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Other AppleCare is now going through ASSURANT for iPhones???
- Thread starter Xstamper22
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But does it clearly states it covers replacement phones? I’d be concerned if it doesn’t
The actual insurance contract (https://assurantdeviceclaim.com/media/2168184/or-applecare-services.pdf) claims that "
Apple has agreed with ASIC to be the exclusive provider of all services and replacement devices to you under AppleCare+ with Theft and Loss."
Doesn't that mean that Apple sends the device, not Assurant directly (or, at least, Apple provides the device to Assurant which provides it to you)?
Apple has agreed with ASIC to be the exclusive provider of all services and replacement devices to you under AppleCare+ with Theft and Loss."
Doesn't that mean that Apple sends the device, not Assurant directly (or, at least, Apple provides the device to Assurant which provides it to you)?
Sorry, I am not buying it. "Apple is not an insurance company" Not for a trillion dollar company. Nope. They have a legal army at their disposal and could make this happen overnight.
Besides, AppleCare+ already provides what would be considered insurance services for damage. That is a type of insurance, so I am NOT BUYING THIS EXCUSE.
Besides, AppleCare+ already provides what would be considered insurance services for damage. That is a type of insurance, so I am NOT BUYING THIS EXCUSE.
The contract (https://assurantdeviceclaim.com/media/2168184/or-applecare-services.pdf) says that the replacement phone remains covered: "The original product becomes our property and the replacement product is your property, with coverage effective for the remaining period of the Plan Term."
Wow, very uncalled for. Xstamper22 is bringing up real concerns and very valid points and concerns.
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Thank you.
No, what the means is that Apple entered into a contact with Assurant to be the sole company that will handle your AppleCare loss/theft issues. Assurant will be the sole provider of replacement devices AND "services" on the replacement device. So, it sounds like the replacement device will then fall under Assurant to provide any repairs/etc going forward.
The difference is with Applecare, you need to bring something to apple. You cannot just go in there and say, hey i lost my phone.
Every plan that covers ‘lost’ has to go to an insurance company, or can you name 1 company that covers lost and theft without going through insurance company?
Apple dose not own an insurance company.
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The bottom line, you get a ‘cheapest junk’ from assurant, it doesn’t work. You go to apple store, say hey, i got this junk from your Applecare plan, and it doesn’t work now, replace it. Now it falls under Applecare category and you will get a replacement.
Guys, read the section of the contract that was quoted. Apple obviously thought of this. It says that ALL SERVICES for the replacement phone GO THROUGH ASSURANT. That means Apple thought of this loophole already. Once you get the replacement phone, the contract says Assurant becomes the sole company responsible for services on the phone.
Furthermore, even if they do allow this, this is contrary to the ENTIRE point of buying Apple - the premium experience. Now you will have to do a runaround between two companies? Furthermore, you will have to pay even MORE deductibles? So, you are paying $300 for AppleCare, then possibly $220+ for the loss, then possibly $100+ for fixing the replacement that came screwed up to begin with? Plus dealing with all the hassle and other BS that will entail? GTFO! Is this Apple, or the Boost Mobile customer service plan?
Exactly! If it is still covered by Apple care and it doesn’t work... you are all good! Get it replaced as defective!
Yea bro... Great plan. So $300 for AppleCare, $250 for the lost phone, and then $100 for fixing the junk Assurant phone that will almost certainly be screwed up in some way. So when all is said and done, you just spent $650.
Why not just go to the Genius Bar? This appears to only be an issue for stolen/lost phones. And I hate Assurant, I will probably just stick to regular AppleCare, never lost or had a stolen phone.
Hey all. Someone States this earlier, bit no one paid attention. This is not the same company who provides repairs in the carrier stores. That is asurian. This is assurant. They are actually my renter insurance company through geico. I really think there is a difference.
Please, read the entire contract yourself, don’t just read part of it.
Here i give you two quotes.
1.
Important: Neither you nor anyone entrusted with the Covered Device shall open the Covered Device as damage caused by opening the equipment is not covered by this Plan. Only an Apple authorized servicer should perform service on the Covered Device. Opening the Covered Device, or permitting an unauthorized servicer to open the Covered Device, constitutes intentional damage to Covered Device and compromises its physical integrity, and any subsequent damages to the device will be deemed a consequence of such impermissible actions, and not covered by this Plan.
Meaning if assurant is sending you a phone they did the work themselves, they are apple authorized.
2.
Carry-in service. Carry-in service is available for most Covered Devices. Return the Covered Device to an Apple Store or authorized service provider assigned by us that offers carry-in service. Service will be performed for you at the store, or the store may send the Covered Device to an Apple repair service (“ARS”) site for service. Once we notify you that service is complete, you promptly will retrieve the Covered Device.
(ii) Mail-in service. Direct mail-in service is available for most Covered Devices. If we determine that your Covered Device is eligible for mail-in service, we will send you a prepaid waybill (and, if needed, packaging material) and you must ship the Covered Device to an ARS site according to our instructions. Once service is complete, the ARS site will return the Covered Device to you. We will pay for shipping to and from your location if you follow all instructions.
(iii) Express Replacement Service (“ERS”). ERS is available for certain Covered Devices. ERS is not available for Screen-only ADH Claims. If ERS is available, the following process will apply:
(a) Service where we require you to return the claimed product or part. We may require a credit card authorization to serve as security for the retail price of the replacement Covered Device or part and applicable shipping costs. If you are not able to provide credit card authorization, service may not be available to you and we will offer an alternative arrangement for service. We will ship a replacement product or part to you with installation instructions, if applicable, and any requirements for the return of the claimed product or part. If you follow the instructions, we will cancel the credit card authorization, so you will not be charged for the replacement product or part and shipping to and from your location. If you fail to return the replaced product or part as instructed or return a replaced product or part that is ineligible for service, we will charge the credit card for the authorized amount.
Just remember this, apple ALLOW them to send out replacement phones, and apple don’t send junk. If apple’s allowing it, I’m not concerned about the quality. I mean after all, apple still have to provide warranty service on those replacement phones.
The insurance company may have sent out some ‘cheap junk’ they refurbished themselves, but can you bring those phones to Genius Bar and ask for a free repair? Probably not right? That’s the difference.
The insurance company may have sent out some ‘cheap junk’ they refurbished themselves, but can you bring those phones to Genius Bar and ask for a free repair? Probably not right? That’s the difference.
Apple isn't an insurance company. I'm really not sure why you're so angry and worked up over the fact that they don't want to get into the insurance business. Regular AppleCare+ is different because it only offers repairs or replacements of devices they see and can validate.
I was considering changing to the theft plan at preorder time... but this is making me think twice. Maybe good old AppleCare+ is what I want. I don't want to argue with some 3rd party company over stolen or lost devices.
If it is a defect...you don’t pay.
[doublepost=1536899600][/doublepost]And maybe Apple has set a standard for phones coming in through this program. We really don’t know what is going on behind the scenes.
Deferred interest is nothing new. Companies bet that the cardholder will not pay off their purchase in the time frame they give you. The terms are spelled out before you sign on the doted line. There is no deception. It is up to the account holder to pay off the loan before the allotted time. I would think the issue is more likely poor budgeting by the card holder. Or maybe they financed more than they could afford.
It’s not just the deferred interest, it’s also the fact that if you’re financing an Apple product and you use the card for anything else, then you have to pay 24% APR on any other purchases.
And they don't spell that out in the terms and conditions? Any time I have ever obtained a credit card I pay close attention to the interest rate. I can't believe this was a deceiving bombshell dropped on an unsuspecting consumer.
Only if you don't pay the balance, like all cards. Pretty clear the terms, the interest free is only for apple products. I don't see the issue.