Domestic & Genral Insurance

rain_dropz

Hi,this is question about domestic n general insurance company. My sisters washing machine started playing up so she contacted them. They came,checked it out and said its unrepairable. So then they said we'll contact
you to let you know what we can do. after a few days she received a letter saying they'll deliver a new machine if she pays 300 quid! shouldnt they just replace it as she has insurance? i dont get it. We had insurance for our tv and when it broke,they sent us vouchers to buy another set..

wonka

Maybe she agreed to pay an excess when she took the policy out? This would have kept the cost of the premium down.

GT60

It depends on how old the machine is.

for each year you get less so for say 5 years domegen will put 40% towards the cost of a replacement machine.

CKdesigner

Na! Doesn't sound right. I think you better give them a call. Have they told you what machine they are delivering to you?

This is all wrong, years ago D & G would send you a cheque to the value of an equivlant replacement model (as effectively the policy would have fully paid out) then you could go into a retailer and purchase a new washing machine and again purchase another extended waranty, if you wanted it.

Have thay also told you how long the waranty is with the new machine?

Actually, I would try and get a cheque out of them and say you want to decide for yourself what your new washing machine will be not them.

CKdesigner

niall24 wrote: »

It depends on how old the machine is.

for each year you get less so for say 5 years domegen will put 40% towards the cost of a replacement machine.

Hi, it never used to be like that. Check the policy documents, it always used to be 'new for old'.

If they really do take depreciation into account these days, it proves yet again what a waste of money these insurances are.

GT60

Anotherthing is the new machine comes from comet

deanos

When you take out a repair plan during the manufacturer's guarantee

A brand new appliance if we replace yours

If a repair is approved, we may replace your equipment with new equipment of the same or similar make and specification, if we decide not to repair it.

---

When you take out a repair plan after the manufacturer's guarantee:


A contribution towards a replacement may be approved
If a replacement is approved, we may replace your equipment with new equipment of the same or similar make and specification, if we decide not to repair it. If we decide to replace your equipment we will ask you to pay 50% of the current retail price of the equipment in the first year of the plan, 60% in the second year, and during the 3rd and subsequent years 70% of the current retail price

http://www.domgen.com/products/extended-warranty/exclusions.html

rain_dropz

Thanks for the advice guys..gonna tell her to give them a call because what is the point of insuring something and then having to pay if it breaks down or whatever.

zax47

Has everyone missed the point that it was a repair plan she has, not a general all risks insurance policy? As you can see from the information in post #7, outside of the manufacturer's warranty period it's there to cover repair costs, not replacement, and as such has limited value if a total replacement is needed.

Perhaps, if she feels she was misled about the actual "value" of the "insurance" she has some claim for it being mis-sold? As ever, caveat emptor and read the small print!