extended warranties... whom to buy them from?

CoolHotCold

dreamypuma wrote: »

If the OP is really that worried, they should maybe read reviews on each of the appliances to identify known issues and avoid certain brands (Hotpoint / Indesit) or flawed products.

I personally have never purchased a extended warranty from the retailer, and never had an issue with electrical items or appliances failing at my expense.

Oh I have, I purchased a el cheapo £60 digital Camera from PcWorld, a extra £12 for 3 years instant replacement for accidental damage which means if I drop/sand/whatever within 3 years I can just take it back and walk out with a brand new one/upgrade.
It really is a case of checking what you are protected for/deciding if its worth the hassle of going down the SoGA route.

And they just don't make washing machines/freezers like they used to.

Apples2

CoolHotCold wrote: »

Oh I have, I purchased a el cheapo £60 digital Camera from PcWorld, a extra £12 for 3 years instant replacement for accidental damage which means if I drop/sand/whatever within 3 years I can just take it back and walk out with a brand new one/upgrade.
It really is a case of checking what you are protected for/deciding if its worth the hassle of going down the SoGA route.

And they just don't make washing machines/freezers like they used to.

It's not about what it says on the tin, it's about what happens when you open the tin!

We see no end of complaints about all these "no matter what" type warranties. Claiming on it can be somewhat different to the way it is sold.

My right teste says that on two years time your camera will no longer be stocked and their interpretation of an "upgrade", will be somewhat different to your own (or that of review sites).

Still, only £12 though so it isn't as if it breaks the bank.

Born sceptic me, I think my stuff will break down at some point but I also think a warranty isn't going to live up to its claim so I stick a little away every month to cater for it.
Chances are you could get a MUCH better product for less later on anyway...and I'd be bored with it by then.

squeaky

I "bank" the money I might otherwise be paying for these insurances too. As has been said so eloquently in the previous post - they don't all cover what they might, and by the time something breaks down outside the normal guarantee you can often buy the same standard product for less, or get a better standard for your money.

In the end it comes down to a value judgement. If you think the extended warranty suits your needs and is an acceptable cost - then by all means go for it. But do give it a long hard look with a jaundiced eye first.

paddyrg

All warranties are not born equal! Beware! Check *exactly* what is covered - parts, callout, labour, replacement like-for-like, replacement new-for-old, a partial refund dependent on age, etc. Do the company arrange everything, or do you need to contact them, get the numbers of approved engineers, phone the engineer, get a callout, pay in cash, then try to recover it from the insurer? If you don't check all this stuff, you may as well just send *me* the £90.

CoolHotCold

Apples2 wrote: »

My right teste says that on two years time your camera will no longer be stocked and their interpretation of an "upgrade", will be somewhat different to your own (or that of review sites).

Still, only £12 though so it isn't as if it breaks the bank.

Oh yes, I quite understand. But it says in black and white that it will be replaced to similar specifications (to the value you paid) or credit to another camera and as Esquir shall confirm (i hope) Dixons Retail allows you to put more money to buy better.
But £4 a year on a device with miniature sensitive moving parts is pretty good.

My left testie says my Camera will be out of stock and no longer made in 3 months.

Esqui

CoolHotCold wrote: »

Oh I have, I purchased a el cheapo £60 digital Camera from PcWorld, a extra £12 for 3 years instant replacement for accidental damage which means if I drop/sand/whatever within 3 years I can just take it back and walk out with a brand new one/upgrade.
It really is a case of checking what you are protected for/deciding if its worth the hassle of going down the SoGA route.

And they just don't make washing machines/freezers like they used to.

Love those Instant replacements On my 5th camera in 3 years...because I'm awful at keeping them safely packed away

And CHC, I shall confirm:

You get the original purchase price towards a replacement. You can add more money to that and keep your original agreement....unless the new camera's value exceeds £150, which puts it outside of the IR bracket.

shortchanged_2

Esqui wrote: »

Love those Instant replacements On my 5th camera in 3 years...because I'm awful at keeping them safely packed away

And CHC, I shall confirm:

You get the original purchase price towards a replacement. You can add more money to that and keep your original agreement....unless the new camera's value exceeds £150, which puts it outside of the IR bracket.

Not being funny though Esqui but you have a VI in promoting the sale of these after sales warranties.

fluffnutter

Why do people think that warranties are sold? Because they make money. Simple. The likelihood of your item breaking down in the period covered varies of course, depending on what it is, but generally speaking will not warrant the extortionate cost of a warranty. The worst I encountered was when someone tried to sell me a £98 year's warranty on a £110 vacuum cleaner. I'll take the risk, thanks! Plus, I'd expect a vacuum cleaner to last more than a year, so if it didn't I'd pursue it under the SOGA.

A fridge will be expected to last more than five years - they're about the most durable of all white goods. Save your £90, OP and relax.

Esqui

shortchanged wrote: »

Not being funny though Esqui but you have a VI in promoting the sale of these after sales warranties.

At work, yes. But I'm not at work, and I'm capable of taking a step back and talking about them objectively.

(and it's not always worth it - a few weeks ago, we had a cheap cooker hood down at £30. For some, bizarre, unknown reason, you could also buy 3 years at £30, or 5 years at £50. Surprisingly, no-one did!!)

shortchanged_2

Esqui wrote: »

At work, yes. But I'm not at work, and I'm capable of taking a step back and talking about them objectively.

It doesn't matter if you're in work or not Esqui. Fact is you are promoting them on this forum knowing that you benefit from selling them at your workplace. You are still attempting to put a positive spin on them to readers of this forum.