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Re: Why would anyone buy an extended warranty on a phone?

From -hh <recscuba_google@huntzinger.com>
Newsgroups misc.phone.mobile.iphone, comp.sys.mac.advocacy
Subject Re: Why would anyone buy an extended warranty on a phone?
Date 2025-08-07 16:02 -0400
Organization A noiseless patient Spider
Message-ID <10730on$3j5pk$5@dont-email.me> (permalink)
References (4 earlier) <106ar7v$2nr27$1@dont-email.me> <106binv$h6n$1@nnrp.usenet.blueworldhosting.com> <106tdl1$2sma7$1@dont-email.me> <1070kjq$31dg$1@nnrp.usenet.blueworldhosting.com> <1070n29$3lsnb$1@dont-email.me>

Cross-posted to 2 groups.

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On 8/6/25 19:04, Alan wrote:
> On 2025-08-06 15:22, Marion wrote:
>> On Tue, 5 Aug 2025 13:05:37 -0400, Tom Elam wrote :
>>
>>
>>> I doubt seriously that your phone was free.
>>
>> We discussed this on this very newsgroup in April or May of 2021 and a
>> bunch of people on this very newsgroup took advantage of the deal.
> 
> The "deal" doesn't make the phone free.
> 
> It just means you're paying for a pretty basic phone month-by-month.

Which has already been explained to him.


>>> How do you know anything about how many Apple devices have AppleCare?
>>
>> I don't think I said how many people buy this crappy insurance, as I
>> wouldn't know why anyone would buy insurance on a commodity like a phone.
> 
> Every choice to buy insurance is a gamble.

Precisely, and from a business model standpoint, the insurance costs 
have to exceed the expected average cost of claims, plus overhead, in 
order for the insurance company to remain fiscally viable.  This means 
that it is always statistically against the customer, yet they often 
elect to buy insurance anyway, for a variety of reasons.


>>> Cars are easily replaced. Expensive, but not a problem finding a car. By
>>> your logic you should not insure your car.
>>
>> I don't even insure my house, Tom, because it's paid for and I can 
>> replace
>> it if I ever need to. So why would I insure my 30-year old automobiles?
> 
> Riiiiiiiight.

Well, he does have one valid point here:  the cost of collision 
insurance on their 30 year old clunker isn't a good value.

>> I only insure liability. Not damage or replacement which I can pay for.
>> Insurance is never a good deal unless you can't replace what is lost.

Its not merely if one can afford to.  One needs adequate liquidity in 
order to self-insure, as well as the willingness to self-insure.

-hh

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Thread

Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-07-26 04:03 +0000
  Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-07-25 21:32 -0700
    Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-07-26 11:38 -0400
      Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-07-26 17:51 +0000
        Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-07-26 19:55 -0700
        Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-07-29 07:07 -0400
          Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-07-29 22:42 +0000
          Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-07-29 22:42 +0000
        Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-07-29 12:01 -0400
          Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-07-29 22:42 +0000
            Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-08-05 13:05 -0400
              Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-06 22:22 +0000
                Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-06 16:04 -0700
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-07 16:02 -0400
                Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-08-07 19:04 -0400
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-07 22:55 -0400
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-08 10:37 +0000
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-08 09:06 -0400
                Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-08 10:29 -0700
                Re: Why would anyone buy an extended warranty on a phone? Your Name <YourName@YourISP.com> - 2025-08-08 18:32 +1200
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-08 09:16 -0400
                Re: Why would anyone buy an extended warranty on a phone? Your Name <YourName@YourISP.com> - 2025-08-09 10:24 +1200
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-08 10:24 +0000
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-08 09:54 +0000
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-08 16:00 -0400
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-08 23:05 +0000
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-09 14:56 -0400
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-10 22:41 +0000
                Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-10 17:11 -0700
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-10 20:45 -0400
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-11 15:33 +0000
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-11 14:20 -0400
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-11 20:17 +0000
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-11 19:33 -0400
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-12 01:40 +0000
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-12 09:05 -0400
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-12 17:27 +0000
                Re: Why would anyone buy an extended warranty on a phone? -hh <recscuba_google@huntzinger.com> - 2025-08-12 14:29 -0400
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-12 19:54 +0000
                Re: Why would anyone buy an extended warranty on a phone? Chris <ithinkiam@gmail.com> - 2025-08-14 17:21 +0000
                Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-14 10:40 -0700
                Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-08-17 16:08 -0400
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-19 11:21 +0000
              Re: Why would anyone buy an extended warranty on a phone? sms <scharf.steven@geemail.com> - 2025-08-07 16:11 -0700
                Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-08 10:57 +0000
      Re: Why would anyone buy an extended warranty on a phone? Your Name <YourName@YourISP.com> - 2025-07-27 09:41 +1200
    Re: Why would anyone buy an extended warranty on a phone? Tyrone <none@none.none> - 2025-07-26 16:18 +0000
      Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-07-26 09:47 -0700
  Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-07-26 08:40 -0400
    Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-07-26 09:07 -0700
    Re: Why would anyone buy an extended warranty on a phone? Your Name <YourName@YourISP.com> - 2025-07-27 09:37 +1200
    Re: Why would anyone buy an extended warranty on a phone? sms <scharf.steven@geemail.com> - 2025-08-07 11:14 -0700
  Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-07-29 12:02 -0400
  Re: Why would anyone buy an extended warranty on a phone? Tom Elam <thomas.e.elam@gmail.com> - 2025-08-11 10:06 -0400
    Re: Why would anyone buy an extended warranty on a phone? Marion <marion@facts.com> - 2025-08-11 15:34 +0000
    Re: Why would anyone buy an extended warranty on a phone? sms <scharf.steven@geemail.com> - 2025-08-13 11:25 -0700
      Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-13 11:46 -0700
        Re: Why would anyone buy an extended warranty on a phone? Jolly Roger <jollyroger@pobox.com> - 2025-08-13 19:07 +0000
          Re: Why would anyone buy an extended warranty on a phone? Alan <nuh-uh@nope.com> - 2025-08-13 12:34 -0700

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