41. Well I was an employee by asurion and they ask for a police report if you phone got lost or stolen I think that very stupid I am pretty sure the police dpt has other things to do them filing a police report for Asurio

Posted at 11:57AM on Jan 3rd 2006 by LVazquez

42. i have been on here reading these posts and was very apprehensive about filing a claim through this company. but i had zero problems. i think a lot of the people on here are just venting beacuse they are morons. specifically the people who say 'NOBODY told me there was a deductible'. read the contract, dipshit. ohter than that, spend a few bucks and get yourself a decent phone. if they are giving them away free, there is a reason.

Posted at 5:22PM on Jan 3rd 2006 by Patrick

43. This company is scam!!! I am currious who (from the Goverment) does cover up for them? They are stilling clients money (my money) and get away with it. I am was waiting for my phone for 3 month, and more than that they make me by a new one and promised partial rebate and now I am waiting for it for 2 month. This company should be locked up!

Posted at 5:00PM on Jan 11th 2006 by Yury

44. I worked for Verizon for 2 yrs as a CSR and dealt with this Asurion mess on a daily basis. It made me feel dirty. When people find out they must pay the $50.00 deductible they are almost universally surprised, having not been told the full story at the point of sale. To add insult to injury, the phone provided is ALWAYS a "refurbished" phone which means some $8.00/hr kid in Smyrna, Tenn who has an unreasonable production quota has certified it as worthy... Worst of all, the poor customer who lost his phone or had it stolen has to go to the police for a report. That's lots of fun... The cops have nothing better to do than to fill out lost cell phone reports all day so they just LOVE to get those lost cell phone calls. So much for your tax dollars at work. When I was working there, I wanted so badly to tell people the truth about the "insurance option"...but if that call would be monitored, I would be in the parking lot with a box in 30 minutes. Thankfully, I don't work there anymore and don't have to deal with this B.S. anymore. Asurion sucks...big time.

Posted at 1:07AM on Jan 14th 2006 by Dilbert Snitch

45. I purchased two Razor V3 cellular phones with for the total cost of $100 dollars in December from the T-Mobile retailer, located at 94-673 Kupuohi St Ste B204 Waipahu, HI 96797 Phone 808-677-2473. I was also highly encouraged to purchase the insurance plan by sales rep Noreen Tang after having being told that if my telephone was lost or damaged that it would be replaced to me at no extra charge. Now this offer did not sound to good to be true as a previous T- Mobile user (before switching to NEXTEL) I had lost a phone and had it replaced by the company for free. So within the sales representatives assurances I Eagerly paid the extra 5 dollars per telephone. This past Saturday 21st 2006, My cell phone was stolen from a friends house party which make me very sad as it was a gift to myself and my fianc?for this past Christmas. My first step was suspending service on the telephone to prevent any overage charges billed to me. My next piece of advice from the call center agent was to make a claim to the insurance company, Asurion After my call had been dropped twice, I decided to call them the next day. Sunday January 22 2006, I go to the retail store where I purchased the product (address above) to talk to the sales rep to see if they could help me with my claim go smoother. This is where I was told I needed to pay a deductible! I was completely outraged when I was told I had to pay over 100 dollars for a replacement telephone. Now let me remind you I paid only 100 dollars for the two razor V3 cell telephones. I told the sales representative how shocked I felt completely mislead and lied too, so I left. Monday January 23, 2006, I called T-mobile again to clarify everything that has been happening since I am in complete disbelief too me. I spoke with an agent from the call center and asked many questions, had a lot of going back and fourth, I will admit I was a bit temperamental at this point, who wouldn’t be. T-Mobile there made their first disclaimer to me saying its not their responsibility and they have nothing to do with it. They also told me that T-Mobile has never sent out free telephones before, that they only did upgrades, which is a total lie. As stated before I have had an upgrade done and I had stole/damaged telephone replaced. So again I feel completely ripped off and lied to by a company I came back to. I then asked to speak to a supervisor and was told there was nothing she could do. I asked her for the legal department’s address and number (of course you have to write them, there is never a number to call) which is, 12920 SE 38th st, Bellview WA 98006 and the info for the insurance company, Asurion 1-866-268-7221. My last step before writing this letter was calling the insurance company, Unfortunately I was taken in many circles and through tele-prompts and never got to speak to someone. It was said on the machine that I needed a police report (which was never need before, but would be glad to get). I am not going to lie, I loved T-Mobile and a part of me still does, they are normally always great. I think they made a mistake going with this insurance company because now T-Mobile’s customers are being hurt and disregarded. All I want is my phone replaced.

Posted at 12:22PM on Jan 23rd 2006 by alison

46. What kind of moron buys insurance and doesn't expect there to be a deductible? All insurance has a deductible. Some insurers call it a co-payment, but it's the same thing. Geez. If you don't understand how insurance works, perhaps you might consider not purchasing it or having someone explain it to you. And if your phone is so damn important to you and you're losing so much money, here's an idea: buy a back-up - just in case. Common sense, people.

Posted at 2:53PM on Jan 28th 2006 by Jon Wythrub

47. 40. i have been on here reading these posts and was very apprehensive about filing a claim through this company. but i had zero problems. i think a lot of the people on here are just venting beacuse they are morons. specifically the people who say 'NOBODY told me there was a deductible'. read the contract, dipshit. ohter than that, spend a few bucks and get yourself a decent phone. if they are giving them away free, there is a reason. Posted at 12:53 PM ET on Dec 27, 2005 by Patrick 0 stars --------------------------------------------- When I signed up my insurance back in April, On the contract, it reads $70 deductible for the first 3 month period, and $35 after 3 month. And Guess what, they increase the price of deductible to $110 in July. I was never notified. I found out yesterday that the deductible has increased to $110 for my phone. What if it increased to $250 next month and you broke you phone then? I guess you will become a moron... Do I have to call them every month to make sure they didn't increase the deductible? I bought my insurance to protect me from accidents. I didn't break my phone on purpose. However, I don't believe TRIPLING the deductible within a year is reasonable. It's like your HMO suddenly goes from $10 to $30 or your PPO goes from $20 to $60. No, it's actually worse, it went from $35 to $110. Furthermore, the fact that I sign up for the insurance because they said the dedutible would be $35 after 3 month. But then they increased the deductbile after 3 months. Can I get a refund?

Posted at 12:29AM on Feb 4th 2006 by Angie

48. I've been a customer with T-Mobile since it was known as Voicestream here in the states. I suck with being careful with my phones, so I bought the insurance this time (I have a Sidekick). My phone was stolen back in April '05. I called them up, found out what I needed (a police report, basically), then went and got my police report (which took about 20 minutes including the 5 min drive there and back), called back, and was told I'd have to wait several days due to the phone being on backorder. I guess they made a mistake in my favor because the phone was actually sent out earlier than expected, and I had a replacement within a week. I don't mind the extra hassles in the filing process if it allow them to keep fraud-related loss and my deductible/premiums down. Good company, though I realize any company will have its share of poor customer experiences, which are reflected on this webpage. Personally, though, I give a vote of confidence.

Posted at 5:00PM on Feb 6th 2006 by Chris

49. I'm so glad to find other persons who have had trouble with asurion phone insurance. My problem is that my daughter was water damaged they told me because thier was no usage for that phone on the day of damage that they could not replace the phone what the hell am I paying insurance for

Posted at 5:15PM on Apr 19th 2007 by loretta

50. my cell fell in the toilet and i had to pay 70 bucks to get another phone.. i was mad because my first phone was 50 dollars and i had to pay 20 dollars more for the same phone with asurion wat kinda insurance company makes u pay more for something? when u already pay them every month wat a bunch of crap...

Posted at 10:58PM on Apr 23rd 2007 by Gaby

51. I am extremely dissapointed in the fact that i have recieved a sidekick 3 that has a broken battery!!!!!!!!!!
no one from asurion is helpful

Posted at 3:15AM on May 17th 2007 by stephanie

52. May 21, 2007

I just lost my phone. I have Sprint as my carrier, and would like to add a new twist. The Asurion people required me to have all my documents NOTARIZED before mailing them in. An additional $10 above the $50 deductable! AND if I wanted it sooner than in three weeks, I'd have to pay the $15-25 Fed Ex shipping. For a refurb? I've been had.

Posted at 3:23AM on May 22nd 2007 by Tim Dillenbeck

53. First I'd like to say that I'm completely baffled when you people can sit here and bash Asurion and say it's a scam when all your problems that I've read about on here could have easily been avoided if you'd bothered to read the terms of your insurance when you got them. Try reading them...everything about the $50 deductable is in there, everything about the fact that we cover lost or stolen or accidently damaged phones but not malfunctioning phones is in there, everything about the fact that you may recieve a new OR like-new phone is in there, everything about there being a 60 day limit on filing your claim is in there. Read people, its that simple. And no, not everyones claim can be processed, if you call in and you don't even know the make and model of the phone you're calling about or even when you purchased it that makes it very hard for us to do our jobs. Take the time to gather up that information before you call us please. We're doing our best to help you out the least you can do is be ready when you call so we can help you as quickly and efficently as possible. And I also want to say that Verizon and Asurion are two seperate companies. If you have issues with verizon because they didn't provide you with enough information about the insurance, maybe because you didn't ask, or are unhappy about the phone you got from them, that you choose, please don't take it out on us. We weren't there at the store with you, when you made your purchase. And I don't understand why people call us and say well, I didn't know there was going to be a deductable...sometimes I feel like saying, gee thats funny, the other 75 people I talked to today knew about it. You'd think you'd be happy that we're there when you drop your $300 phone in the toilet and we offer to replace it for $50 with a new battery and home charger. Even if it is a like-new phone you're still getting a pretty sweet deal, right? Anyways, Asurion is an awesome place to work, the people there rock! And just for the record, I didn't put my name on here for obvious reason, but if any of you feel the need to know my personal information that bad, just message me, I'm not hiding. I stand behind everything I've said 110%! And as for what the poster in #44 said...hey verizon reps, it's your job as the verizon rep to tell people about the deductable...you're selling the insurance! LOL I can't believe some of the stories in here, it amazes me, most of them aren't even true. Take what #49 said for example...that's not true at all. And look at #52, not true, cause we don't even use fed ex, ever, we use DHL. Verizon ships with fed ex so it had to be them he was dealing with, not asurion. And as for poster #46, bravo!

Posted at 2:26PM on May 31st 2007 by Asurion Employee (Moncton)

54. I was a "Class Action" consultant to LARGE U.S. corporations for many years. If there is any interest, we can initiate a MAJOR class action against Asurion.

Posted at 12:38PM on Jun 2nd 2007 by William Lewis

55. I purchased a Motorola Krzer from Cingular online at full retail price because my old Razor phone fell in the swimming pool. I didn't have insurance on the Razor and I was in the middle of my 2 year contract.

With the new Motorla Krzer, I got insurance on the phone. About 1 month later, I lost it. I know its in the house somewhere because the last time i used it was in the house. I called the insurance company to file a claim. I was not aware that there was a deductible when I signed up for the insurance through cingular customer care. The company charged me $50 deductible. In additon, they sent me a refurbished cell phone. My phone was brand new -- I do not feel that a refurshised is something comparable. Again, I was not told by cingular. However, asurion did not has me if I had a police report. Which I did not file one because the phone was misplaced/lost. It was not stolen. Even if it was - I called Cingular to cancel the sims card so no one could charge up teh airtime on my bill. Anyway, they told me that if i ever find my lost phone to send it back to them or else I would be charged again. and they hung up the phone.

Well, first of all -- the lost phone is mine. I paid full retail price for the phone. If the phone ever gets returned to me or if I find it, then why should i send it back? Plus the replacement phone they gave me is refurbished. I would rather send back the replacement phone and keep my old phone.

They are trying to rip me off.. Giving me a phone half the price of what I paid for my brand new phone. And charging me $50 and then still want my lost phone??? Why
??

I canceled the insurance after they sent me my refurbished replacement.... Its a waste of money. I can get used phones on ebay.

Posted at 11:16PM on Jun 11th 2007 by LL

56. I'm glad everyone hates Asurion as much as i do. My girlfriend lost her D&G limited Edition Razr ($600 in value) and called Asurion to get it replaced. She knew that these people probably had no intelligance so she was very clear and specific about how the D&G phone was almost twice as expensive as the normal razr and that the insurance company either gives her that phone back or one of equal value. After 2 hours of being on hold she finally is able to end the call. She receives her comformation email in which the Asurions has written down. Phone to be replaced : Razr Standard. (and they got the address wrong). So she calls up again and yells at them. Makes them change the phone and the address and after two hours on hold again she finishes with them. Today we get the packet from DHL after the guy had got lost trying to find the first wrong address and then when we opened it. There is the standard razr. When you take out extra expensive insurance for a limited edition and expensive phone, you pay extra because it costs more to replace! logical...for everyone except Asurion

Posted at 2:42PM on Jun 27th 2007 by Jon

57. I have to say my experience with them was not bad, not what one would call "world-class customer service" as their website indicates but not horrible either.

After reading all the horrible things that people had to say about them I was sure it was going to be a problem to replace. I have to say that there hold music was pretty bad but they answered relatively fast and the person I talked to only seemed slightly dense. I would not rate them the best but certainly not as bad as these reviews suggest.

I'm in insurance for property/casualty, and life/health and I know how to read a policy. Most people just want what they want and not what they are entitled to.

Ultimately it comes down to reading your policy and knowing that sales people will tell you whatever it takes to make a sale. OMG sales people lie?! News flash: they do.

And for the person who had the D&G Razr I would just want to point out that the replacement policy states that you are not replaced by monetary value but by functionality. I mean look at it this way, with technology advancing as fast as it does a phone that you pay X dollars for is not worth that when the next in the series comes out.

Posted at 11:34PM on Jul 1st 2007 by Unscathed

58. I was wondering did any of you know that the phone Company that you signed up for has a brochure outline who does the phone insurance Clearly? The phone reps are suppose to give you this brochure or explain this in full to you before you sign up for it. If you read this brochure it clearly states that there is a $50 deductible and if you read further into it, it says the phone they send can be new or refurbished with standard accessories however not brand name ones. I believe the reason behind this is to reduce the amount of premiums you pay. They have there own warehouse with license tech from the various phone makers to repair any phone that come in from the customers. They buy the various phones that the phone carriers carry in bulk and only buy certain amounts. The phone that you send back is analyze then salvage, and repair with new parts. The refurbished phones are actually phones sent by the phone maker that they repaired themselves and not the techs working in the warehouse at Asurion. As someone stated earlier in the post the phone carriers set the rules for Asurion to follow. If Asurion doesn't follow they would be breaking the contract and they would suffer stiff penalites for it.
Also if you are wondering why the deductible is more than what you paid for the phone, you should ask them to see if you can another one for the same price with no plan. The reason you pay $10 - $30 dollars for a phone is usually with a cell phone plan. The phone company has no problem giving you a $300 phone for 30 dollars because they can sign you up for a cell phone plan for $30+ a month for 1-3 years. For example, lets say a brand new phone cost $35 to buy with a cell plan for three years $30 a month plus any other charges. Usually there is $10-20 for taxes, charges, and fees. So it comes to $50 a month. They just sold you a $200-$250 phone to get $1800 from you, for those three years not included any other charges, like going over minutes. Now if your phone was damage by accidentally, lost or stolen with no insurance you would have to for the FULL cost of a brand new phone or a reduced price for a refurbished one, which is $200-250, whatever the price is for the same model or a different one. If you did buy insurance you pay the roughly $5 a month, now for three years thats a total of $180. And of course with ALL insurance that I have heard of, there is always a deductible. And for $50 bucks your saving $150-200 already even with a refurbished phone! And you get to make 1-2 claims a year! so if you break a phone every year filing the max claims you paid $300 in total for deductibles but received phones worth $1200 - $1800 and thats not including the standard accessories and the shipping! And they even cut your insurance after you reach the max per year until you go back and readd it back on so you are not paying $5.

Posted at 2:05AM on Jul 12th 2007 by Read the brochere

59. Oh the other way around the insurance and paying for a full phone is to get another phone and tack another phone plan on top of your existing one. Also if you think canceling the phone plan is cheap well it's not. I think the min. to cancel your phone plan is $100-300+ to get out of it depending on how long is left on your current plan. Personally if I could get the plan myself I would, then I wouldn't have to worry about damaging it accidentally (damage YOU didn't do on purpose), if you have say someone drool on it and it doesn't work anymore you get it replace. If you decide to use it as a weapon then no of course not or throw it in the ocean. Just remember I wouldn't advise lying as if you are caught it is fraud which is not a good position to be in. Actually if you read the brochure it's kinda funny at what they don't replace it for, well I thought it was kinda funny. And it's true Unscathed that they will try anything to make a sale as they are paid by COMMISSION plus hourly wages. I also have one advice for people who do go through the process of getting their phones replace and they don't have the phone available and that is to research the phone first because if you don't like it they can offer a new one. Just remember to keep repeating the features that you like on the phone. And if all things fail just ask to speak to a supervisor or someone of higher power, calmly of course but don't ask for the CEO or something that high since you will get a recording. And for those who lose/stolen phones you only have 30 days to file a claim but if you call to start it, you can call back way past the 30 days within reason as long it has been started already. Oh to Angie, I think the deductible is decided by your phone carrier not Asurion, well not 100% though. Depending on how much the phone carrier wants to pay to replace your phone.

Posted at 2:27AM on Jul 12th 2007 by Forgot to mention

60. This posting fulfills a promise I made to a most helpful lady from Asurion Customer Satifaction: A.J. Hicks. After reading so many damning comments from Asurion clients, I filed a claim with them for my lost Sanyo PM8200. I was understandably impatient with how long it took to resolve the issues, but in retrospect, it was worth the wait. Anneatrica and I carried on a fruitful email dialog, durng which I posited that after over two years (with no claims) of premiums, my old phone was actually worth next to nothing, and either the monthly premiums would ideally be prorated to reflect the depreciated value of the phone, or, having filed no frivolous claims, perhaps even a slight upgrade would be in order. And by golly, since they were out of my model #, she was so kind as to promise me a NEW PM8400, a much appreciated kindness for which I shall ever thank her.
What actually arrived 'tho, was a reconditioned 8200, which came as a disappointment. But I don't think she was aware of the mistake. When I let her know of the mixup, within a few days I received a package with TWO more phones: a lesser quality refurbed Sanyo (?) and...ta-dah...a brand new Sanyo packaged 8400 with all cables, charger, mini-SD memory card, headphones, manuals...the whole enchilada. So get this: I now have THREE phones from them, two of which I will properly return to them.
A.J. really came through, and thus has guaranteed my continued relationship with Asurion. Her dedication to resolving my issues certainly turned my opinion around. I hope Anneatrica doesn't get into trouble for my upgrade. Because of her, I can now whole heartedly recommend Asurion. Patience paid off.
Thanks, A.J.!

Posted at 7:45PM on Jul 13th 2007 by Tim Dillenbeck