Would you take out extra insurance on Panasonic TZ9 camera from Currys

Donnie

macman wrote: »

Only if you are in the habit of dropping your cameras, in which case the best option is to cover it via your home insurance 'personal belongings outside the home', as fwor rightly suggested. By coincidence I did just that today and got £2,500 of cover for £25.

Unless you are suggesting that DSG extended warranties offer good value, in which case I have to question your sanity.:D

Seems you are a bit slow on the uptake today... but I'll make a third post on the insurance in the hope that it makes it more clear.

My idea:

Product Features:
Extended Warranty, provided by Allianz Insurance plc (we, us, our), offers you the following protection:
Breakdown cover for your product following the expiry of the manufacturer’s guarantee. 3 years in total
Accidental damage cover from day one for the duration of the policy. Again, 3 years.
Price: £18.99


Your idea:

Person belongings insurance: £75 for the same period and sadly no breakdown insurance included.


Always best to peruse the thread before posting, eh?

Donnie

Stompa wrote: »

IMO extended warranties are generally unnecessary, just a scheme dreamt up by retailers to extract more cash from the customer.

FWIW it looks as though you can currently get a TZ10 for a bit less that a Currys TZ9:

http://www.hotukdeals.com/deals/panasonic-lumix-tz10-238-74-30-cash/721503?page=2

Didn't know about the Cashback with Panasonic. If that is available, then the TZ10 is still an attractive deal at Amazon (£250 minus £30)with the insurance. £240 in all. Unless someone can find cheaper independent insurance to go with the Comet deal.

Stompa

Donnie wrote: »

Didn't know about the Cashback with Panasonic. If that is available, then the TZ10 is still an attractive deal at Amazon (£250 minus £30)with the insurance.

It looks as though you have to have an in-store demo to qualify for the cashback, so Amazon would be no good.

http://www.panasonic.co.uk/html/en_GB/Dealers/LUMIX+DMC-TZ8+%26+TZ10+Cashback+Offer/Lumix+TZ8+%26+TZ10+Cashback+T%26Cs/3112812/index.html#anker_3112814

Donnie

Stompa wrote: »

It looks as though you have to have an in-store demo to qualify for the cashback, so Amazon would be no good.

http://www.panasonic.co.uk/html/en_GB/Dealers/LUMIX+DMC-TZ8+%26+TZ10+Cashback+Offer/Lumix+TZ8+%26+TZ10+Cashback+T%26Cs/3112812/index.html#anker_3112814

But would it be any good for Comet online either?:

and you purchase a qualifying product in store from the same dealer

Now all one has to do is find similarly inexpensive insurance that isn't tied to a dealer and all will be well.

libra10

On a similar theme I have just purchased a new laptop from The Sony Centre. I declined their offer of 3 year extended warranty at a cost of approx £147 ish.

Should I have accepted or will I get comparable laptop insurance elsewhere?

Any advice appreciated.

Stompa

Donnie wrote: »

But would it be any good for Comet online either?

Good point, some of the posts on HUKD seem to suggest that it can be done online, though of course none of them will actually have received their cashback yet.

Donnie

libra10 wrote: »

On a similar theme I have just purchased a new laptop from The Sony Centre. I declined their offer of 3 year extended warranty at a cost of approx £147 ish.

Should I have accepted or will I get comparable laptop insurance elsewhere?

Any advice appreciated.

You can save £7(link)

I think you are stuck with Sony, unless someone knows different.

libra10

Thanks donnie.

Have saved link and will insure tomorrow.

Usually I haven't insured a laptop but previous laptop is currently back at Sony with a suspected faulty graphics card.

The laptop is 2.5 years old and if graphics card faulty they are going to repair free of charge. It seems G/C is guaranteed 4 years.

I thought with this PC it is better to play safe.

Thanks for help, sorry for hi-jacking thread

fwor

Donnie wrote: »

Seems you are a bit slow on the uptake today... but I'll make a third post on the insurance in the hope that it makes it more clear.

My idea:

Product Features:
Extended Warranty, provided by Allianz Insurance plc (we, us, our), offers you the following protection:
Breakdown cover for your product following the expiry of the manufacturer’s guarantee. 3 years in total
Accidental damage cover from day one for the duration of the policy. Again, 3 years.
Price: £18.99


Your idea:

Person belongings insurance: £75 for the same period and sadly no breakdown insurance included.


Always best to peruse the thread before posting, eh?

What ~is~ clear is that you are not comparing like with like.

macman's £75 (3 * £25) covers ~all~ of his personal belongings up to £2500. If he goes out with a camera, satnav, mobile phone, iPad and expensive binoculars (say) then they are all covered, and if he goes out the following day with his laptop and iPod, they are too. With your approach he would need a separate policy for each and every item at risk - and one for anything else he might buy during that 3 years.

I agree that compared to typical DSG extended warranties the Amazon one is cheap, but personal belongings cover on your home contents insurance is ~still~ (IMO) the more cost-effective approach.

And before you refer to it again: I don't value the "breakdown cover" because if it has an inherent fault I'm covered anyway by my consumer rights.

Donnie

fwor wrote: »

What ~is~ clear is that you are not comparing like with like.

macman's £75 (3 * £25) covers ~all~ of his personal belongings up to £2500. If he goes out with a camera, satnav, mobile phone, iPad and expensive binoculars (say) then they are all covered, and if he goes out the following day with his laptop and iPod, they are too. With your approach he would need a separate policy for each and every item at risk - and one for anything else he might buy during that 3 years.

I agree that compared to typical DSG extended warranties the Amazon one is cheap, but personal belongings cover on your home contents insurance is ~still~ (IMO) the more cost-effective approach.

And before you refer to it again: I don't value the "breakdown cover" because if it has an inherent fault I'm covered anyway by my consumer rights.

Consumer rights :rotfl: Whilst you are still arguing with your dealer about consumer rights with your two year old laptop, my laptop will be fixed at no cost and under my fingers.

Please, how many people on this forum have had their laptops fixed for free after a few years by mentioning their consumer rights?

Of course both of you are taking the HUGE leap that the OP even has Contents Insurance in the first place. Even if they did and they spilt a cup of tea on the laptop at home...what happens then?

Don't try insult my intelligence. How can I compare like with like for such dissimilar products?

So, if the OP has Home & Contents Insurance, a plethora of portable items that might be covered an extension of that policy and are liable to be taken outside and is willing to spend an extra £25 a year for 'accidental damage outside the home' that is well and good.


But as it is the OP asked about an Extended Warranty for a camera, not 'accidental damage outside the home' and hope that they respect my consumer rights if water get into the lens insurance'. Never mind asking what the excess may be.:D

The insurance for £19 covers his request most adequately.