Post-warranty insurance: worth the paper its printed on?

[hellkat]

I've had this mahoosive telly for a year now, and one of those "buy four years of parts/labour insurance" has come thru from Knowhow.

Should I bin it, or should I take it out just in case said telly flips its lid.

I have a feeling in my water its not worth the paper its printed on.

Plus at some time in the future I really am likely to invest in a one of them internet-ready TVs, cos we are getting old and lazy.

(Only reason I didn't get one last year was because I was going thru one of those tinfoil hat phases).

But am I correct in assuming this "Peace of Mind Care Plan - buy it NAO or lose out forever" documentation is just hamster-bedding?
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Not nearly as interesting in real life.

[mentalboy]

Confuscis say you can guarantee that if you don't buy it you will have need for it ... and if you do buy it you won't. HTH

[hedgehugger]

By the time the tv breaks it would be cheaper to just buy a new one (usually).
Humungous smart tv's aren't (very) expensive now. Not going to rocket in price in the future is my guess.

[Ste]

https://www.knowhow.com/uk/repair-and-protect/television-care-plan.aspx?country=uk#section6

Wouldn't bother.

[Northern Monkey]

Just buy a new one in 4 years time if it breaks
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Fisty: after polishing the tank with the glistenng beads of sweat from my full hot scrotum, I filled the headrace bearings with 10cc of my manmilk

[Rogerborg]

I'd expect that what you're buying is the right to have a barney with them when they sod off any claim.

You can do that with the retailer or manufacturer anyway under your SOGA rights to durability for 6 years.

Bear in mind that if the worst happens and it assplodes and nobody pays out, that when you buy a new one then you're also getting another $STANDARD_PERIOD worth of warranty for that price. How much does a year or two years of KnowHow "cover" cost?
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[Wonko The Sane]

I considered this when, in the space of one month, I suddenly owed a washing machine, fridge freezer and cooker…

I then worked out the probability of all three going at once was slim, having paid £500 tops for each item I put £1k in a savings account and named the account 'Warranty' and went out to buy a new TV as the wife said I couldn't buy another bike.

I figure if the freezer and washing machine blow up I've got bigger problems to worry about and will probably be claiming off the house insurance.
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[MCN]

[chris-red]

Depends on the cost, my last few T.V.'s have been from Richer Sounds, they charge 10% for a 5 year warranty (on top of the manufactures 1) I go for this as it seems like a deal.
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[Rogerborg]

Have you had cause to claim on it?
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[Robby]

If it's a decent TV from a popular manufacturer, then if something does go wrong you can usually google the problem and find out how to fix it. The problem is invariably a cheap part failing, where fixing it certainly lies within the skill of the kind of people that you find in the workshop forum. That's me or Gerry as far as you are concerned. Just don't let Bruno sodomise my footwear.

If the TV was a cheap own-brand job, you'll probably pay more for a worthless warranty than the TV will be worth when it does eventually fail.

Also, you can still sell broken TVs for reasonable money on ebay. Not sure who buys them, I assume it's the same kind of person that pays over the odds for broken vehicles and unfinished projects.

[dodsi]

Last year I had an out of warranty claim with Currys over a Blu-Ray PVR thingy.

I of course, did not have any extended warranty bull**** which they have multiple clauses in the fine print that basically mean they wont pay out.

It was a bit of a ball ache as in the store they tried to fob me off etc but there was a "team" that did deal with these kind of queries once you got onto them. You did have to quote the sales of goods act and quote (and persist) with "goods should last a reasonable amount of time" blar blar blar.

Upon pushing and a bit of tenacity i received a partial refund of about 60/70% of the price paid.

my advice is buy from John Lewis with a price match and their 5 year warranty on TV's as Currys are just awful.

I had a laptop have an intermittent fault within a 2 year warranty period from John Lewis, they did mess us around a bit insisting we had to take it back to a store although we bought it online. Then tried to tell me there was no fault. eventually they refunded me in full plus extra to buy a new equivalent laptop from them with a brand new 3 year warranty.

Just call me Martin Lewis

[Baffler186]

I claimed on mine after my son broke the TV screen (it was 2 months old). Few phone calls, little fuss, full refund was in my bank 2 days later. That was the ones Tesco sell (can't remember the company name)
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Current: 2009 SV650 S, 1990 Kawasaki GT550
Previous: 2009 CBF125, 1998 GSF600, 2004 FZ6 Fazer, 1978 CB400a Hondamatic

[chris-red]

[hellkat]

[MCN]

I had/have a major reason to shove a stiff one ahp some cnut's rektum.

To this end I contacted a legal person/s.

The reply was informative though not in anyway encouraging.

I am not suggesting a telly seller would hold out. I think they are normally more receptive to complaint and more willing to resolve any issue reasonably.

My beef was with a multi-national BMW (Germanic for 'Showerah Fackin Bastarts')

The law person's reply to moi follows:

"Dear Mr MCN,

Thank you for your email below sent to my colleague and the attachments.

Essentially, any claim made by your against BMW regarding this issue would be based on a breach of section 14 of the Sale of Goods Act 1979 which provides the implied terms regarding quality or fitness for purpose. The act gives the following elements as defining quality;

(a)fitness for all the purposes for which goods of the kind in question are commonly supplied,
(b)appearance and finish,

(c)freedom from minor defects,

(d)safety, and

(e)durability

Your case would be built around the fact that there has been a breach of the above for the reasons you have set out in your email.

It seems that BMW are defending your argument on the basis that external factors can affect the durability of paintwork and such external factors can be (but are not limited to) heat, cleaning products and the elements.

I note the evidence that you have obtained regarding cleaning products which is useful however there are the other external factors to consider and address. The age of your motorcycle also has to be factored in.
I am not saying that it would not be possible to establish the above just simply that as a Claimant it is your duty to prove your claim and not for the Defendant to disprove it.

It is useful that you have the letters from the various cleaning product companies and indeed your research does seem to suggest that others have had similar problems.

In terms of the warranties, this gives where appropriate evidence of similar issues with our motorcycle owners however the fact that BMW have repaired / replaced in those cases does not necessarily assist your case for replacement as each case does turn on its own fact and if an extended warranty has been purchased that goes someway to explain the rectification rather than BMW accepting that there had been any breach of the law.

I am more than happy to assist you with your case however unfortunately this is not the type of case suitable for a no win - no fee agreement. Our fees would need to be paid by you and as the overall claim is likely to be less than £10,000 (a small claim) the Defendant would not be ordered to pay your legal costs. Our fees are £150 + VAT per hour.

Initially, we could look to write to BMW and see what reply we get. If they maintain their dispute I can revert back to you to see if you wish to leave the case at that stage or if you wish to proceed to litigation. If you are happy to to proceed on this basis let me know and I will sent the necessary paperwork out to you once you have confirmed your full address details."

If my telly goes I'll simply put a brick through it.

I hope it chucks it when David Cameron or Nicola Sturgeon is on it

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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[mentalboy]

[MCN]

[panrider_uk]

[Pete.]

I never buy extended warranties. I buy all my appliances from AO and so far they have all lasted long enough that the extended warranty would have been spent anyway. Even when it start sounding like replacement time there can be a lot of life left in stuff like washing machines, my latest one I bought because the old one has a noisy drum bearing. It's now stood outside and used to wash my work overalls and it's still doing that 2 years on.

Sometimes I put one of the pets/kids/the old lady next door in it for entertainment purposes though it's had to catch their expression on a fast spin. The bearing noise drowns out their screams nicely mind
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Rogerborg]