Developer: GadgetSure LLP
Price: free Download on the App Store
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.
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.