3rd party insurance for cell phones
Looking to purchase a new phone off contract but would like the peace of mind
Dec 30th, 2017 3:02 am
Dec 30th, 2017 4:24 pm
Dec 31st, 2017 12:46 pm
Dec 31st, 2017 1:45 pm
Dec 31st, 2017 1:52 pm
Dec 31st, 2017 1:52 pm
Dec 31st, 2017 8:15 pm
You mean buy the flagship phone, or there's a special insurance plan called "peace of mind"?
Jan 3rd, 2018 12:26 pm
Jan 3rd, 2018 11:47 pm
Also consider the deductibles. Cellphones will have to get much more expensive for people to start claiming them via home insurance policies.absolut123 wrote: ↑Jan 3rd, 2018 12:26 pmI have the Desjardins cashback visa which provides this coverage. It's not super comprehensive, but for no annual fee I'll take it.
Some home insurers allow you to add this coverage as well, but I would not recommend it as any claim would result in your rates going up and they can use it as an excuse to drop you.
Jan 4th, 2018 10:55 am
You can buy additional coverages through home insurers specifically for your cell phone that comes with no deductibles or very low deductibles ($100-250). I still don't recommend it as a claim would result in higher rates and potentially impact your insurability.
Jan 4th, 2018 11:25 am
Agreed. RFDers know how to get phones for dirt cheap, so the replacement cost is a better optionabsolut123 wrote: ↑Jan 4th, 2018 10:55 amYou can buy additional coverages through home insurers specifically for your cell phone that comes with no deductibles or very low deductibles ($100-250). I still don't recommend it as a claim would result in higher rates and potentially impact your insurability.
Jan 7th, 2018 7:18 am
Jan 7th, 2018 12:59 pm
If you are buying from a store like Walmart, etc, they should have insurance for their electrical/electronic products for a fee.
Jan 7th, 2018 1:10 pm
The Desjardins's Mobile Device Insurance is a nice feature but not likely to be a big deal because it is only two years coverage.cal653 wrote: ↑Jan 7th, 2018 7:18 amI use multiple no fee cards. Fido 1.5% cash back is what I mostly use in general.
I keep the Desjardins card below solely for the free mobile insurance.
"Mobile Device Insurance provides coverage up to $1,000 in the event your cell phone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure"
https://www.desjardins.com/ca/personal/ ... /index.jsp
Desjardins Cashback Card
Interest rate: 19.9%
Annual fee: none
Cash back: up to 1% on your purchases
Mobile Device Insurance
3-Day Travel Insurance at no charge
https://www.desjardins.com/ressources/p ... 0962858000
Coverage ends on the earliest of:
1. two years from the date of purchase;
2. the date ONE monthly wireless bill payment was not charged to Your Account, if You are funding the cost of Your Mobile Device through a Plan;
3. the date the Account is cancelled, closed or ceases to be in Good Standing;
4. the date the Cardholder ceases to be eligible for coverage; and
5. the date the Policy terminates.
Jan 7th, 2018 1:58 pm