hearing aid insurance..

wymondham

hi all
does anyone know any companies who offer hearing aid insurance?
many thanks!

wymondham

anyone know??

FlameCloud

For cover against what?

If you just want for accidental damage or loss, personnal possessions on contents insurance should cover it fine.

stooby

They're usually an exclusion under the "unspecified personal possessions" section (i.e. not automatically covered) but you can usually specify them on your contents insurance so that they are covered against loss/damage etc away from home.
As far as a stand alone policy goes which i think is what you were actually looking for I havent a scooby i'm afraid...

dishydora

If you find any insurance for Hearing Aids on a stand alone policy, let me know, I am looking to insure my mum's hearing aids. They are only 15 months old, cost over £2000 and have gone wrong. Standard insurance cover of one year applied, now we have a bill of at least £200 to mend them. There must be a policy somewhere. If I find one, I will let you know too. Debbie

wymondham

In the end I added them onto my direct line home insurance - called them up...

Bungalow.Bill_3

Some suppliers of hearing aids give a five year warranty plan which is included in the price (e.g. David Ormerod). You then only have to add the aids to your contents insurance for loss or damage. Direct Line didn't charge me extra for this.

Bungalow.Bill.

lisyloo

Be aware that house insurance would cover you for loss, theft, fire and flood etc.
It doesn't cover you for things going wrong e.g. wear & tear or manufacturing defects.
Just a comment on dishydoras response.

I think you'd need some some sort warrnaty for that.

Hear-Hear

Absolutely lisyloo,

Adding the hearing aids on to your home contents policy is a must. You may need to 'specify' the items if they are over a certain value. Just the same as adding things like jewellry. Your insurance company can tell you if the aids need to be 'specified', depending on the Single Article Limit of your particular policy.

As you say, your home contents policy won't cover electrical/mechanical breakdown or defects. You do indeed need the manufacturer's warranty for that, but it is standard practice to get a warranty of at least 2 years, sometimes more, from all manufacturers these days.

Neither a home contents policy nor a warranty will cover wear & tear. That is inevitable with all goods, and they do need to be replaced from time to time.

On a separate note, looking back at the OP, there used to be a stand-alone hearing aid insurance policy available at one time, through a firm called Barry Fenton Insurance Brokers, but it was never a success and the scheme was closed a few years back.

ChrisHear

I have just had a quote from Barry Fenton Insurance for my elderly uncles hearing aid. They do still have a scheme but just for persons over 55 in residential care, sheltered housing or small flats...worth a try, very good cover and low cost:j

lisyloo

They are only 15 months old, cost over £2000 and have gone wrong. Standard insurance cover of one year applied, now we have a bill of at least £200 to mend them.

Two things.

Is this reasonable for hearing aid? (I have no idea).
You may have statutory rights here under the Sales of goods act.
I ahve no idea what would be reasonable in this case, but it does sound short.
Do you have legal advice on your home insurance you could call for free?

Secondly in future consider using Nationwides credit card for an additional 12 months warranty for registered items (check tS&Cs to see if hearing aids are covered).