One Cover For All

10past6

I've been looking at some of those insurance schemes where you make one payment that covers microwave / fridge freezer / cooker / washing machine etc., etc., in the event of breakdown / failure are they worth the money?

The reason I'm asking, I don't have the funds to replace an individual item, I was also looking at Home serve, who do emergency call out for electricity, is this worth the annual fee?

Any suggestions will be most welcome.

Doozergirl

If you paid that money into a savings account every month, you will have more than enough to cover the cost of one new item by the time you need it. They don't all go wrong at the same time - even if they did you can get great stuff, good looking, nearly new on ebay for about £50!

You can also buy a decent new microwave for £40, what's the point in covering one at all?

We looked at the British Gas deal for our in laws and within a year they could buy themselves a brand new boiler, let alone fix the old one!

Electrics, if they are sound should go on for ages - I'd never bother covering the electrics, would rather pay for an inspection and budget for any remedies.

10past6

Doozergirl wrote: »

nearly new on ebay for about £50!

Thx, I've never used EBay in my life, wouldn't know where to begin tbh, and who to trust, that being said, if I can get a FF for a decent price, I'd be interested

Doozergirl

The nice thing about buying larger items on ebay is that you generally agree to cash on collection which means you can check the item over. We bought a almost new 1400 spin Hotpoint washing machine in silver. H picked it up from a beautiful house in Wandsworth - they were building an extension and were replacing everything with new.

We also bought a Belling electric cooker for £50, again virtually immaculate which the owners were selling because they were moving to a house with inbuilt hob and oven. H had to pick it up on moving day when they were moving their stuff!

We also bought a lovely FF for £100 - they even gave us the receipt as it was still in warranty - they'd just bought an even bigger one on ebay themselves.

I think as long as it's cash on collection, you can make a decision but we've met some lovely people. I now have a new John Lewis kitchen - used only for a photoshoot - for which I paid £500!