Originally Posted by hungover
Below is an example policy which costs the same as AppleCare. Can you spot the differences?http://www.insurance2go.co.uk/iphone-insuranceAccidental Damage (Including Liquid Damage)
Overseas cover (30 days a year)
Cover for your Immediate Family (if over the age of 16)
No contract (you can cancel the policy at any time)
Immediate cover (our insurance starts on the day you sign upTheft
Up to £1000 of Unauthorised Calls
Mobile wallet protection
That is quite a bit oversimplified. Comparing a warranty extension to an insurance does simply not work.
This insurer has quite some fine print and omissions:
- Excess charges between 50 and 70 GBP for some incidents
- You need to have paid at least a year worth of insurance fees to have certain claims processed
- They reserve the right to give you 'refurbished' (by whom?) or similar devices (whose definition?), or pay out the remaining value (established by whom?) minus excess charges, minus whatever is missing to 12 months of payments. (Not saying they will do anything evil, just that these terms are nowhere clear cut.)
- They do not mention covering regular, out of warranty, repairs. So, for regular repairs you still have to deal with the vendor, who, being a telco or warehouse, could leave you without a phone for weeks or months.
- The insurance is tied to a combination of person and IMEI (plus immediate family members). It is not transferrable, like AppleCare, thus no addition to the resale value.
- They do not detail any 'overseas cover', at least they do not explicitly say that they will help you abroad, only that they will e.g, accept police reports (and help you, when you are back home?). AppleCare will help you in every country where Apple sells iPhones.
- If you have a defect (not caused by accidental damage) in the second year, you can go back to your dealer, and proof that the defect was present when you received the device. At least they do not seem to say anywhere that they would cover such repairs.
... and that is after looking at their page for less than two minutes. I am not saying it is a bad or mediocre offer, just that the comparison is pretty pointless.
Even if you think:
AppleCare is just an insurance policy which doesn't cover anything other than defects that should not occur within a 24 month period. Hence the point of the legal action in Italy...
The reality is that the EU mandated implied warranty does explicitly put the customer in charge of proofing that a defect was present on delivery after exactly 6 months. Laws do not include 'should not' provisions normally. As the EU implied warranty has to be provided by the seller, not the manufacturer, you are bound to their service quality (after the first year of free AppleCare, in which you can freely go to the reseller or to Apple as you please).
Apple's AppleCare service is normally:
- Book a Genius bar appointment via the Website or the Apple Store App, no matter in which country you are
- Go there
- Walk out with a working identical new or Apple-refurbished product. No charges, no wait times, no questions asked.
Extending this comfort to 24 months is a very good investment.
The alternative, with your insurance model, is dealing with a reseller. My sister was without her Galaxy II for almost 7 weeks, paying 3 times shipping and handling and finally buying a new phone, as she needed one. The discussions with the carrier (and letters back and forth) are still ongoing after almost a quarter.
And, where I am, I can add an iPhone to my household insurance for a fraction of 70 GBP (18 EUR actually) and they cover foreign stays for up to 6 weeks a year.