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Extended Warranties

Discussion in 'Plasma TVs' started by elliot_01, Nov 18, 2004.

  1. elliot_01

    elliot_01
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    Hi Peeps,

    The shop where I am going to be purchasing a Viera from wants £350.00 for an additional 2 years warranty. Whereas, a site like AV-Sales is asking £199.00 for the same duration of cover.

    I am tempted to dismiss the shop's offering and order my warranty from AV-Sales, seperately.

    What gives!?

    This seems far too much of a price difference to be a simple case of one retailer seeking a little more profit than the other.

    Is there different 'grades' of cover? Judging by the Panasonic website, I get the impression that it's Panasonic themselves who organise and handle the extended warranty process (via *their* chosen insurer)...

    Do some places (such AV-Sales) just sell their own third-party warranties, backed by an alternative insurance body? Or are they all the genuine, Panasonic supported, extended warranties? :confused:

    Has anyone ever had to make use of their extended warranties yet? Any stories/advice?

    Comments/insight/experiences highly appreciated.

    Thanks all.

    Elliot
     
  2. bergkamp10

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    extended warranties sold by major electrical chains are seriously overpriced. one chain makes most of its money by selling warranties than it does electrical goods - which should tell you something.
     
  3. sparkz

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    Just gone through the same process myself. You might want to check out some other threads on the subject.

    The AV-Sales warranty is through a company called TADL which offers a service similar to that of the manufacturer including a loan unit if it has to be taken away. It doesn't include accidental cover but still seems pretty good value. As to how good TADL are I don't know. Any made a claim with them here?

    If it's actually better or worse than the manufacturers own cover it's hard to say. Of course you still get the manufacturers cover in the first year which is when you'd probably find out if you had a less than 100% unit!

    Mark
     
  4. Nic H

    Nic H
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    Why don't you buy from John Lewis and get a free 5 year warranty? Try the Watford branch, they are the cheapest.
     
  5. Nick_UK

    Nick_UK
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    Not sure it's "free" when the TV often costs £700 more than you can get it online ? :rolleyes:
     
  6. Nic H

    Nic H
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    I bought the 42" viera from JL watford for £2499 incl 5 year warranty, free stand worth £500 and free DVD recorder worth £200.
    The cheapest internet price is about £2360, only £140 less than JL. That includes a ONE year warranty, no free stand and no free DVD recorder.

    Do you still think I got a bad deal ? :thumbsup:
     
  7. NikB

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    In all seriousness just how necessary is an extended warranty? What is the failure rate within 3 years on these panels? Just seems a lot to me to fork out for something that isn't that likely to be used. And if it's common that they're used surely the technology of plasma screens itself is poor.
     
  8. Nic H

    Nic H
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    John Lewis gives a free 5 year warranty so you dont have to fork out anything. I wont risk saying that its not likely for a plasma to break in 5 years. :eek:
     
  9. rooney

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    better safe than sorry always easyier to pop into a bricks and morter shop as
    well i got mine from jl deff not to be sniffed at mines covred acidental damage on the house and 5yrs with jl

    peace of mind
     
  10. M@tt_UK

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    If you don't buy an extended warranty and your very expensive quality Plasma fails after one year all is not lost.

    You can still claim for the cost of repair under the Sale of Goods Act, up to six years after buying a product if it had not lasted as long as you could reasonably expect.

    I would reasonably expect £1600 monitor / tv to last at least three years anyway without needing any repair, if it did not I would make a claim.

    A manufacturer's one-year guarantee is in addition to these rights
     
  11. NikB

    NikB
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    So you reckon they're not worth bothering with then Matt?
     
  12. M@tt_UK

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    I guess only each person can make the choice, pay for your warrantee and your product should be fixed without delay or any outlay, you may have you fight for your statuary rights, which could cause delays.

    Interesting read 'PASSING THE BUCK'
     
  13. gringottsdirect

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    Panasonic extended warranties are provided by Domestic & General. In either case your warranty is safeguarded by insurance.

    Some warranty providers are not backed by insurance, so if the warranty company fails, as has happened several instances, you lose your premium and your cover.
    Often cheaper premiums are explained by the fact the company covers the warranty themselves without insuring through a third party, but even more expensive premiums may be the same so it's no way to judge.

    Allegedly TADL warranties are NOT backed by insurance. No doubt somebody will correct this statement quite promptly if not the case.

    Citizens Advice / Trading Standards will usually advise against buying any warranty not backed by insurance, obviously because they deal with the fall-out when warranty providers disappear. You can't claim from the Association Of British Insurers, if not an insurance product.

    Maybe somebody should write a sticky, but the Sale Of Goods Act reference to six years often quoted is a period of limitation that protects the seller rather than a period during which you may assume a claim will be successful.

    I have never bought an extended warranty, but I did obtain a replacement plasma out of warranty, and by the way found my situation met with total apathy / dis-interest from Trading Standards whom were no help whatsoever.
    Luckily the manufacturer supplied a replacement anyway. :cool:
     
  14. sparkz

    sparkz
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    I think you were lucky with the manufacturer. Who was it? Anyone else have any goods news stories like that?

    I had problems, although admitedly not major, with a Sony TV of a software nature. Even though a Sony technician had read me a fault report about my set, detailing the exact problem I had as a fault, they refused to fix it. They denied existance of the fault report etc. At the time I was really into Sony, all my kit was Sony from headphones, hifi, alarm clock etc. but that experience really put me off them big time.

    Funny you should say that about TADL. I read that somewhere last night and thought I'd check with them myself but no answer yet.

    Normally, I would never bother with extended warranties myself. I only considered it on this purchase because it seemed good value compared to the cost of the items in question. Also, partly for the convience of a loan unit if there is a problem.

    As a matter of interest. Does anyone know if Panny offer extended warranties directly or only through retailers?

    Mark
     
  15. gringottsdirect

    gringottsdirect
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    Philips. :)

    Panasonic extended guarantees may be purchased in a variety of ways:
    - By completing the form supplied in the carton box with each new product.
    - Registering your purchase on-line at www.panasonic.co.uk/guarantee
    - Through Authorised Panasonic dealers
    - By contacting Domestic & General direct on 0870 240 6284


    This trend for buying from John Lewis with a price match to have the combination of their 5 year warranty AND a cheap deal is justifiably popular, but John Lewis don't sell all models. :cool:
     
  16. Walton Goggins

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    Is it cheaper price direct ?
     
  17. Solomon Grundy

    Solomon Grundy
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    are you the REAL Walton Goggins???
     
  18. lynx

    lynx
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    I don't know if there is anything going on with domgen but their site has been down for sometime now...https://www.domgen.com
     
  19. Moe

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    Absolutely correct interpretation of the new legislation.It does not provide you with any automatic right to free repair for 6 years.The main change in the Law reversed the so-called 'burden of proof' in the first 6 months after purchase.In other words a failure within the first 6 months is automatically assumed to be a manufacturing fault.This does not,however, mean you can get a replacement.The most cost effective remedy is what you are entitled to.
    After the first 6 months, the burden of proof rests with you...you have to prove that the failure is a manufacturing defect.
     
  20. lynx

    lynx
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    Can you provide a link to this specific reference (not looking for reference about a fault being deemed to be pre existing but the onus of proof being placed on the consumer after 6 months).
     
  21. Moe

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  22. assist

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    TADL Assist does not run an insurance backed warranty, we run our own ring fenced fund.

    Many other extended warranties that are available on the market are also not insurance backed for example manufacturer warranties, and dealers own warranty offerings. Also, quite a lot of extended warranty offerings from insurance companies are not insurance backed. This is because of the tax benefits that result from operating a non insured service plan. Just because an insurance company is providing or administering the extended warranty does not mean that the warranty is insured. The benefits that result from charging vat and being able to reclaim vat on a service plan outweigh the benefits of charging IPT (insurance premium tax) on an insured warranty which can reduce the sale price to the consumer but does not allow the vat to be reclaimed on costs incurred servicing the plan. The majority of extended warranties available today are not insured.

    The Office of Fair Trading and the Competition Commission made in an in depth study of the market over the last two years and there is a lot of interesting information and comment on the market which can be found on their website on this link.
    www.competition-commission.org.uk/inquiries/completed/2003/warranty/index.htm

    We do recognise that some people do have concerns as a result of poor practise by other companies that have failed in the past. Some dealers own warranties have proved to be worthless as no monies were set aside and ring fenced. Retailers selling insurance backed warranties have been found not actually to have paid the premiums to the insurance company, so customers of these retailers have also been left high and dry despite thinking they had bought an insurance backed warranty.

    Consumers are protected under the Sale of Goods Act and have rights to the quality of goods purchased and the time which is reasonable that they work which can be for up to six years. Making a claim outside of the standard warranty period supplied by a retailer can be a very difficult task – proving fault, proving inherent fault, communicating with Trading Standards and possibly solicitors or making a claim through the courts. This can involve considerable time and some expense. In general the manufacturers of the products do not take on any responsibility after their standard warranty but the Sale of Goods Act transfers the liability to the dealer or retailer that sold the goods – this is because the dealers are in the UK and in many instances the manufacturer is overseas.

    Buying a warranty extension provides peace of mind and a backup for your purchase especially for more expensive investments in a product.

    Electrical and electronic products are more reliable than they have ever been, and reliability continues to improve. However, even the best product from a top quality manufacturer can and does go wrong on occasion. If there is no warranty cover or redress under the Sale of Goods Act will take time and effort with your product not working in the meantime, one option is a chargeable repair. The newer the technology and the more specialised it is the higher the repair bill will be. The repair bill will consist of parts, labour and transport costs. Labour can be relatively cheap for a good technician. Parts costs can vary significantly depending upon availability, the general failure rate of the product, and the item itself – whether it comes as a component or a complete replacement module. Transport costs increase the heavier and bulkier that an item is.

    Customers do have options and choices and we are providing an option for those people that do want an additional first point of contact .
     
  23. Moe

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    Not so...please do not mislead people.The reason the retailer has liability is solely because it is he with whom the Consumer has a Contract of Sale.
     
  24. assist

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    Sorry Moe - you are right , i dont wish to mislead anybody.
     
  25. Moe

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    No problem,Rob.
     
  26. Mr Ess

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    I got my PW7 with the new Nationwide credit card that adds a further years extended warranty on top of panasonics year for FREE. That will do for me :thumbsup:
     
  27. sparkz

    sparkz
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    I asked Barclaycard if they would do that for me and they said plasmas were excluded :( Perhaps as the prices are coming down they might revise that...
     
  28. paulr

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    I've just bought a Sony gx3 dvd recorder,Comet want 105 for a 5 year warrenty.
    Can i get it cheaper elsewhere?
     
  29. Mr Ess

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    I made sure the extended warranty terms for the Nationwide card included Plasma's and it did. :clap:
     
  30. stuartsjg

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    You have to watch out for the "Sale of goods act" "warranty" where you can hove it repaired within 6 years (5 in Scotland). You have to prove it was manufacturing defect and not wear and tare.

    Plasma is a high temperature gas - this can very easily cause screen burn. screen burning isn’t covered in a standard guarantee or JL "free" 5 year. If you screen burns, its not a manufacturing defect - its inherent to the technology. (try claiming your light bulbs in the house under the Sale of Goods thing)

    With LCD pixels can fail - either by jamming or losing the connection. This is also inherent to screen design and not caused by manufacturing defect.

    Projections have lamps... these blow. Wear and tare - not a defect.

    If you look at the JL warranty it says in clear print in the leaflet that it doesn’t cover the 3 things I’ve mentioned above.

    John Lewis - £700(Plasma) gets you one that does for 6 years. (Own/Ext insurance)
    Comet - £200 to £700 for 5 years, £130 to £400 for 5 years. (External insurance)
    Currys - £90 to £700 for 5 years, £70 to £450 for 3 years. (Own/Ext insurance)

    Looking at the Terms and Conditions for each company:

    (www.currys.co.uk , services, coverplan)
    Currys:
    Replacement product
    If your product can’t be repaired, or if it takes longer than 6 weeks to repair you may request a replacement product.
    • Usually, the replacement will be a new product or vouchers to purchase a product of an equivalent specification. Occasionally a reconditioned product may be supplied.
    • If your product is replaced (except if it qualifies for Instant Replacement) your Coverplan ends and you will receive vouchers for the remaining value to use when you next buy Coverplan.

    Information you need to know
    The following items are not included:
    • Regularly replaced items / consumable items.
    • Built-in batteries.
    • Lamps used in projection TVs and projectors.
    • Cosmetic damage where it does not affect the operation or safety of the product.
    • Repair costs that have not been approved.
    • Damage or breakdown due to flood, wind or other severe weather conditions.
    • The cost of repairing or replacing a product which fails because anyone neglects, abuses or misuses the product.
    • Any service or benefit where the Service Agreement has been suspended.
    • Inoperability of a product caused by withdrawal of services by a third party.
    • Protection for plasma TVs, rear projection TVs, dishwashers, vacuum cleaners, cooking and laundry products if used for business.
    • Screen burn on a plasma or rear projection TV.

    Comet:
    Breakdown: We will pay the cost of repairing or, if a repair is uneconomical, replacing the insured product – even if the breakdown occurs as a result of accidental damage. We will fix and breakdown due to normal ware and tare.
    Continuous Cover: If the insured product is replaced, the unexpired portion of your cover will transfer to the replacement product. The expiry date of the policy will remain unchanged. If vouchers are given in place of a replacement, the policy will end.

    JL:
    Have emailed for information.

    All:
    Have sent the same email to all 3. Will post replays as they arrive.


    I hope this helps. Most the info im getting from a friend who is involved in finances and insurance/trading standards.

    All the best,
    Stuart.
     

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