1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Protection Plan Cost Increase

Discussion in 'DIRECTV General Discussion' started by txfeinbergs, Aug 15, 2012.

  1. BattleScott

    BattleScott Hall Of Fame

    2,353
    7
    Aug 28, 2006
    Don't the T&M techs work on steep roofs?

    But then you've also had one less drink (pretty expenisve one) or lunch with a friend.

    True. But that shouldn't discourage an honest objective discussion of it's merits.

    IMO, while a minimal benefit, this new upgrade wrinkle is the only real value the plan has ever offered (aside from the owned receiver loop-hole). But since my hardware is already "current" it would not add any for me.
     
  2. Rich

    Rich DBSTalk Club DBSTalk Club

    28,308
    656
    Feb 22, 2007
    Piscataway, NJ
    D* has become aware of OSHA's high work rules and ladder rules. Following those rules (actually regulations and highly enforceable with steep fines) makes it damn near impossible to work on roofs without taking the proper precautions. The installers in our area are aware of these rules and do abide by them. Whether they are contractors or not, they're still working for D* and subject to those rules and D* is liable for any injuries.

    Problem with that statement is we don't get all that many "objective" reasons not to have the PP. I could make the same argument for not having auto insurance, I've never had an accident (sober) and I could say I don't need auto insurance based on that. I could also say I don't need life insurance since I have never died. I could go on and on, but I'm sure you get the idea. Just because something has never happened that the PP would cover doesn't mean it's not a good thing to have.

    Rich
     
  3. BattleScott

    BattleScott Hall Of Fame

    2,353
    7
    Aug 28, 2006
    The point is that regardless of PP status, YOU don't have to do it. To have the protection plan because YOU don't want to climb on a steep roof is not a valid justification for it. The same tech is going to do the job on a service call, so the only consideration is does it (or other things) happen enough to warrant paying the PP fee instead of paying for the services if/when rendered.

    That's primarily because there really aren't too many "reasons" to have it or not have it, it all boils down to money. If you have owned receivers or other high-dollar installation pieces, then it can be considered an "insurance policy" of sorts, but for the vast majority of subscribers, it is simply a waste of money. Their leased receivers are the only relatively high failure component and they are covered under the lease agreement.

    Comparing to auto-insurance is ok in some respects, but all-in-all it is not a valid comparison because one of the primary functions of auto insurance is to protect against the very real risk of financial ruin if you are at fault in an accident. The replacement or repair costs of the vehicles is minimal compared to the liability for injuries caused. So the idea of paying an affordable amount each year to protect from that risk is a valid concept. However, paying more than the entire replacement cost of the "uncovered" components of the system every 2 years is not.

    In auto insurance terms, having the protection plan is the equivalent of paying $10,000 to $15,000 a year for insurance that would only cover the repair or replacement of YOUR $30,000 vehicle. Would you pay that, or just take your chances and pay for whatever repairs are needed during the 2 years?
     
  4. bwaldron

    bwaldron Impossible Dreamer

    5,525
    0
    Oct 24, 2005
    I tend to share BattleScott's view. Perhaps a better comparison is to the extended warranties that retailers tend to push on folks. Doesn't mean a person is wrong to choose it, but is it definitely a profit center for those offering. Still...If it makes one sleep better, it might be worth it to that person.
     
  5. raott

    raott Hall Of Fame

    2,295
    70
    Nov 23, 2005
    The objectivity comes purely in the math Rich. I'll preface it again, I'm speaking about those with leased receivers only. I know guys like you that have multiple owned receivers are in a different situation.

    At most, replacing a broken receiver is going to cost $20. At most, re-alligning a dish is $49. In my experience, the equipment is fairly reliable. In 15 years of service, I've had approx 4 issues which consisted of two alignment issues, a broken R15 and a defective HR20. At most, I would have paid $140 (I actually paid zero). It would have cost me over $1000 in that time for the protection plan.

    BattleScott hits it on the head as far as the auto comparison goes. There is no comparison. I pay $60 a month for $300 grand in coverage for auto which can prevent financial ruin in a catastrophic accident. Compare that with what $8 gets you with D*. It sure as heck doesn't get you $30 grand in coverage.
     
  6. TBlazer07

    TBlazer07 Grumpy Grampy

    4,828
    7
    Feb 5, 2009
    Over the last few years and all the "auto-increases" of various fees they cumulatively add up to a lot less lunches out and not just one. Each "one lunch" minimal increase adds up to a weeks worth of food. :)
     
  7. wingrider01

    wingrider01 Hall Of Fame

    1,764
    2
    Sep 9, 2005
    Maybe, maybe not, would have to run the accounting information on my assets to see just how accurate it is. Have more of a issue with the hourly increases in fuel and utilities that we get hit with then the yearly increases in option services. Would guestimate about 3 years of Directtv increases would equal 2 lunchs, not a week

    I use both the plan and extended service warrenties and historically they have paid off in the long run for me. to utilize the services is a personal choice. I prefer having insrance to cover issues.

    As far as the PP goes, very few years have passed that it has not paided for itself in no charge service calls, owned unit and leased unit replacements. SO personally it is a win / win situation for me, same with extended warrenty.
     
  8. n3vino

    n3vino Godfather

    480
    8
    Oct 2, 2011
    Leon...
    I think the extended warranty to cover a big ticket item, with new technology, for example, is well worth it. Such was the case when Sony CRT televisions were having a flicker issue. The manufacturers waranty covered the CRT replacement, but they replaced them with the same defective CRTs. Those TV's sold at about $2,200 at that time.

    To make a long story short, after several calls and part replacements that didn't fix the problem, my set was replaced a year later. I think the manufacturer would have stopped fixing my set after the first year, and I would have been up the creek. Sony stopped using the defective CRT's and began using CRT's made by Panasonic. What happened they gave me credit at Circuit City, and I could buy whatever I wanted. But I knew, through another forum, that Sony had fixed the problem, so I got the Sony I have now. The replacement set is 9 years old and still going strong.

    When I replace this set, I will definetly consider the extended warranty again.
     
  9. bwaldron

    bwaldron Impossible Dreamer

    5,525
    0
    Oct 24, 2005
    Yeah. Although I typically prefer to "self-insure" rather than purchase extended warranties, I made an exception way back in the very early days of plasma TVs, when they cost a LOT of $$, the probability of defects was rather unknown, and the warranty cost was -- I felt -- within reason.

    But with DirecTV, we aren't talking "big ticket" at all -- unless, as someone noted above, you have a bunch of owned rather than leased DVRs.

    Still, if it makes somebody sleep better at night, and they don't mine paying, who am I to argue?
     
  10. Rich

    Rich DBSTalk Club DBSTalk Club

    28,308
    656
    Feb 22, 2007
    Piscataway, NJ
    The point I was trying to make was that D* has to allocate more resources to comply with the high work and ladders regulations. More resources cost more money and those waivers people get on installs and other jobs might not be that easy to get.

    Rich
     
  11. Rich

    Rich DBSTalk Club DBSTalk Club

    28,308
    656
    Feb 22, 2007
    Piscataway, NJ
    We self-insure most things and buy all big ticket items with Amex because they double the manufacturer's warranties. Just had my newest Panny plasma fixed at no charge.

    I've got eight owned HRs and four leased HRs. I've gotta have it. The cost of it really doesn't factor into the decision.

    Rich
     
  12. bwaldron

    bwaldron Impossible Dreamer

    5,525
    0
    Oct 24, 2005
    In your case, it's definitely worthwhile. Somehow I think you are just a little atypical :)
     
  13. TBlazer07

    TBlazer07 Grumpy Grampy

    4,828
    7
    Feb 5, 2009
    Don't get me wrong. I have had the PP since day 1 and think it's worth it (especially since all my equipment is owned). My point was that every time DirecTV has an increase of a dollar or 3 or 4 here or a dollar or 3 or 4 there for one thing or another people usually chime in with:

    Just buy one less pack of cigarettes or nickel bags of weed
    It's less than one beer
    It's only one less tunnel toll

    And my favorite: If you can't afford it leave.

    Just rubs me the wrong way. :sure:
     
  14. macfan601

    macfan601 New Member

    180
    0
    May 3, 2012
    +1
     
  15. 242424

    242424 AllStar

    303
    45
    Mar 22, 2012


    +2
     
  16. Rich

    Rich DBSTalk Club DBSTalk Club

    28,308
    656
    Feb 22, 2007
    Piscataway, NJ
    True, but if they were all leased, I'd still have the PP.

    Rich
     
  17. SParker

    SParker Active Member

    1,588
    2
    Apr 27, 2002
    So this is just in Texas? I haven't received anything here in MI about an increase.
     
  18. directv newb

    directv newb Mentor

    88
    10
    Jun 24, 2012
    As a newb to Directv I had made up my mind that I would pay the $5.99/month and not worry about it, but if the plan gets raised to $7.99/month I will have to cancel. I would not be able to stand seeing that $7.99 on my bill each month, it's kind of a mental thing with me I guess, the $5.99 was fine, but $7.99 not fine.
     
  19. txfeinbergs

    txfeinbergs Legend

    148
    7
    Nov 15, 2005
    May just be in Texas as a trial, not sure. I know the link in my flyer was "TX" specific.
     
  20. Bill Broderick

    Bill Broderick Icon

    2,403
    187
    Aug 25, 2006
    Long Island
    I agree completely. As of November, I will be with DirecTV for 16 years. In that time frame, I've never needed a service call or a replacement receiver to fix a problem. This includes multiple hurricanes without needing a dish realignment (I did co-ordinate a roof replacement with an HD upgrade, which required a new dish anyway). The only thing that I've ever needed was a replacement BBC, which they replaced for free (no shipping charge either). Right now, I'm about $1,100 ahead of the game.

    I realize that there are people who say that they need multiple dish realignments per year or have had many problems with receivers. It just hasn't happened to me or anyone else that I know, who are DirecTV customers. I also understand that there are people who are taking a bigger risk with their equipment because it is owned. But, given that I paid a total of $179 for all three of my HD DVR's, I don't think that there would have been any logical reason for me to want to own my receivers and take that chance.

    IMO, unless you are in a high risk situation, the Protection Plan is a really bad form of insurance.
     

Share This Page