Virgin Mobile Phone Insurance is supposed to give you a "peace of mind that your device can be quickly and easily replaced if it is lost, stolen, damaged, or experiences an out of warranty malfunction. You may also save money on replacement costs, and avoid a trip to the store to shop for a replacement device." This is just not true. After purchasing a Virgin Mobile cell phone for my daughter in December 2011 I purchased the "peace of mind" phone insurance. Just recently the screen on her cell phone started going out. I thought, no problem, I purchased the "peace of mind" insurance so there should be nothing to worry about. Little did I know there were all sorts of problems I would encounter however the biggest issue being Asurion, the insurance provider Virgin Mobile uses charges a $65.00 deductible fee for the insurance I purchased. Why is this a problem? Because the phone itself can be purchased for $65.00 at a store. This is a complete scam. Virgin Mobile needs to do better research with the businesses they are working with. They cannot claim they are "two separate entities" and yet conduct business with each other and fully know they are both ripping customers off! We want our money back as there is no "peace of mind" with covertly preceding in bad business practices. Furthermore, claiming two separate entities only reveals Virgin Mobile either a.) does no research with whom they conduct business or b.) does the research covertly in order for the business to profit off of the customers trust in what they are purchasing. Either way, this is a scam and must be stopped! We demand better business practice with Virgin Mobile! We demand they tell the truth about their products and services and give paying customers their money back for the services they were promised they could use yet cannot.