 dirtyjefferAnons on ignore, but not due to fear.Premium
join:2002-02-21
London, ON | reply to zaedas99
Re: Warranty covering my nexus 4 you will need to read your cardholder agreement to see if your card carries an extended warranty option...many premium cards do (don't necessarily have to have an annual fee)...if you need to make a claim, in most cases, you contact the credit card company, register the claim, and you would then go to a store and either pay for the repair or replace the item...you then notify the credit card company, and they will issue you a credit for the value of said purchase...it is a pretty decent process, but does take some time and legwork to do.
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People sleep peaceably in their beds at night only because rough men stand ready to do violence on their behalf.
- George Orwell |
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dirtyjefferAnons on ignore, but not due to fear.Premium
join:2002-02-21
London, ON | reply to FiReSTaRT
said by FiReSTaRT:said by elwoodblues:What do they say, a fool and his money are easily parted?
I wouldn't go that far, but so far, I haven't bought a single item for which the extended warranty would have made sense. Extended warranties and overpriced accessories are ways for retailers to stay afloat while racing to the bottom with big ticket item pricing. that's been your experience...mine has been very different.
i purchased a $90 warranty on flat top stove we bought several years ago...i had it repaired 3 times over 5 years...a thermostat once and the main board twice...the basic repair was $150, but both main board repairs were about $450 each...none of which we paid for, as we had the extended warranty...my plasma TV was having some issues a couple of years ago and it too had its main board replaced...it was about $750 for that repair, but covered under my extended warranty, which was about $200...while there has been items i haven't used it on, i have used it on a fair number of items.
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People sleep peaceably in their beds at night only because rough men stand ready to do violence on their behalf.
- George Orwell |
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 elwoodbluesElwood BluesPremium
join:2006-08-30
HarperLand | That tells me you a) bought several lemons or b) bought such a pieces of junk that the extended warranty was required |
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dirtyjefferAnons on ignore, but not due to fear.Premium
join:2002-02-21
London, ON | said by elwoodblues:That tells me you a) bought several lemons or b) bought such a pieces of junk that the extended warranty was required
lemons perhaps...i don't buy junk. |
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 corsterPremium
join:2002-02-23
Gatineau, QC
 ·TekSavvy Cable
| reply to dirtyjeffer
said by dirtyjeffer:i often purchase extended warranties, but this isn't a very good one for $120...if you have a credit card with protection coverage on it, just use that.
Just remember that credit card warranties generally only cover you up to the amount charged on the card - for most people, in the case of cell phones, this means they'll only cover up to the $100 or so you paid for the phone, not the replacement value. |
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dirtyjefferAnons on ignore, but not due to fear.Premium
join:2002-02-21
London, ON | said by corster:Just remember that credit card warranties generally only cover you up to the amount charged on the card - for most people, in the case of cell phones, this means they'll only cover up to the $100 or so you paid for the phone, not the replacement value.
correct...if you paid $100 for the phone on a 3 year contract, but the regular price is $500, they will only cover you for the $100.
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People sleep peaceably in their beds at night only because rough men stand ready to do violence on their behalf.
- George Orwell |
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Reviews:
 ·Velcom
| DJ, I guess you had pretty unique experience.. Those extended warranties are so profitable for the retailers that they can afford to maintain very slim margins on the actual items. So far I've never even had to rely on the manufacturer's warranty and I can honestly say that I've never bought an item for which the extended warranty would have made financial sense. Ok, there was one fridge, but it had more to do with the way the tenants are using it in the summer (keeping their booze cool in the freezer), but the "fix" (more of a modification) for that involved a 16" piece of 14ga wire and 15min of my time.
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If you have an apple and I have an apple and we exchange these apples then you and I will still each have one apple. But if you have an idea and I have an idea and we exchange these ideas, then each of us will have two ideas.
—George Bernard Shaw |
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 shanerPremium
join:2000-10-04
Calgary, AB | reply to zaedas99
said by zaedas99:said by fourboxers:You can click the full pdf from that page, it looks like they will give you a one time product replacement refurb
[att=1]
Getting a refurb is really not great at all :/. To be fair, let's say your phone breaks and it's sent in for repair. They fix it and *presto* your phone is now a refurbished phone. So, instead of waiting weeks for your own refurbished phone to find its way back from the repair depot back to you, they give you a different refurbished phone over the counter. It's no big deal really.
Now, as for the warranty you bought, I'd return it. From the looks of it, physical damage is not covered and I'd be pretty pissed if I went to make a claim and it wasn't covered. Personally, I really don't understand why. These warranty companies pay out such a small percentage of extended warranties, it's not like they lose anything on the deal.
However, this is why AppleCare+ is the best warranty period. No dickering, and OTC replacements for a reasonable price.
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I'm a man, but I can change. If I have to. I guess.
»shaner38.blogspot.com/
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Reviews:
·ELECTRONICBOX
| said by shaner:said by zaedas99:said by fourboxers:You can click the full pdf from that page, it looks like they will give you a one time product replacement refurb
[att=1]
Getting a refurb is really not great at all :/. To be fair, let's say your phone breaks and it's sent in for repair. They fix it and *presto* your phone is now a refurbished phone. So, instead of waiting weeks for your own refurbished phone to find its way back from the repair depot back to you, they give you a different refurbished phone over the counter. It's no big deal really. Now, as for the warranty you bought, I'd return it. From the looks of it, physical damage is not covered and I'd be pretty pissed if I went to make a claim and it wasn't covered. Personally, I really don't understand why. These warranty companies pay out such a small percentage of extended warranties, it's not like they lose anything on the deal. However, this is why AppleCare+ is the best warranty period. No dickering, and OTC replacements for a reasonable price. I kind of agree with you, but somehow, i like it when i know it's "my phone". Can't really explain why. I just feel like it!
As for everyone who participated in this thread, i want to thank you very much. After thinking about what everything was said here, i decided to get refunded. It feels so nice to get that 140$ back :P (with taxes) |
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| reply to dirtyjeffer
said by dirtyjeffer:said by corster:Just remember that credit card warranties generally only cover you up to the amount charged on the card - for most people, in the case of cell phones, this means they'll only cover up to the $100 or so you paid for the phone, not the replacement value.
correct...if you paid $100 for the phone on a 3 year contract, but the regular price is $500, they will only cover you for the $100. This is true, but this only applies under "purchase security" which covers ANYTHING that happens in the first 3 months/90 days of purchase... Anything. So yes, in essense, if you loose your phone, you can only get back what you paid for. However this does not apply as i state below.
Extended warranty DUPLICATES the original manufacturers warranty and there is no maximum $ amount under this portion of the insurance. As long as it is or would have been covered under the manufacturers warranty, it will be covered under extended warranty. If there is a max $ amount that would be as stipulated by the manufacturers warranty. |
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 HiVoltPremium
join:2000-12-28
Toronto, ON
kudos:17
·TekSavvy Cable
·TekSavvy DSL
| reply to shaner
said by shaner:To be fair, let's say your phone breaks and it's sent in for repair. They fix it and *presto* your phone is now a refurbished phone. So, instead of waiting weeks for your own refurbished phone to find its way back from the repair depot back to you, they give you a different refurbished phone over the counter. It's no big deal really.
The thing is, refurbished by whom... Apple's refurbs are indistinguishable from new. My friend got a replacement refurb android phone from Rogers warranty, and it was a piece of shit with dead pixels and scratched up camera lens... He had to argue with them for 2 weeks to get another replacement which was fine...
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F**K THE NHL. Go Blue Jays 2013!!!
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dirtyjefferAnons on ignore, but not due to fear.Premium
join:2002-02-21
London, ON | reply to OverrRyde
said by OverrRyde:This is true, but this only applies under "purchase security" which covers ANYTHING that happens in the first 3 months/90 days of purchase... Anything. So yes, in essense, if you loose your phone, you can only get back what you paid for. However this does not apply as i state below.
Extended warranty DUPLICATES the original manufacturers warranty and there is no maximum $ amount under this portion of the insurance. As long as it is or would have been covered under the manufacturers warranty, it will be covered under extended warranty. If there is a max $ amount that would be as stipulated by the manufacturers warranty.
my apologies, i mixed the two up...in any event, the extended warranty feature of the credit card could be a decent option...i've heard it's a bit of work to make a claim (not that they give you a hard time, just requires some procedures, etc to be done), but better than nothing, or paying $120 for something similar.
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People sleep peaceably in their beds at night only because rough men stand ready to do violence on their behalf.
- George Orwell |
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| said by dirtyjeffer:said by OverrRyde:This is true, but this only applies under "purchase security" which covers ANYTHING that happens in the first 3 months/90 days of purchase... Anything. So yes, in essense, if you loose your phone, you can only get back what you paid for. However this does not apply as i state below.
Extended warranty DUPLICATES the original manufacturers warranty and there is no maximum $ amount under this portion of the insurance. As long as it is or would have been covered under the manufacturers warranty, it will be covered under extended warranty. If there is a max $ amount that would be as stipulated by the manufacturers warranty.
my apologies, i mixed the two up...in any event, the extended warranty feature of the credit card could be a decent option...i've heard it's a bit of work to make a claim (not that they give you a hard time, just requires some procedures, etc to be done), but better than nothing, or paying $120 for something similar. Oh yeah for sure i think it's better depending on the product they are selling you at the store. But depends, it always good to see what is actually covered under those store bought extended warranties because they do *sometimes* cover things not covered under your credit card insurance. It all depends on the manufacturers warranty itself.
I think most manufacturers warranty dont cover water dammage do they? A store bought policy may cover it and you would win then if you have it.
As far as claims process is concerned, it faily easy most of the time, for who i work for anyways! we usually just ask for either a repair estimate to be sent in with the claim and a copy of the manufacturers warranty. |
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corsterPremium
join:2002-02-23
Gatineau, QC Reviews:
·TekSavvy Cable
| reply to OverrRyde
said by OverrRyde:said by dirtyjeffer:said by corster:Just remember that credit card warranties generally only cover you up to the amount charged on the card - for most people, in the case of cell phones, this means they'll only cover up to the $100 or so you paid for the phone, not the replacement value.
correct...if you paid $100 for the phone on a 3 year contract, but the regular price is $500, they will only cover you for the $100. This is true, but this only applies under "purchase security" which covers ANYTHING that happens in the first 3 months/90 days of purchase... Anything. So yes, in essense, if you loose your phone, you can only get back what you paid for. However this does not apply as i state below. Extended warranty DUPLICATES the original manufacturers warranty and there is no maximum $ amount under this portion of the insurance. As long as it is or would have been covered under the manufacturers warranty, it will be covered under extended warranty. If there is a max $ amount that would be as stipulated by the manufacturers warranty. Not true in most cases. Read the terms of your specific credit card, and read them carefully. For example, on the RBC Rewards Gold Visa terms, it states:
"The Insurer will not be liable for more than the purchase price of the insured item(s) as recorded on the RBC Rewards Visa Gold sales draft. If you have purchased and paid for personal property and/or gifts using RBC Rewards points, the Insurer will not be liable for more than the amount of RBC Rewards points you redeemed to pay for your purchase. The Insurer has the sole option to replace or repair the insured item or reimburse you." |
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| said by corster:Not true in most cases. Read the terms of your specific credit card, and read them carefully. For example, on the RBC Rewards Gold Visa terms, it states:
"The Insurer will not be liable for more than the purchase price of the insured item(s) as recorded on the RBC Rewards Visa Gold sales draft. If you have purchased and paid for personal property and/or gifts using RBC Rewards points, the Insurer will not be liable for more than the amount of RBC Rewards points you redeemed to pay for your purchase. The Insurer has the sole option to replace or repair the insured item or reimburse you."
This is true, i mispoke.
Most of the time though this is enough coverage as you can either purchase a new item with the refund. |
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