Cover from D&G for hob bought from AO not informed of other charges

sincerelady

Surely this is not legal, last year I bought a hob from AO and the customer service assistant told me about cover from Domestic and General, it wasn’t a lot of money and it covered accidental damage and replacement if it can’t be mended.  I received a letter “still here keeping you covered” and have realised if my hob breaks and cannot be mended I would have a replacement, however I would have to pay installation charges and i assume a charge for them to take the old one away.  This was never explained to me when I took out the cover.  Surely I should have been made aware of this.  The installation charges and recycling would not be far off what I paid for the hob.  I wonder how many other people have been caught out like this.  I should have be made aware of everything in the policy at the time I was sold it.

Ayr_Rage

Of course it is legal and those conditions will be in the small print of the policy that you purchased.

YOU should have read the policy document during the cooling off period.

There is no obligation for the seller to go through it line by line with you.

As for disposal of an old hob, phone a friend with a car and take it to the local recycling facility.

MyRealNameToo

sincerelady said:

Surely this is not legal, last year I bought a hob from AO and the customer service assistant told me about cover from Domestic and General, it wasn’t a lot of money and it covered accidental damage and replacement if it can’t be mended.  I received a letter “still here keeping you covered” and have realised if my hob breaks and cannot be mended I would have a replacement, however I would have to pay installation charges and i assume a charge for them to take the old one away.  This was never explained to me when I took out the cover.  Surely I should have been made aware of this.  The installation charges and recycling would not be far off what I paid for the hob.  I wonder how many other people have been caught out like this.  I should have be made aware of everything in the policy at the time I was sold it.

D&G sell both service plans and insurance, on the basis yours covers accidental damage its more likely to be insurance but still not a certainty. The laws and regulations around insurance are strict, there are no rules explicitly for service plans but obviously normal consumer protections apply. 

You dont need to assume, you can read your documents to see. 

Irrespective of which type of product it is it's unrealistic to expect a sales agent to cover off every clause in the contract. Certainly with insurance you get a 14 day cooling off period precisely so you can read the documents over the next two weeks and check you are comfortable with them and cancel if you arent. I believe D&G do similar with their service plans too even though legally not obliged to do so when it was an in person sale.