Quantcast

Google Tv device owners are also Smartphone owners

Discussion in 'ENSQUARED' started by n2_edmond, Oct 28, 2010.

  1. n2_edmond

    n2_edmond New Member Staff Member

    Joined:
    Oct 25, 2010
    Messages:
    6
    Likes Received:
    0
    Trophy Points:
    0
    Ensquared's latest survey has determined that many Google Tv device owners are also Smartphone owners.
    Insure your Smartphone with Ensquared Phone Insurance - buy online in less than 3 minutes & get the best phone insurance in the USA with a 15 day money back guarantee.
     
  2. networkbuilder

    networkbuilder Member

    Joined:
    Oct 5, 2010
    Messages:
    38
    Likes Received:
    1
    Trophy Points:
    8
    Location:
    Michigan
    hmmm.... I pay our insurance company (same company as our home-owner's) $4 dollars per month which comes to $48 a year, for full coverage of my smartphone. No questions asked, no deductible, and they just send me a check for the full retail price of the phone, not just what they deem replacement value.

    With your plan it would cost me $58.99 + tax for 12 months of coverage...then in the event of a claim, a deductible of $75.00. So it would then cost me $133.99 to begin the claim. I call your center, and now have to let someone try to fix it first, then if its decided un-fixable, its replaced with what's the administrator's opinion of compareable if my phone is not in stock. Or you pay me what the administraor deem's replacement value.

    I'll stick with what I now consider to be the best phone insurance in the USA.
     
  3. n2_edmond

    n2_edmond New Member Staff Member

    Joined:
    Oct 25, 2010
    Messages:
    6
    Likes Received:
    0
    Trophy Points:
    0
    Hmmmm ----- the comparison to the home owners coverage opens a whole new can of worms. Assuming indeed there in fact is a homeowners policy that covers cell phones in the way described, to be really helpful to all readers the full story is essential. Half the story is very dangerous in making a considered decision and this is giving half the story if not less.

    Firstly, how about telling us who in fact the Insurance company is for a start?
    Secondly, are they operating in every State of the USA and if so do they offer this cell phone option in every State?
    Thirdly, and most importantly, how competitive is the insurance company's overall homeowner's premium paid (i.e. for burglary, water damage, hurricane and wind, flood, etc) and the deductible paid on this?
    The reader may indeed have this cell phone sub-set (which we are open to hear about with added detail above) but probably with relatively expensive Homeowners Premium or/and Homeowner deductible - so in fact he/she may be paying much more for the phone insurance in the bigger scheme of things. For reader information, there is no respectable Insurer anywhere in the world that can cover expensive smartphones on the basis described and do it profitably. If they do offer this as described, it is a blatant clear loss leader for the insurance company. This means they are catching the homeowner somewhere else and in a big homeowners policy with a myriad of complex items that is easy to do. If this proposition is to be analyzed responsibly it must be in combination with householder policy premium and the linked deductible. It is our position that a full look at this could make the phone insurance item - even though on its own it looks cheap - possibly the most expensive in the USA. Until all this is revealed the submitter's assertions on phone insurance should be taken with a pinch of salt.

    Now asto the remarks on Ensquared claims handling:

    Readers Statement: With your plan it would cost me $58.99 + tax for 12 months of coverage

    Our Response: Correct. Except in every State except Florida it is tax-free

    Readers Statement: ..then in the event of a claim, a deductible of $75.00. So it would then cost me $133.99 to begin the claim.

    Our Response: Incorrect. Deductibles start at $35 and a $75 deductible would only apply if the phone was totally irreparable or lost on SECOND CLAIM. Clearly this is based on inaccurate understanding of the terms

    Readers Statement: I call your center, and now have to let someone try to fix it first, then if its decided un-fixable, its replaced with what's the administrator's opinion of compareable (sic) if my phone is not in stock.

    Our Response: Incorrect. In our program even repairs are replaced with like for like, in most cases with a new device or a repaired with a small deductible. We have zero customers complaining on the issues stated here


    Readers Statement: Or you pay me what the administraor (sic) deem's replacement value.

    Our Response: Incorrect. With a $1000 claim limit (per claim) we do not nickle and dime our policy holders
     
  4. networkbuilder

    networkbuilder Member

    Joined:
    Oct 5, 2010
    Messages:
    38
    Likes Received:
    1
    Trophy Points:
    8
    Location:
    Michigan
    1st....Liberty Mutual..... 2nd, I said same company as our home-owner's, not, part of the home-owners...so learn how to comprehend the english text. Sound fired up...yeah, I am cuz your trying to mock me as a fool. 3rd... My premium for my homeowner's has nothing to do with this...but seeing how your so concerned, I pay 1,125.00 a year for coverage of $265,000.00 for the dwelling. That is with a $500.00 deductible.

    4th... I'm a licensed Insurance agent in the state of MI. and can without breaking the law offer advice on the matter....can you? When would you like for us to both publicly release our License #'s for all to research and check for legitamacy???

    5th.... Its not my fault that your policy does not read in plain enough english to properly represent itself.

    I strongly advice everyone to look into it for themselves with their current providers..... you just might find the appartly "magical" program...lol
     
  5. alphawave7

    alphawave7 Moderator Staff Member

    Joined:
    Oct 5, 2010
    Messages:
    1,094
    Likes Received:
    21
    Trophy Points:
    38
    I think edmond's point was, for example, that I, not being a Liberty Mutual customer, cannot simply go to LM and get your exact deal, unless of course I already have a policy with them. I understand your original advice for owners to check with their Homeowners Policy to see if they can work a better deal (rider, add-on,etc.) but that would simply be the case with ANY desired insurance purchase...if I got a new jet-ski, my first call would be to my homeowners policy insurance company (USAA in my case), to see what kind of deal I could get..they're usually willing to low-ball to get the add-on and commissions, typically. There IS a place for simple, direct-object insurance, and many folks use phone insurance, while not possessing home owners/renters insurance. That person would be Ensquares target customer.
     
  6. n2_edmond

    n2_edmond New Member Staff Member

    Joined:
    Oct 25, 2010
    Messages:
    6
    Likes Received:
    0
    Trophy Points:
    0
    Liberty or Statefarm are not equipped to replace handsets within 48 hours. They do not process and handle accidental damage efficiently as well as they don't hold stock of the latest devices.

    Ensquared is a specialist company where we actually get our customers back on the road with a smartphone solution real fast.

    Good luck to those who wish to insure 3G and 4g devices with a home contents policy- be prepared to be out of contact for a while.
     

Share This Page