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.
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