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  1. #1
    frustraited
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    Verizon Wireless
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    According to their phone messaging system, the best way to file a claim is with their web site service. Well, I dutifully went to their website and answered all of their questions. Then I got to a text field to enter what the problem actually is. I enter it is locking up and in-order to get it to work I have to either re-boot it (I have a pocket pc) or remove the battery and put it back in. After I submitted the text response it did the please wait processing thing for like 15 seconds then proceeded to tell me my claim was denied. NOBODY even reviewed my problem it was just simply denied. I am wondering if the website just simply denies all claims.
    Then I go to review the insurance pamphlet Now, according pamphlet this is the list of things they do not cover: Wear, Deterioration, Laten Defect, Electrical and Mechanical Breakdown, Cosmetic Damage or anything that would be covered under warranty. The cover says Wireless Phone Protection from Loss Theft Damage. What damage is covered then exactly??? I feel this is misleading because they say on the cover damage is covered then proceed to exclude all damages that could happen. As far as I can tell my phone would only be covered if it were lost or stolen.
    Some other reviews have *****ed out exactly how much this plan costs. I have had the insurance plan for 4 years that comes out to $240 in monthly charges, at $5.00 a month. Add the $50 for replacement assuming they actually covered anything decides loss or theft. We definitely would have been better off going without and simply purchasing a new phone. Or adding to our contract to get a new free phone. The $240 spent on the insurance would have covered the cost of purchasing a new phone without having to extend our contract.
    So I enter this so as to warn others not to waist their money or time on this insurance, unless you think you are risk of having your phone stolen or loosing it.



    See More: Asurion Cell Phone Insurance is a Rip Off!
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  2. #2
    spiffy
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    Samsung Katalyst-SGH-T739
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    Re: Asurion Cell Phone Insurance is a Rip Off!

    I agree. My samsung screen went blank. I sent it back and for $40 they sent a new (refurbished) one to the wrong address. Then after I drove to pick it up it did not work either. I sent it back, but had to give them my credit card info and drive to a T mobile store for a loaner because I would have 2 phones in transit at the same time. The third one I got worked, but the charger port was stiff. After a month it stopped working. I called from a store (after they figured out it was the phone and not me or the charger.) Asurion said that I would have to pay another deductible because it did not break in 1 week and so it was mechanical and they dont cover it. Give me a break! The girl in the store got on the phone and explained what she saw, I also talked to the manager who could of cared less. Her reply was that i could send it back and if it was mechanical they would charge me 100 for the repalcement. The thing is that eventually no one will buy their insurance from ASSurion because it is a rip off and they will be SOL. I personally will go on every site I can and tell everyone I know how they REALLY work. Being jerks only works so long and then you lose. I hope everyone that participates in their scam gets it back 3 fold from a rip off credit card company caue that is exactly what they deserve.
    Last edited by spiffy; 12-24-2008 at 10:34 PM. Reason: spell
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  3. #3
    Yulie
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    Re: Asurion Cell Phone Insurance is a Rip Off!

    I have been your customer for over three years and have paid monthly for insurance through Asurion.

    In October 2008, I filed a claim with your company and promptly received a replacement phone. I was very satisfied with the level of service and speed. However; after three months, my replacement phone is damaged with the same problem as my original phone (I can only hear
    a call using the speaker on my phone).

    I called Asurion today, January 28, 2009, to report this damage and was informed I would need to return my phone and wait a period of 5-7 days for it to be fixed. I do not understand why Asurion does not ship me a new phone so that I am not left without a phone for such a long period of time.


    Due to this level of service, I have decided to cancel my monthly insurance

    I am very unhappy and dissatisfied with Asurion

    I do not recommend this company insurance.
    Mish5 likes this.



  4. #4
    jbrady805
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    Re: Asurion Cell Phone Insurance is a Rip Off!

    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
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  5. #5
    dmpro1
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    Re: Asurion Cell Phone Insurance is a Rip Off!

    Yes I must agree, paid $100 for my son's phone because it was an upgrade, I got it cheaper. At the verizon store the agent asked did I want to continue the Asurion insurance, I debated and he reminded me it would be only $50 to replace the phone if needed, that was 3 months ago. I called to make a claim and was told it would be $89 because we had upgraded to a pda phone. This long story short is that if your like most people and get your phones because of an upgrade a good price and that price is not over $200, between paying $6 a month ($72 a year) and the replacement cost to Asurion being $89 totally $161 in one year. So at the 1st year mark you at $161, if it needs to be replaced,you could pay for the darn thing yourself, in fact in my case with just the $89 and a few months insurance fee, I could of just bought he kid another phone and would not have been on the phone with these companies for an hour today. I am convinced my husband is right, that Consumer Reports says buy no insurance for any product.VERY IMPORTANT I MENTION VERIZON OFFERED ME A 10% ON MY BILL FOR 6 MONTHS WHICH WILL COVER THIS DIFFERENCE OF THE $89 I HAD TO PAY ASURION, FROM THE $50 I WAS TOLD I WOULD HAVE TO PAY.(4 phone calls later)



  6. #6
    aisemp
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    Quit Complaining!!

    I think that all of the complaints in the past posts are just stupid! Insurance is insurance! Your car insurance is the same thing, monthly payments and a deb. to help cover the cost of the phone. Also all of the phone companies and everything send out reman. phones for warrenty replacements. If we didn't you would be paying much more for the insurance. Also as far as you saying that nothing is covered but loss or stolen phones is dumb! You would also complain more if your phone was covered under the warrenty and we made you pay for it anyway. You people need to start reading the info that you are given and stop thinking that you can get what ever you want for free!
    Mish5 likes this.



  7. #7
    tbaker
    tbaker is offline
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    Re: Asurion Cell Phone Insurance is a Rip Off!

    thats whats to expect from insurance companies.



  8. #8
    LMahady
    LMahady is offline
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    3

    Re: Asurion Cell Phone Insurance is a Rip Off!

    Insurance is insurance, this is a scam! The phone I have can be purchased for $100 new, $50 used (the price of my "deductible")

    The way I see it, these guys are not an insurance company, they are a repair shop that is SELLING the damaged phones that customers HAVE to send back to them! They call the selling price a "deductible". No different than a direct marketing list being sold by a magazine, except the customer is paying $5/mo for the listing!

    I would assume that the manufacturers of these phone would be upset because they're the ones getting a bad reputation when these refurbed phones don't perform! Mine is already freezing up on me after one day of use!

    My main beef is with AT&T for false statements by salesperson. We were clearly & concisely told at AT&T store "there is NO deductible" and "you get a NEW phone".

    Luckily I only paid for this "insurance" for a month. That at least saved me money on shipping!



  9. #9
    Mish5
    Mish5 is offline
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    Re: Quit Complaining!!

    Quote Originally Posted by aisemp View Post
    I think that all of the complaints in the past posts are just stupid! Insurance is insurance! Your car insurance is the same thing, monthly payments and a deb. to help cover the cost of the phone. Also all of the phone companies and everything send out reman. phones for warrenty replacements. If we didn't you would be paying much more for the insurance. Also as far as you saying that nothing is covered but loss or stolen phones is dumb! You would also complain more if your phone was covered under the warrenty and we made you pay for it anyway. You people need to start reading the info that you are given and stop thinking that you can get what ever you want for free!
    Shouldn't they know what kind of phone they so called insured for you? They dont know, the customer service rep knew nothing about our phones, I asked her and another SO CALLED REP, They had no answer. My car insurance company knows what kind of car I drive and what to replace it with due to any" accidents", Shouldn't all insurance companies know that kind of information? PS they say they send the customer a" welcome letter" (after you sign on), detailing the costs etc. But I guess all the 200 complaints are just blowing smoke, sorry if you dont agree, we all seem to agree on this SCAM!



  10. #10
    Bobby Vogel
    Bobby Vogel is offline
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    1

    Re: Asurion Cell Phone Insurance is a Rip Off!

    Quote Originally Posted by frustraited View Post

    According to their phone messaging system, the best way to file a claim is with their web site service. Well, I dutifully went to their website and answered all of their questions. Then I got to a text field to enter what the problem actually is. I enter it is locking up and in-order to get it to work I have to either re-boot it (I have a pocket pc) or remove the battery and put it back in. After I submitted the text response it did the please wait processing thing for like 15 seconds then proceeded to tell me my claim was denied. NOBODY even reviewed my problem it was just simply denied. I am wondering if the website just simply denies all claims.
    Then I go to review the insurance pamphlet Now, according pamphlet this is the list of things they do not cover: Wear, Deterioration, Laten Defect, Electrical and Mechanical Breakdown, Cosmetic Damage or anything that would be covered under warranty. The cover says Wireless Phone Protection from Loss Theft Damage. What damage is covered then exactly??? I feel this is misleading because they say on the cover damage is covered then proceed to exclude all damages that could happen. As far as I can tell my phone would only be covered if it were lost or stolen.
    Some other reviews have *****ed out exactly how much this plan costs. I have had the insurance plan for 4 years that comes out to $240 in monthly charges, at $5.00 a month. Add the $50 for replacement assuming they actually covered anything decides loss or theft. We definitely would have been better off going without and simply purchasing a new phone. Or adding to our contract to get a new free phone. The $240 spent on the insurance would have covered the cost of purchasing a new phone without having to extend our contract.
    So I enter this so as to warn others not to waist their money or time on this insurance, unless you think you are risk of having your phone stolen or loosing it.
    I would have to agree with you. Last December we upgraded my wifes phone and of course we purchased insurance. She dropped the phone and slightly cracked the plastic surface causing the phone to be inoperable. The Azurion insurance wants $50 to replace or fix the phone. So what do we pay $5.00/mo for? We're just throwing our $ away. Locked into a 2 year contract we're paying 4 a dead horse for the next 18 months. I donated the 3 month old phone in front of the rep and removed the insurance. Told her that when our contracts are up we switch providers on the 3 phones. Thats over $2800/year....not a smart move or policy on Verizons part. Been there for 25 years. Over $50......I just will not pay it on principle. I encourage others to totally boycott the insurance programs any of the providers charge and switch providers if they don't replace the phone. Bobby



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