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PSA - Wells Fargo - Free Cell phone Protection up to $600 - YMMV

allthingsvu 171 227 August 31, 2016 at 09:23 AM in Your Mileage May Vary (YMMV) (6)
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Cellular Telephone Protection
https://www.wellsfargo.com/credit...rotection/

Pay your monthly cellular telephone bill with your eligible Wells Fargo Consumer Credit Card and you'll get up to $600 protection (subject to a $25 deductible).

Coverage may include up to four cell phones as listed on your wireless cell phone bill. The cellular telephone is protected against damage or theft, however coverage does not include cell phones that are lost.1

Note: Call your cellular provider (or log on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for this cellular telephone protection benefit; however, you need to pay your monthly cellular telephone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection.
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16 Comments

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#2
does damage mean any damage including once caused by dropping the phone?
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#3
Quote from allthingsvu View Post :
Cellular Telephone Protection
https://www.wellsfargo.com/credit...rotection/

Pay your monthly cellular telephone bill with your eligible Wells Fargo Consumer Credit Card and you'll get up to $600 protection (subject to a $25 deductible).
Old news and has been going on for a while (and think it was posted in the proper forums for this a while back) but would have to do some searching.

Regardless...one of the main unanswered questions about this was if "partial" payments also qualified for coverage (i.e. using Verizon gift cards towards your part of your monthly bills and paying the remainder with auto-pay).
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#4
Quote from SDSexpress View Post :
Old news and has been going on for a while (and think it was posted in the proper forums for this a while back) but would have to do some searching.

Regardless...one of the main unanswered questions about this was if "partial" payments also qualified for coverage (i.e. using Verizon gift cards towards your part of your monthly bills and paying the remainder with auto-pay).
What about how long must one pay with Wells Fargo to qualify ie 3 consecutive months? Also what if there is a lapse in paying with Wells Fargo ie different banker? Thanks
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#5
Quote from SyntaxGeo View Post :
What about how long must one pay with Wells Fargo to qualify ie 3 consecutive months? Also what if there is a lapse in paying with Wells Fargo ie different banker?
Pretty sure the paperwork refers it to at least the previous month...but would have to dig it out again.
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#6
Quote from SDSexpress View Post :
Pretty sure the paperwork refers it to at least the previous month...but would have to dig it out again.
Thanks found it in the pdf link "Your Cellular Telephone Protection begins the first day of the calendar month following the payment of the Cellular Wireless Telephone bill using an eligible Wells Fargo credit card. If a Cardholder fails to make a Cellular Wireless Telephone bill payment in a particular month, the Cellular Telephone Protection is suspended until the f irst day of the calendar month following the date of any future Cellular Wireless Telephone bill payment with an eligible Wells Fargo credit card while the Cellular Telephone Protection Benefit continues to be offered"
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#7
Was not aware of that benefit. Thanks!
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#8
If you are a Homeowner and have Homeowner's Insurance (or a Renter with Renter's Insurance), read the fine print

Cellular Telephone Protection is supplemental to and excess of valid and collectible insurance or indemnity (including, but not limited to, Cellular Wireless Telephone insurance programs, homeowner’s, renter’s, automobile, or employer’s insurance policies). After all insurance or indemnity has been exhausted, Cellular Telephone Protection will cover the damage or theft up to $600.00 per claim subject to the terms, conditions, exclusions, and limits of liability of this benefit as well as the twenty-five dollar ($25.00) deductible. The maximum limit of liability is $600.00 per claim occurrence, and $1,200.00 per twelve (12) month period. You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less your twenty-five dollar ($25.00) deductible as recorded on Your documents.

So basically this protection only covers stupid people (people without insurance)
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#9
Quote from Tripp1269 View Post :
Cellular Telephone Protection is [B]supplemental to and excess of valid and collectible insurance or indemnity (including, but not limited to, Cellular Wireless Telephone insurance programs, homeowner's, renter's, automobile, or employer's insurance policies).
I think the point of that is to defer to any other applicable insurance to which they can, in order to avoid payment. It happened at home? File with insurance. It got stolen out of your car? Call you car insurance guy.

In other words, just tell them it happened on the street.
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#10
Quote from Tripp1269 View Post :

So basically this protection only covers stupid people (people without insurance)
1) It's free. 2) It has no chance of raising any rates...since you're not paying for this insurance in the first place.
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#11
Quote from cookiemonster View Post :
I think the point of that is to defer to any other applicable insurance to which they can, in order to avoid payment. It happened at home? File with insurance. It got stolen out of your car? Call you car insurance guy.

In other words, just tell them it happened on the street.
But my home and car have a deductible, and lying about where it happened? I'm sure you need a police report if it was stolen.
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#12
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#13
I'll chime in here just to say this is a worthwhile. I watered my almost new iPhone 6S and took it to the apple store, filed a claim and was out of pocket $35 including tax when I got my reimbursement check. It's the same people who run insurance for other places, Asurion I think.
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#14
as someone who has more than 6 family members who work as independent and affiliated insurance agent, I urge anyone NOT to use homeowner/renter insurance for cell phone claims. If you can't afford to buy a new phone at retail price, you have no business owning a home in the first place. Filing a claim for a damaged/lost/stolen cell phone is not viewed kindly by the insurance companies. There are "nice" insurance companies that don't do this, but most do. Save your claims for big claims like fire, robbery, natural disasters, UFO crashing into your roof or such things. Actually, I many be wrong... UFO crashing into hour owned home is probably not covered anywhere.(like war and invasion or government actions)
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#15
Yeah you're a friggin' moron if you use your homeowner's insurance on sub $1000 claims
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