldturk is offline
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    Posts
    2

    Re: Asurion cell phone insurance review!

    Asurion sucks. Don't insure with them It is a ripoff. I lost my Blackberry and after paying my $50.00 deductible, I had a replacement the next day. However it couldn't be activated because it was under a fraud investigation. After several days, I received yet another replacement phone which also couldn't be activated because it was tied to a fraud investigation. Thankfully my local Verizon store is working to help resolve this whole mess. It is now three weeks, they have my $50.00 and I am still without a phone. Their representatives don't know squat and you have to go to a supervisor to find someone half way intelligent and they are still no help. And the last one I talked to blamed me for their own incompetence and hung up on me.. The best insurance is to be careful with your phone. I will never spend another dime with Asurion.



  9. #79
    famguy74
    famguy74 is offline
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    Posts
    4

    Re: Asurion cell phone insurance review!

    If you didnt have this service u wouldnt have 2 pay full retail price,
    thers another way 2 do it

    1. Cancel ur line ($100-$150)
    2. Add a line ($10)
    3. Buy ur new phone at 2 year contract price (free-$200)

    This is cheaper then buying the phone at full retail price but the cost is still pretty high ($210-$360) But its cheaper then paying up to $700 for a new phone.

    I broke my voyager a week ago and I was about to file a claim but now im not sure if the service is good or not. Is it possible to get a versa if i file a claim (I want tht fone)



  10. #80
    nicknrm
    nicknrm is offline
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    Re: Asurion cell phone insurance review!

    Red between the quote, I responded in blue there.

    Quote Originally Posted by famguy74 View Post
    If you didnt have this service u wouldnt have 2 pay full retail price,
    thers another way 2 do it

    1. Cancel ur line ($100-$150)
    2. Add a line ($10)
    3. Buy ur new phone at 2 year contract price (free-$200)

    This is cheaper then buying the phone at full retail price but the cost is still pretty high ($210-$360) But its cheaper then paying up to $700 for a new phone.

    The method you mentioned may be successful; however, the customer would then lose their current mobile number and possibly some other features.

    I broke my voyager a week ago and I was about to file a claim but now im not sure if the service is good or not. Is it possible to get a versa if i file a claim (I want tht fone)

    You must get the same phone. If they do not have the Voyager in stock, you are required to accept a device of equal or lesser value of their choice.
    Send Nick a PM

    I hope you found this post helpful. Choose Like/Thanks, if you did




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