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Cell Phones/Insurance

Updated on October 9, 2013

My assumption of paying insurance on my phone was that my phone would be protected against, theft, accidental spills and damage or crack screens. I was never told if anything happen to my phone; a deduction had to be paid in order to receive a new phone

I have been with one carrier over five years paying $7.99 a month for insurance, in five years nothing happen to my phone, what happen to my insurance money? In 2013 I upgraded my phone, after three day it was stolen. I assumed that all i had to do was to report the phone stolen and get another one because it was insured.

My problem started when customer service told me I had to pay $150.00 deduction, I really couldn't understand why because My insurance was paid. Did you read your contract I was asked? The contract was long and lengthy and should been read by me but wasn't.

One of the problems is why should anyone pay a deduction on a phone that is insurance, If they are told that our Phones are protected against theft, damage crack screens and accidental spills. Why do we pay a deduction.

What happen to all the insurance money that is paid to protect our phones, if we have to pay a deduction.


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    • jada67 profile image

      Maxine Daniels Foster 4 years ago from Boston MA

      Do cell Phone Insurance protects our phones from theft, accidental spills and crack screens? jada67