Free Agent
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2011 Giant XTC MTB FrameSize XSRed |  |
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US $328.00 | 29d 12h 30m |
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Huffy 16 inch Bike Boys Phineas Ferb Agent P | |
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US $64.99 | 9d 5h 1m |
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Rare Intruder 24 BMX Cruiser Intense Redline SE Racing Free Agent GT DK Fetish | |
20 Bids | US $250.00 | 22h 53m |
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Free Agent CROWN Imperial 20 JUMP BMX TOP OF THE LINE bike New | |
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US $399.90 | 26d 2h 52m |
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BADD AND COMPANY FRAME PAD OLD MID SCHOOL BMX DK FREE AGENT ELF SM REVCORE GHP | |
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US $99.00 | 21d 31m |
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Berg Toys Balanz Basic Single Speed Balance Bike 15596100 | |
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US $599.00 | 21d 23h 16m |
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FREE AGENT LIMO OLD SCHOOL BMX MADE IN USA CHROME FRAME FORK REDLINE HUTCH SM | |
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US $299.00 | 28d 1h 37m |
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BABY BLUE FREE AGENT LIMO SCRIPT LOGO MADE IN USA OLD SCHOOL BMX DK HUTCH SM GT | |
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US $399.00 | 28d 58m |
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Free Agent Imperial 20 JUMP BMX BLACK bike New | |
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US $279.90 | 16d 2h 59m |
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FREE AGENT BMX BIKE CROWN IMPERIAL RICK THORNE SIGNATURE FRAME FORK | |
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US $405.00 | 12d 17h 28m |
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Free Agent Team Expert Frameset No Fork Fits 20 x 1 3 8 or 15 Wheel | |
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US $335.00 | 6d 11h 41m |
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Free Agent Team Junior Frameset No Fork Fits 20 x 1 3 8 Wheel | |
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US $299.00 | 6d 11h 36m |
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Free Agent Team Mini Frameset No Fork Fits 20 x 1 1 8 Wheel | |
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US $299.00 | 6d 11h 32m |
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Berg Toys Balanz Xtenz 3 Speed Balance Bike 12596300 | |
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US $999.00 | 13d 9h 4m |
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2010 Bionicon Edison Mountain Bike Size Large | |
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US $2,000.00 | 12d 18h 27m |
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Free Agent Team Limo 24 Frameset No Fork Fits 24 x 15 175 Wheel | |
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US $425.00 | 6d 11h 53m |
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Free Agent Team Limo 24 Frameset WITH Fork Fits 24 x 15 175 Wheel | |
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US $499.00 | 6d 11h 52m |
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Free Agent Team Limo Frameset WITH Fork Fits 20 x 15 175 Wheel | |
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US $405.00 | 6d 11h 48m |
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Free Agent Team Limo Frameset No Fork Fits 20 x 15 175 Wheel | |
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US $399.00 | 6d 11h 46m |
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2010 Cervelo R3SL Carbon Road FrameSize 54cm | |
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US $2,999.00 | 8d 15h 44m |
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NOS Free Agent Super Fortress 20 Bmx Bike Frame | |
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US $295.99 | 5d 7h 13m |
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NOS 09 FREE AGENT EXPERT BMX RACE BIKE BLK COLOR | |
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US $350.00 | 2d 16h 13m |
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AMMACO PAKKA LITE WEIGHT ALLOY FRAME FOLDER 6SPD | |
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US $300.32 | 5d 10m |
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eWheels LLC Urban Electric Bicycle ew 450 | |
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US $1,072.99 | 4d 14h 5m |
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Old School BMX Navajo mini RARE Blazer BMX 2nd gen Free Agent fork | |
0 Bid | US $150.00 | 2d 21h 33m |
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NEW 2008 Free Agent Trail Duster BMX Bike bicycle 20 freestyle trick stunt | |
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US $269.00 | 12d 14h 50m |
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Free Agent Hell Cat BMX Bike | |
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US $185.00 | 3d 17h 52m |
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Free Agent Micro Mini BMX | |
10 Bids | US $112.50 | 3d 21h 39m |
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Free Agent Expert BMX Frame and fork kit | |
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US $200.00 | 4d 1h 14m |
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EXPERT CHEETA CATTRAC RACE BIKE BMX | |
0 Bid | US $400.00 | 2d 12h 19m |
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FREE AGENTBMX CRUISER24ELFTITANCRUPI PARTSBOSSSMREVCORESUPREME | |
0 Bid | US $128.00 | 6d 15h 48m |
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Blue Free Agent | |
0 Bid | US $22.50 | 9d 20h 52m |
Phone Insurance - Is it worth the cost?
Phone Insurance - Why Bother?
When you first buy your mobile phone (cell phone) you probably got pushed to buy the add-on insurance - or maybe you got given a few months free insurance together with the phone.
This free add-on is a clever and very profitable technique which phone dealers use to get you inadvertently into subscribing to the (cell phone) mobile phone insurance iteself. When you get the phone and the free phone insurance you are automatically set up to pay by Direct Debit for the insurance at the end of the free period.
But the question is this:
Yes it protects you - but do you need it?
To answer that you need to answer 2 specific questions - the answer to which varies from person to person.
- Do you want to cover the cost of replacing your phone?
- Are you worried about being without your phone for an extended period of time?
If your phone is Pay As You Go then you will be acutely aware of how much a decent phone costs because that is what you paid when you bought it.
In fact, pay as you go phones are not actually the real cost of the phones because mobile phone operators slightly subsidise the cost of the handset. This is because these phones are usually locked to only work on their network, so they make up for the loss on the cost of the phone calls.
But they are not discounted by much (relative to the discount given to Pay Monthly contract customers) because they can be unlocked to use on other networks. However, most people do not do this - so the network knows they will get that customer's calling minutes and business.
If you are a Pay Monthly contract customer, chances are that you did not pay anywhere near the real cost of the phone - they get heavily discounted. Your money is as good as in the network's bank - so they can afford to incentivise you into the contract with a discounted handset.
Yes it was free on a new contract - but it wont be to replace.
So get a pay as you go phone if you need a quick replacement (you will certainly have topay for it). So that is your replacement cost.
As a contract customer this wil be considerably more than you thought it would be. For example the Apple iPhone is around £300 or US$400 to replace. That will hurt your wallet if you have lost it, or damaged it or some idiot has stolen it - for that you wowuld most likely want specialist iPhone insurance.
So how are you going to pay for it?
That is what mobile phone insurance is for. But is it worth it?
Unfortunately there have been many insurance operators who have fleeced the customer and charged high prices for an insurance policy that just did not make economic sense. EG you'll most likely be paying out £7 to £10 every month after the free period - which is much more than it should be.
Now if your phone is top of the range and expensive to replace, this might make sense, but not if you have a basic 'I just want to make and receive calls' type mobile phone.
So the insurance needs to be tailored to what phone handset you have.
If you have a cheaper phone, then it will be cheaper to replace, therefore the phone insurance should be cheaper. A more expensive phone should have a more expensive mobile phone insurance policy.
So that is a key decider in who you choose to insure your phone; can they tailor or offer a policy for your specific phone handset?
While you are looking at the financial side of covering the cost of replacement, you also want to consider whether the phone insurance company insist on a long term contract; many do, some do not.
If you must sign a 12 month contract (standard with many) then the cost of the insurance is a straight forward calculation of 12 months multiplied by the monthly cost. If this amount is bigger than the cost of replacing the phone yourself (by purchasing a Pay As You Go handset) then the insurance is not worth buying.
If there is not a 12 month contract then you are free to do as you choose.
If you are a Pay Monthly contract customer then there is another consideration. Once you are not tied to the contract you can either upgrade to a new (replacement) handset or go to a new network.
So towards the end of your phone contract the mobile phone insurance has less and less value and worth to you as a customer because you are at less risk of having to pay out a big bill to replace the phone.
NOTE - You will have be exposed to the full cost of replacing your phone once you get an new upgraded mobile phone. You would have to pay the full price to replace your mobile phone if it was lost, stolen or damaged, so you are more likely to want to have mobile phone insurance.
Often, people say they can get their phone insurance via their home and contents insurance - but if you make a claim for a (relatively small) phone cost, what is going to happen to your no-claims bonus and your home insurance premium cost next year?
So getting mobile phone insurance is about sensibly minimising the risk of having a big replacement bill, without spending hugely on the monthly insurance policy.
The best way to achieve this is to use an insurance provider who does not have a 12 month contract and who has the right price insurance policy for your phone (not a 'one price fits all' policy)
Read part 2 of this article answering the "Are you worried about being without your phone for an extended period of time?" part here - coming soon...
Fantasy Focus: Week 12 Free-Agent Finds