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Curry's TV Insurance

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  • Faith177
    Faith177 Posts: 2,927 Forumite
    Part of the Furniture 1,000 Posts
    As others have said the Currys warranty normally covers breakdown which your home insurance won't.

    Also if you claimed through your home insurance you would have to pay your excess and also your policy would be loaded for up to 5 years after the claim date.

    Not quite the same but I claimed accidental damage for a laptop claim cost was £660 my premium went up by £150 on average and I still have another year on it
    First Date 08/11/2008, Moved In Together 01/06/2009, Engaged 01/01/10, Wedding Day 27/04/2013, Baby Moshie due 29/06/2019 :T
  • Norman_Castle
    Norman_Castle Posts: 11,871 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 4 August 2014 at 8:54AM
    If you had put £4 in a jar every month you would now have £76 towards your next TV.. John Lewis and Richer Sounds TVs have a five year warranty.

    £4 x 12 months = £48. £48 x 5 years = £240.

    In five years time £240 is likely to buy a SuperSmart, 4D TV.
  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    Wrong.

    EU directives require a 2 year warranty on all electrical goods. UK law must incorporate that. It was decided that SOGA already met this requirement, and courts have been enforcing it as such.

    It was felt that SOGA exceed the requirement by Europe and thus we do not have a minimum 2 year warranty. SOGA was not changed however and there is no "2 year minimum" in the wording and so if a court decided that a product's reasonable life was less than 2 years there would be no redress here despite the EU directive saying a minimum of 2 years.

    Now obv a TV is supposed to last more than 2 years but just to clarify the above
  • Faith177 wrote: »
    As others have said the Currys warranty normally covers breakdown which your home insurance won't.

    Yes, but it's still a rip-off because with warranty and SOGA protection it just isn't worth the asking price. Currys also stiff you with a sub-par warranty, when Richer Sounds, John Lewis, Panasonic and many others are offering 5 years as standard and are usually cheaper anyway. Amazon are pretty good as well if you want the absolute lowest price.
    Not quite the same but I claimed accidental damage for a laptop claim cost was £660 my premium went up by £150 on average and I still have another year on it

    The trick is to do some test quotes on comparison sites about a month before your renewal. You will find that your current provider is then much more competitive in their offer. If not, just switch.

    I had two no-fault car accidents last year. Aviva were originally looking to add about £150 to my premium. Did a few comparisons and the renewal offer came in at within £10 of the cheapest rival, with better cover and lower than the previous year.

    In any case, it is always going to be cheaper than extended warranties unless you are incredibly unlucky. They only offer them because most of the time you pay them money for nothing, which if you saved yourself on all the products you might want to protect (TV, computers, laptops, phones, fridge/freezer, washing machine, vacuum cleaner, toys, hi-fi etc.) would easily cover replacement in the event that one of them was accidentally damaged.
  • stugib
    stugib Posts: 2,602 Forumite
    1,000 Posts Combo Breaker
    Thanks to EU directives the replacement/full refund period is now two years as well, again regularly enforced by the courts.

    You're underplaying what's involved in using the SoGA.

    Although the EU directive used the term 'warranty', it's not the same as a manufacturer's warranty/guarantee that is usually non-quibble for that period if it breaks down. It would be up to the manufacturer to show it was misuse rather than poor workmanship that caused the fault.

    As it's been incorporated in the SoGA, then after 6 months you'd have to prove it was inherently faulty, typically getting an independent report. It's not a blanket 'if it breaks down in the first 2 years we'll refund/replace'. It would be up to 6 years anyway, but the burden of proof is on the consumer after that time; first 6 months, the retailer.
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