I might blame it on motherhood or being in my forties, however the fact is that I’ve all the time been a bit forgetful and accident-prone. I as soon as walked off an airplane with a single AirPod in my ear, whereas the opposite AirPod was tucked safely into its case within the seatback pocket (I obtained it again from misplaced and located on the finish of my journey). One other time, my laptop computer was destroyed midflight when the individual in entrance of me reclined their seat a number of years again.
So, after I came upon my Capital One Enterprise X Rewards Credit score Card is amongst these that include cellphone safety once you use it to pay your month-to-month cell invoice, I knew it was in my finest curiosity to modify my cost methodology. Making that swap was both actually good or a foul omen, as a result of I’ve since used the cellphone safety twice this yr.
My accident-prone life
Earlier this yr, I dropped my telephone on the kitchen ground one morning earlier than placing on the protecting case, and the display suffered a big crack that wanted to be repaired. I paid solely a $50 deductible, and the remainder of the display alternative price was coated simply by paying my month-to-month invoice with my Enterprise X card. If not for the insurance coverage, I’d have paid $350 for the restore.
My telephone suffered a fair worse destiny a number of weeks in the past whereas on project in Curacao. Whereas the beautiful surroundings helped to melt the blow, a defective waterproof case rendered my telephone ineffective after a brief snorkeling journey at my resort. (Facet word: I’ve since heard from many individuals that the waterproof telephone pouches are rather more dependable than the circumstances designed particularly on your telephone mannequin.)
The following morning, after my telephone suffered water injury, the display turned on and off at random as if possessed by a spirit. Shortly after, your entire display turned inexperienced and stated its ultimate goodbye (i.e., it went darkish and by no means turned on once more).
I did buy an affordable telephone in Curacao so I might talk with my household and allow them to know I used to be protected. However realizing my bank card’s cellphone safety would assist me repair or exchange my telephone after I returned house allowed me to take pleasure in the remainder of my journey … and a few extra snorkeling (sans telephone).
Enterprise X cellphone safety particulars
The qualification tips, protection particulars and declare submitting course of fluctuate primarily based on which bank card(s) with cellphone safety you’ve, however to qualify for cellphone safety with the Enterprise X, I merely want to make use of the cardboard to pay my month-to-month cell invoice. Every month that I pay the invoice with the Enterprise X card, I’m coated for the next month.
Associated: Greatest playing cards for telephone safety
The safety covers each line on my invoice and can be utilized as much as two occasions in a 12-month interval (which suggests I must be further cautious till subsequent yr). Cardholders are eligible for as much as $800 per declare after a $50 deductible.
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Enterprise X cellphone safety reimburses you for loss, theft and injury that is not coated by one other insurance coverage coverage (like home-owner’s insurance coverage or AppleCare). It would not cowl issues like beauty injury or cellphones stolen from checked baggage.
Submitting my cellphone safety declare
I started the declare course of by visiting the Card Profit Providers web site, as acknowledged in my bank card’s advantages information. I stuffed out some basic details about my declare and, as a result of I’ve achieved this earlier than, I knew that I would want to add a number of items of documentation to start the claims course of:
- A duplicate of my cellphone billing assertion from the month previous to my telephone being broken
- A duplicate of my Enterprise X month-to-month billing assertion exhibiting that I paid my wi-fi invoice with my eligible card
- A duplicate of the gadget abstract web page from my wi-fi supplier exhibiting that the broken telephone is linked to my wi-fi account
From there, a consultant known as to let me know every thing regarded good and I wanted solely to supply a restore or alternative estimate from a certified restore facility just like the Apple Retailer or Greatest Purchase. I headed to the closest Apple Retailer, the place they knowledgeable me they do not restore water-damaged telephones and gave me a printed-out estimate for the alternative price of my telephone.
I submitted this estimate with my declare, and my reimbursement was authorized the exact same day. I opted to obtain my funds by way of direct deposit.
I knew I used to be eligible for an improve on my now-ruined telephone, so I visited my wi-fi supplier to be taught my choices. I discover cellphone plans unnecessarily complicated, however on this case, every thing labored out in my favor. I signed up for the fitting plan on the proper time and was in a position to commerce in my broken telephone towards my improve. (Most plans solely mean you can commerce in a telephone in good, working order.)
I solely wanted to repay the remaining steadiness on my present telephone to get a more moderen mannequin iPhone for no price, apart from taxes and charges. My cellphone insurance coverage reimbursement greater than coated what I owed on my present telephone, so I basically obtained the brand new telephone free of charge simply by utilizing my Enterprise X to pay my month-to-month wi-fi invoice.
Backside line
Whereas I’d have most well-liked for none of this to occur within the first place, I did come away with a brand new telephone for free of charge to me — save the embarrassment of telling everybody I knew that I ruined my telephone out of the country.
Because of my Enterprise X card’s cellphone insurance coverage, I’ve simply coated the cardboard’s $395 annual price a number of occasions over this yr. I am crossing my fingers and toes that I haven’t got any extra cellphone mishaps, however I am glad to know I am coated if I do.
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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