I've complained in the past about the issues I've had with Cingular since moving to Boston (see here and here). Their coverage is crappy and their service when I've tried to get anything changed or done has been abysmal.
Well today that changed! I stopped by the store because my phone has been on the fritz. One of the buttons (the one that gets me to my phone book) doesn't work very well. The guy at the store, after looking at my account and phone, informed me that even though I don't already have phone insurance, could purchase it now and use it after a 15-day waiting period. This way I pay a $50 deductible and get a new phone (either the same model I have or an equivalent one) without having to extend my contract.
Reading through the terms of the insurance policy was quite amusing. The following are certain scenarios under which my insurance policy will not cover my phone:
A. Nuclear Hazard, meaning any weapon employing atomic fission or fusion; or nuclear reaction or radiation or radioactive contamination from any other cause. But we will pay for direct physical "Loss" caused by resulting fire if the fire would be covered under this "Coverage Certificate."
B. War, including undeclared or civil war...
C. Governmental Action, meaning seizure or destruction of property by order of governmental authority...
I kid you not. The best part is that, if a nuclear bomb goes off, I now know that it's important to throw my phone into the resulting fire in order to have it replaced. If I just let the EMP and radiation get to it, I'm screwed.