Why does koodo charge more for applecare+ then apple does? and why do koodo employees lie about how applecare+ coverage works?

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when i purchased my phone two years ago they recommended applecare+. i normally do not buy warranties, but was sold on this one because it sounded good. I was told i would pay 9$ a month for two years, and in that two years I would receive two repairs for accidental damage. They explained this would work that there is a 169$ deductible on my applecare. And that once i had paid 169$ in monthly payments, my repairs were covered under my apple care. This is completely false, and apple has told me i was lied to. Also, apple charges 169$ for applecare on my phone line, yet koodo has charged me 9$ a month, for 24 months. for a total of 216$. So why have i been charged more then a product is worth? why have i paid 216$ to pay for a 169$ repair? This is completely not what i was sold on, and would have never have bought it if the salesman had not misrepresented the product. Now that i need a battery repair, because my iphone battery is faulty, I would have only had to pay 35$ for out of warratny replacement, but now i have paid 6 times that amount. As a university student, this plan was represented as a way to save me money for potential problems. However, it has cost me hundreds of dollars due to misrepresentation.
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Geordi Lavallie

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  • Very frustrated, and lie to.

Posted 4 months ago

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Allan, Mobile Master

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I believe it's more expensive because you are only paying for it monthly, (you don't have to pay the whole amount up front) and afaik you can cancel it whenever you want with Koodo so you don't have to stick around for the full 2 years. 
As well, warranty's are a gamble. If you break your phone enough you will get the most out of it. If you never damage your phone then it will be a 'waste'.

As for whatever information was told you by the Koodo rep, I'm sorry they gave you wrongful information or that the information wasn't transparent.
(Edited)
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Geordi Lavallie

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I was told purchasing through them was the same as purchasing through apple. There was also three employees at the store at the time of my purchase. Why did not a single one of them stop the salesman and correct his false information? I have never purchased warranty on products, but did on my iphone due to what i was falsely told. I am out over 200$ because I was lied to. how is this okay?

after talking with apple, I was given literally no accurate information. I was lied to about the coverage, I was lied to about the functionality, I was lied to about the length of coverage, I was even lied to about the price. 
(Edited)
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David, Mobile Master

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I was told i would pay 9$ a month for two years, and in that two years I would receive two repairs for accidental damage. They explained this would work that there is a 169$ deductible on my applecare. And that once i had paid 169$ in monthly payments, my repairs were covered under my apple care.
You describe it exactly (almost). You pay $9 per month for AppleCare. A total of $216 (Apple Retails it for a $199 lump sum). With this insurance you get to make a number of claims for damage, or for manufacturer's fault issues beyond the normal 1 year warranty period. There is a deductible for any damage claim, as described on Apple's AppleCare webpage:
AppleCare+ for iPhoneEvery iPhone comes with one year of hardware repair coverage through its limited warranty and up to 90 days of complimentary support. AppleCare+ for iPhone extends your coverage to two years from the original purchase date of your iPhone(1) and adds up to two incidents of accidental damage coverage, each subject to a service fee of $39 for screen damage, or $129 for any other damage, plus applicable tax.(2) In addition, you’ll get 24/7 priority access to Apple experts via chat or phone.  
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Geordi Lavallie

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apple retails is for 169.99 actually. i have been charged 216. 

the deductible was described as my monthly payments which would be used against a repair, explained to me like this: 39$ for screen damage, 129$ for any other damage. As long as i had paid that from my monthly payments, the repair would not be a charge. So no the way it was described upon sale was not at all how it works. They also told me that after two years of payment, the plan lasted for the lifetime of my device, which is definitely not the case as explained to me by the apple rep i talked to.

absolutely none how it was explained is how it works. 
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Geordi Lavallie

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https://www.apple.com/ca/shop/product/S6357Z/A/applecare-for-iphone-8-iphone-7-and-iphone-6s

here is the link to apple canada. Showing 169.99$ for my iphone model
So why have i been overcharged when I was directly told that purchasing through koodo would be EXACTLY the same as purchasing through apple? 
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Dinh, Mobile Master

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Geordi,
Monthly payments are not the same as a lump-sump amount, and there were risk to Koodo from it. They are not always good for carriers.

For example, if you breaks your phone twice during 1st year, you could get the apple care+ replacement twice. After those incidents, you can decide to stop 9$/month, upgrade your phone or cancel the plan with Koodo. In those cases,  you would only pay $108(9x12) for the benefit of $169 lump sump. Again, this is just an example of some differences between monthly payment vs lumpsump.

As it has been 2 years since you agreed to buy the Koodo Apple care+, I wondered if the sale staff was still there. Did you receive any papers with the purchase that supported your case? You could try to make a claim, but I am not sure if it helps.
(Edited)
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Ivan, Mobile Master

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"The same" refers to the fact that Apple is officially handling your warranty claims. It does not mean the same price. The extra money is charged for splitting the total amount monthly. Most companies won't give you an interest-free loan in most cases. While it is more expensive overall, there is the benefit of cancelling early if you change your mind. You won't get any money back from Apple if you buy from them and no longer want it halfway through the term. 
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Geordi Lavallie

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When I ask a sales rep "is buying from you the same as buying from Apple" and the answer is "yes" then that indicates I am buying the same product. Not the same product at a higher rate and different payment method.

It's completely unacceptable to knowingly misrepresent something to a customer
(Edited)
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Dinh, Mobile Master

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@Geordi: What was the location you bought the product? Did you have the documents handy? can you post it here?

My advice is: when you walk into a non-Apple store, please don't ask if they are the same as Apple.
(Edited)
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Allan, Mobile Master

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@Geordi I wouldn't personally have taken it that way. I don't think anything was misrepresented.
In the end, you paid more because you chose to pay monthly and have the ability to cancel whenever you wanted to.