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Comment by giantandroids | Hacker News Reader

I only ever get insurance for significant life disasters. Home insurance, vehicle and overseas medical insurance (European so I don't need domestic health insurance).

When it comes to something like a phone, I just figure 'it's a risk I am willing to take'.

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> European so I don't need domestic health insurance

Just a reminder that Europe is not a country, and this statement is not accurate for many Europeans. It's perfectly fine to say this about a country in which you understand the system, but this doesn't even apply to all EU countries, let alone the continent.

Northern European then (although its quite obvious what I meant).

I agree that it's obvious to both of us, but there are regularly comments that seem to indicate that it's not always the case for people from other regions. No one needs more generalizations about the continent. :)

(Or about any continent, obviously.)

> When it comes to something like a phone, I just figure 'it's a risk I am willing to take'.

I feel like the option to insure a phone is a money grab.

An add-on that allows you to upsell a bit more.. it seems like a thing nobody should need.

Same for insuring against have to cancel you vacation.. nobody should ever do that.

But people do, probably because there is a checkbox at checkout that allows you to easily add an "insurance".

I can buy another phone if I broke my phone, but I prefer to sign up insurance for about 1-2 years as a fee to use my phone roughly. It makes me to be able to use phone without much care, like using a case and avoid water even though the phone is IPX8.

You have probably done this already anyway, but it is worth checking the travel insurance included with your credit card. Many people are overinsured when it comes to travel (overseas medical) insurance.

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