Assurion sent me a defective Motorola Rival A455. The screen/keyboard slide was loose, but I didn't initially realize that it was an issue. The two components separated at the slide 30 days after receiving the phone (not due to misuse or abuse). Assurion refuses to replace it under the manufacturer's warranty. They only give 7 days of coverage for physical defects. They want another deductible payment to send a replacement phone.

I paid $7 per month ($84/year)in premiums for this phone, then a $50 deductible for the replacement. Now they want another $50 to replace the defective phone they sent me. That's equivalent to paying $184 for a $70 phone. I am dropping their coverage.

I have had Assurion insurance on my wireless acount for two numbers with one carrier and two numbers on another carrier for over three years. The first time I filed a claim was in January 2009 because a phone was purchased by my husband for me for Christmas and the phone was stolen out of the trunk. He had not even taken it out of the car from the store yet so it was not used. I put in a claim and was told because the phone was not used yet and the sim card was not put into the phone, the claim was denied. Well one month later, he dropped his I-phone and broke it. I put in a claim and the representative told me that the phone was not supported by the insurance company. I asked her why and instead of answering the question, she informed me that I would be able to get a different phone and it would be a data phone. She informed me that an adjuster would call me around the same time on the next day to get the credit card number for the deductible of $125 and to confirm shipment. Well, when no one called me the next day, I called them the following morning, only to be told that the claim was voided out. I was transferred to an adjuster who informed me that the phone was not supported and the representative gave me mis-information and she was wrong. When I explained that this was the second time this had happened and I was a paying consumer for years, her answer to me was "Then you need to call your provider if you have any futher questions, complaints or comments." My carrier is not Assurion and can not answer any questions regarding insurance. Well, when I asked to speak with a supervisor, she very rudely told me to hold on (not asked me, she told me) then she came back saying she let the phone ring and there was no answer. When I asked her if I could hold, she said "No" and told me she would have someone call me back. I tried to give her the correct number to reach me and she acted like it was not needed and hung up. I quickly called both providers (who tried very hard to get me to keep the insurance) and I had it removed from my account. I then had it removed from my parents, in-laws, brother, his wife and their three kids, my brother and sister in-laws, and three cousins. So they have lost several customers and I will make sure I tell everyone to do the same. Its a shame for customers to pay for a service that is not consumer friendly and does not work for them when needed. If you are taking the time to read this and you have the same insurance, be aware, it may not work for you when you need it.

i have been paying asurion for almost ten years for cell phone insurance throuugh verizon wireless. I had to issue a claim because my cell phone accidently went through he washing machine. The insurance company asurion was quick to replace my product, once i paid the co-pay of $50. mind you, I also pay 5.99 per month for the insurance. Well, they sent me a remanufactured phone, and it started crapping out two days later. Now i'll have to get another phone and reprogram one again. bogus company, if i'm paying for a service I expect to get a decent phone in return.