Extended Warranties

Peter69

Peter69

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Having just bought my first DSLR I'm now looking for an extended warrenty/ Insurance product.

My contents insurance will cover it against loss or theft outside the house as long as certain conditions are followed. I have extended warranties through D&G for my kitchen appliances which covers the items repair & new for old if it can't be repaired. It looks like they charge £24pa for cameras but I don't know yet if it also covers then lenses etc.

Any advice or recommendations?
 
To be honest i just make sure my home insurance covers theft and accidental damage at home and out and about.... im sure they would find a way out of it some how though :suspect:

I would say £24 sounds good depending on what this actually covers of course. If you search 'insurance' on the forum im sure you'll see lots of threads with recommendations.
 
Hi Peter

It's a difficult one - if it is £24 for 12 months extended warranty, depending on what you get with it, then yes seems a good price and could be worth it for peace of mind. Bear in mind also what you are covering and what it cost was as to whether it's worth it ?
 
andyred said:
Have you asked for a quote ?

As it says "from £2per month / £24 per year"

I've a feeling your DSLR could be more expensive than this - would be a pleasant surprise if it wasn't :thumbs:
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Yes, but want to check it. I entered model number etc and it still came back at £24pa. for D5100 kit price.
 
Peter69 said:
Yes, but want to check it. I entered model number etc and it still came back at £24pa. for D5100 kit price.
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Seems a good price, would double check as you say
 
Your home contents will cover it for loss or theft, and as it's new, under EU consumer law your camera may be covered for up to two years against fault. Why do you need an extended warranty?
 
jon ryan said:
under EU consumer law your camera may be covered for up to two years against fault.
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This is wrong.

There is an EU directive that states that member countries should enable legislation to cover goods for two years against inherent faults. But the UK decided to ignore that directive.

Because UK legislation already gave consumers five years cover against inherent faults.
 
hollis_f said:
This is wrong.

There is an EU directive that states that member countries should enable legislation to cover goods for two years against inherent faults. But the UK decided to ignore that directive.

Because UK legislation already gave consumers five years cover against inherent faults.
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Ah! Hadn't realised - have you got a link for that?
 
Parliament

Here's what the EU says -


Trading Standards
Some consumers wrongly believe that they have consumer rights under an European Union directive (1999/44/EU), which gives them a two year warranty/guarantee on goods that they have purchased. Whilst indeed this is the case in certain parts of the EU where the directive provides a minimum base line of consumer protection. The UK did not fully adopt the directive because English law already provides far superior protection than the EU directive.
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My contents does cover the camera but only to a limited extent.

The Domestic and General appears a good policy and I have good experience of the company.
 
I have a Panasonic TV. After 2 years, (just over) it developed a fault. On looking into this, it became apparent this was an inherent fault. I contacted Panasonic, and after quoting various parts of consumer law, they repaired it... Free... They don't like doing it but when pushed manufactors will.....
 
Yes UK law does in theory give longer protection against inherant faults BUT are you prepared to go to the expense of going to the courts if the manufacturer will not play ball?

Contents insurance often does give protection against theft and accidental damage to items out of the house but you need to be careful here. I made a claim for a damaged lens some time ago. The insurance company paid up after deducting the excess and then for several years my premium was hgiher because of this claim. All in all I lost money on the claim.

£24 per annum sounds a bargain when looked at it in this light.
 
UK law says that if something goes wrong within 6 months then it is assumed that the item is faulty although the seller / manufacturer can investigate and try to get proof of misuse or abuse.
After 6 months the onus is on the purchaser to prove that there was an inherent fault, you have up to 6 years to complain about an inherent fault.
However it is recognised that some items will not have a 6 year life, light bulbs for example, so the actual limit depends on the item, its price, the reasonable lifespan etc.
You may get away with 6 years for a £1000 TV but not for a £10 kettle.
Good old English law - add in a few reasonables and the lawyers get paid for arguing what that means :)
 
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Looked at photoguard but that looks more like pure insurance. DemGen offer repair/ replacement.
 
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