So if anyone knows anything about insurance knows you have to pay a deductable. This happens with health insurance, car insurance, and even (gasp) PHONE INSURANCE.
Me: yup
Sc: who else
Me: hi this is faulker with (company) how can I help.
Sc: yeah I've been having problems with my phone and then I dropped it in water. I called in and you people told me I would be charge $xyz and I don't under stand why since I have insurance for it
Me: ok well its not good you were having issue with your phone before you dropped it in water, however that voids the warrenty on the phone so that's why it would cost you that amount because that's the deductable for the insurance.
Sc: so what am I paying $x.yz for every month for insurance.
Me: the amount you pay every month is to have the insurance for situations like this so you don't have to pay full price for another phone.
Sc: but I have insurance!!
Me: I understand and that's what the insurance is for. Phone insurance is the same as car insurance. You pay a monthly fee to have it and if something happens like a car accident you have to pay a deductable, all insurance companies do that.
Sc: my insurance covers my car I don't have to pay a deductable I have full coverage.
( at this point it took every thing I had in me not to laugh at this idiot)
Me: well mr customer I would like to know who you have your insurance through because I've been with a couple companies and all of them charge a deductable. So I'm sorry but the only option I have for you is to either make a claim with the insurance and pay the deduct or buy a new phone which if you want the same phone it would cost you 200 more than the deducable.
Sc: but I was having issue with the phone before I dropped it this is bullshit
Me: I understand that you were having problems with the device before it was dropped but the fact remains that the phone WAS dropped in water and because it was dropped that voids the warrenty. And I'm sorry but if the phone was not dropped we woulde be able to replace your phone right away.
Sc: you guys are a bunch of theives. Your fucking robing me.
Me: I'm sorry you feel that way but we are not just taking your money. As I advised you earlier if the phone was not dropped in water we would replace the phone for free.
Sc: bullshit get me a supervisor.
I place the sc on hold and then he hangs up. I swear if he was in front of me I would kick him in the face he really pissed me off.
Me: yup
Sc: who else
Me: hi this is faulker with (company) how can I help.
Sc: yeah I've been having problems with my phone and then I dropped it in water. I called in and you people told me I would be charge $xyz and I don't under stand why since I have insurance for it
Me: ok well its not good you were having issue with your phone before you dropped it in water, however that voids the warrenty on the phone so that's why it would cost you that amount because that's the deductable for the insurance.
Sc: so what am I paying $x.yz for every month for insurance.
Me: the amount you pay every month is to have the insurance for situations like this so you don't have to pay full price for another phone.
Sc: but I have insurance!!
Me: I understand and that's what the insurance is for. Phone insurance is the same as car insurance. You pay a monthly fee to have it and if something happens like a car accident you have to pay a deductable, all insurance companies do that.
Sc: my insurance covers my car I don't have to pay a deductable I have full coverage.
( at this point it took every thing I had in me not to laugh at this idiot)
Me: well mr customer I would like to know who you have your insurance through because I've been with a couple companies and all of them charge a deductable. So I'm sorry but the only option I have for you is to either make a claim with the insurance and pay the deduct or buy a new phone which if you want the same phone it would cost you 200 more than the deducable.
Sc: but I was having issue with the phone before I dropped it this is bullshit
Me: I understand that you were having problems with the device before it was dropped but the fact remains that the phone WAS dropped in water and because it was dropped that voids the warrenty. And I'm sorry but if the phone was not dropped we woulde be able to replace your phone right away.
Sc: you guys are a bunch of theives. Your fucking robing me.
Me: I'm sorry you feel that way but we are not just taking your money. As I advised you earlier if the phone was not dropped in water we would replace the phone for free.
Sc: bullshit get me a supervisor.
I place the sc on hold and then he hangs up. I swear if he was in front of me I would kick him in the face he really pissed me off.



I have a shiny new new phone. It cost less than that deductible (even at the £2=£1 exchange rate).

My name is EQ. I drop my phone in water all the time. 
Me too!! I meant dollars $$$$$$$$$$$$
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