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Thread: Extra Insurance On Electrical Goods

  1. #1
    Regular Member Ben H's Avatar
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    Default Extra Insurance On Electrical Goods

    Was killing some time looking at teles in a well known chain electrical store which is a bit like an asteroid when I started listening to a salesman explaining to a young couple that if you buy the insurance, when the 3 years is nearly up break it then bring it back for a replacement & in 3 years time you'll only get better value product for your money / replacement.

    Do you reckon this goes on or was it just buy my scam & I'll sell the same bull to the next mug tomorrow?
    My brother in law made a claim on his house hold insurance for an incident and they basically gave him the choice of what he wanted to the value of the original purchase price.

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    Regular Member Gsi3.2's Avatar
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    hmmm..i'm no fan of this 'extra' insurances..it always seems a bit of a ripoff to me..

  3. #3
    [Ex]Admin Duncan's Avatar
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    As above - I've never taken any of them out. For the cost of them you may as well keep the money and use it towards any repair it may need, and that is more than often less than the warranty thing taken out. They make huuge amounts of money from these warranties, simply because they cost so much in relation to the value of the goods and the fact that they are generally more reliable than ever.

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    They tried to sell me this when i bought my new telly, £120 or something rediculous! The telly was £749 as it was and i could just about afford that!

    But saying that my mate swears by them. His old 32" LCD (non HD, about 4 years old) had a load of dead pixels in one corner and he had a 5 year insurance, so he rang them up and they sent a courier to pick it up, then refunded him £800 lol so he added another £200 and bought an LG 50" HD ready LCD.

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    Regular Member john_k_sri's Avatar
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    Default

    Most electrical appliances outlive their original warranty and indeed an extended warranty. Not unusual at all for a TV to last in excess of 10 years, for example. Ironically to get rid of the standby function on appliances, to 'help save the planet' as has been mooted will shorten appliance life and play into the hands of the manufacturers and retailers. There is a lot of bull being spouted about the power consumption of appliances when in standby. I once went to help my brother choose a PC and told him to refuse the extended warranty, as the salesman said that if anything went wrong outside the manufacturer's warranty period, the whole PC would have to be replaced. Replace the bit that's broken said I. Not another word on the subject of extended warranties said he. Extended warranties make a large part of the profits of places like PC World, as retail prices have steadily gone down, due to market forces, competition ,and the Internet. Just one monumental scam. At least Dick Turpin wore a mask, as someone once said.
    Last edited by john_k_sri; 24th September 2007 at 21:58. Reason: amendment

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    Regular Member yorkshireborn's Avatar
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    the sales men get 40% of the extra insurance thats why they try so hard to flog it u.

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    Regular Member Ste's Avatar
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    I bought a washer from said Comet, salesman pressured me to buy the extended warranty too. I simply said that if he thought the washer would not last 3 years then I don't want it at all. Then he shut up, I didn't buy the rip off warranty (I personally can prove that ANY warranty is not value for money statistically)

    Bought it, and it's never missed a beat in 6 years.

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    Regular Member Deadman's Avatar
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    Quote Originally Posted by Ben H View Post
    break it then bring it back for a replacement & in 3 years time you'll only get better value product for your money / replacement.

    ....just like the cover you get with your home contents insurance that costs a damn sight less then? Not worth it and I have actually walked away from an imminent purchase after telling the salesperson once already that I didn't require the 'extra service'.

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    Regular Member ditchp's Avatar
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    brought the extra cover insurance for a stereo a good few year's ago now, covered all repair's for 5 yrs and if no claim was made then a full refund was given, i got my money back after the said 5 yrs without as much as a blink of an eye
    Midlands Mod Shop - NFFC.

  10. #10
    spoons
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    Lol - I never buy extended warrantees except for Mobile Phones... and I've genuinely claimed on the insurance just about every year !!... bl00dy things !!

    Anyway... the worst insurance I was ever offered was on a bedside alarm clock costing £19.99... They wanted £10 to insure it for 12 months extra !!

    I laughed.... and politely said no !!

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