AppleCare is honestly a great deal, especially for laptops. M1 Macbook Pros from 2020 are humming along just fine for regular people who see no reason to upgrade.
The future is now, old man.
The future is now, old man.
A quick search shows that it's ~$500-$600 to fix the screen if it does break; I didn't bother looking up the keyboard but I'd assume it's much, much less.
So basically, on the off chance that your MacBook does shit the bed in the most expensive way, you save ~$150 or so? But in the almost-certain case that your Macbook is fine, you're down $450?
That is not a great deal at all, haha!
_The_ point of that the article you're commenting on, is that a keyboard replacement on a MacBook is very expensive. Why would you make that assumption?
The "most expensive way" to shit the bed is also not the peripherals of the computer dying, it's the logic board giving up the ghost.
Have done riveted keyboards on non-Mac machines before and would be surprised if an independent shop charged more than about $150 USD for it. It's not that hard to do.
You're right about the logic board being an extremely expensive fix, but it's also significantly less common than something like a keyboard, USB port, speaker or screen.
This is also something extremely Australian-specific, but consumer guarantees would probably cover any logic board damage within the first 1-3 years anyway, regardless of AppleCare warranty.
That is baked into the price of AppleCare just like any insurance premium.
I definitely think coverage should be free for 2 years though.
For accessories I don’t see the point, those are effectively disposable wear items.
Ironically a large part of deciding to migrate to an iPhone from android was final frustrations with even Google purchased devices under warranty coupled with hardware quality requiring repairs. My wife’s experience with AppleCare won me over.
If nothing else it’s first party insurance. I will never purchase device insurance offered via a third party ever again. Either its first party so I’m dealing with the place I bought it or nothing at all.
Which doesn’t tell you a lot because they are pretty bad, too. Being better doesn’t mean it’s a good offer.
Unless for some reason you know you will be breaking your device much more than the average person.
Insurance is for things that are unlikely to ever happen but would financially ruin you if they did.
"Peace of mind" is not free.
Paying ~ten bucks a month to insure my phone and not have to worry about it getting damaged is worth it to me, even if I could afford to replace it if I broke it; because now I just _don't worry about it_.
If you say you worry about the cost, shouldn't you worry even more about the higher cost of the insurance? Sure, for one item the variance is higher if you are uninsured, but if you have several such items, variance goes down, and you are saving all the more money.
I literally toss my phone to my couch or my bed from across the room dozens of times a week without worrying about misjudging the throw (which happens more than I’d like to admit), toss is on the ground at the gym, have no problems taking long baths with it, washing it under the sink if it gets dirty, and do dozens of things I would not do if I had to pay a full price if I ended up actually breaking it.
Having AC+, lets me treat the device with the level of carelessness that is worth the price to me.
Math-wise with how durable recent flagship devices are, you are probably correct that I’d be better off financially to just accept that I will break a phone every couple of years and just eat the cost.
But psychologically, I’m happier paying ~120bucks a year, than $500 in repair fees once in a while.
You are right that it might still feel better to you to pay regularly instead. That's subjective.
Knowing that you will likely end up paying less in the long term if you don't pay the insurance might help getting over that feeling, but that's a personal choice in the end.
AC+ includes what they call "Express Replacement Service", where you will send you an entirely new device as part of your claim, and they'll reuse your old one for parts.
If you _just happen_ to accidentally fall with your phone in hand right after the new ones come out, the delta in price between "a scuffed up, used 1-year old phone" and "brand new refurbished device from Apple" is higher than the price of the insurance and incidental damage fees.
Not sure about Applecare but Lenovo has support packages where if your thinkpad breaks they'll send a technician over to your place to fix it within 24 hours. That's definitely worth it for a work device IMO.
My laptop I'm on the fence about. It's a $3,000 machine that isn't especially robust if dropped, but I haven't broken one in a decade or two. Probably won't pick it up on the next one I buy. The unrepairability of modern Macbooks is what got me to buy it in the first place though. An old Thinkpad I could self-insure for quite cheap because I had the ability to replace any component failure myself. Not so true on the Macbook. I also see it as travel insurance - I can walk into any Apple store in a major city and in theory get a replacement device on the spot. Of course that theory has yet to be strongly tested.
So you just get screwed twice.