Old curry’s care plan

linds_hutch

Hi all
i took over the previous owners curry care plan on my range cooker when we bought the house - it was taken out in the early 2000’s I believe.
I have had a couple of things repaired on it using the plan and they’ve always been fab.
The front control panel being the cooker nobs has the paint peeling off and this means that the temperatures etc aren’t visible so they deem it as unsafe and we’re going to replace the panel. But it’s now obsolete. 

Meaning that I am now entitled to a new oven.
this morning they’ve sent me a voucher for £599, which won’t even cover the cost of the cheapest range oven let alone a good make like Belling (which is what I’ve got)
im trying to figure what the ts&cs are on the plan as to whether it states “up to the value of the price of the original” on this particular care plan but I don’t have any details.
I’ve never taken one of these plans out myself so never imagined that I wouldn’t get a like for like replacement if it came to it?
any advice? Anyone got any of the care plan details from 2000s? 

Thanks in advance :-)

IvanOpinion

No idea of the legal position but close to £600 for a 20 year old cooker sounds pretty good to me.  I think there was always going to come a point whereby repair was no longer possible.  I guess it all depends on the policy wording.

linds_hutch

This is true - and I totally get that - but if the wording suggests it’s a “replacement” then £600 is a drop in the ocean (however I fully accept that £600 is great for something I didn’t actually buy on the first place lol)

lincroft1710

If you haven't got a copy of the terms and conditions, it would be difficult to argue your entitlement. I find it difficult to believe that a care plan would pay out in full for a brand new cooker after 20 years. But what has been the annual cost of this plan?

linds_hutch

Yes I agree - it’s £60 a year lol so on one hand I think possibly I’m taking the Mickey 

but

I’m pretty sure when she took out the policy it will have been “if it needs replacing you’ll get a similar cooker with the same spec” kinda deal.

so if we think about it that way then that’s not the case now! I can’t use the money to replace the cooker for a similar item with similar spec - Belling ovens are over £1000….  When I take out household insurance I only pay a fraction of the worth of my goods but if I choose new for old then I’d get the money for the Broken item at todays cost rather than how much it was when I bought it? 

WhoopsIDidItAgainITrolledWithYourHeart

linds_hutch said:

Yes I agree - it’s £60 a year lol so on one hand I think possibly I’m taking the Mickey 

but

I’m pretty sure when she took out the policy it will have been “if it needs replacing you’ll get a similar cooker with the same spec” kinda deal.

so if we think about it that way then that’s not the case now! I can’t use the money to replace the cooker for a similar item with similar spec - Belling ovens are over £1000….  When I take out household insurance I only pay a fraction of the worth of my goods but if I choose new for old then I’d get the money for the Broken item at todays cost rather than how much it was when I bought it? 

No, you don't.

They'll give you something of equivalent spec, which over 20 years wont be the same thing.

You need to read/find the T&C's of your agreement.  I can't believe that they'd offer equivalent value over 20 years as over those 20 years you've paid £1200 which is barely over the minimum cost of a Belling range cooker, and I bet a good chunk of them will fail within 20 years. It would be economically unviable to offer such a plan.

Manxman_in_exile

@linds_hutch -  probably too late for my brain to be working properly, but how would you have "taken over" the previous owner's care plan without paperwork transferring it to you and details of what it covered?

(I wouldn't have been paying £60 pa for something without knowing what it covered)

Ms_Chocaholic

Does this help

https://www.currys.co.uk/services/care-services/care-services.html

click on existing customers and it lists lots of different plans

Ms_Chocaholic

What happens if I've lost my paperwork?

Not a problem. If you are going into the store to book the repair just make sure you take two forms of identification; one being a photo ID and the other confirming your address, for example a utility bill. Alternatively, you can request a replacement for your agreement by calling us on 0344 561 0000.