Get a Free Insurance Discount Code with Insure Me

Insure Me is an app aimed at helping people find iPhone insurance at a special discounted rate to guard against theft and damage. While theft and damage are both real possibilities for iPhone users, there is such a thing as handset replacement insurance available through your wireless carrier. Using that logic, I approached Insure Me to see if it is offering anything truly special or all that "secret," as it claims.

Insure Me is free to download and then you “simply” enter your first name, location, and email address and submit it. There is a disclaimer that you can read under “Terms” that essentially implies the Insure Me folks “may” be getting compensation for its use. It doesn’t explicitly state whether its compensation in the form of referral compensation or compensation for providing a list of email addresses belonging to a target audience. Since there is no privacy policy included, one could safely assume the email address you provide could be sold. However, in all fairness, it doesn’t ask for any more personal information than a first name.

After submitting the requested information, you are provided a code and redirected to an undisclosed webpage of a company selling insurance for iPad, iPhone, Laptops, and other cell phones. The code is essentially the same as any web coupon code that you type into a given field at the time of purchase. The code is worth a 10% discount and the site does apply the discount when used.

While the company providing the insurance is not a company I’ve ever heard of, there is a 1-800 number provided and the recording at this number states the company has been in the business of insuring personal property for over 35 years, so I’m assuming it’s a legitimate insurance company. In the United States, you can select only one iPhone policy with $300 dollars worth of coverage and a $50 deductible that includes damage protection. The premiums are about the same as the $4.95 handset replacement insurance AT&T offers (at least in my area).

Insure Me seems to be totally on the up and up as far as providing a discount referral code for iPhone insurance. However it's somewhat misleading promising things like "secret" discounts. It’s not all that useful for comparison shopping as it only provides one carrier and one plan to choose from – not much of a choice. It could be beneficial to those who use unlocked iPhones through another carrier other than AT&T that do not provide similar insurance and depending on where you live, the plan offered through Insure Me's referral might save you four or five bucks each year.

In the end, I would still prefer to strike a deal with my wireless carrier and it's a shame that AT&T won't let iPhone owners buy the same wireless insurance they offer for other devices.

So, for those looking to add iPhone insurance for their mobile device, Insure Me points you to a single possibility. I’d certainly be in favor of shopping around, but the app itself costs you nothing to download and there's no obligation to buy. I do wish the app included a privacy policy, though.