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UK diy (uk.d-i-y) For the discussion of all topics related to diy (do-it-yourself) in the UK. All levels of experience and proficency are welcome to join in to ask questions or offer solutions. |
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#1
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I'm just about to buy a Sony television for about £500 from ebuyer. A
friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? |
#2
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john hamilton wrote:
I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? IME no. the manufacturer normally gives at least a year, and statistically, a TV set or any piece of electronics is most reliable after any manufacturing defects have been found (up to a year) and before wear and tear takes its toll (5 years+). The '5 year warranty' - actually a 2-5 year warranty, is extremely profitable because it is a one in ten thousand chance that anyone will actually claim on it. And it makes up all the margin the dealer has discounted away to get your business in the first place :-) |
#3
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No, probably not unless the combined price is pretty keen for the model.
Brian -- Brian Gaff - Note:- In order to reduce spam, any email without 'Brian Gaff' in the display name may be lost. Blind user, so no pictures please! "john hamilton" wrote in message ... I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? |
#4
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john hamilton burst on the scene, and said:
I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? Personally, I think extended warranties on anything are a rip-off. I embraced them fully when they first appeared but after a few years realised that I had spent hundreds on them and had got nothing back - even on products that you might expect to be at high risk of needing repair, such as washing machines. Why not buy your TV from a supplier that offers a free five year warranty. I know someone who had a Sony TV from John Lewis. After about 4 years he noticed a group of dead pixels. The screen couldn't be replaced because of its age - no longer available - so he got a new TV of his choice (with cash adjustment) from JL. John Lewis include free 5 year warranties with most (all?) of their TVs, including Sony, whether bought in-store or online There may well be other retailers who do the same, JL just happen to be the one that I know of. -- Michaelangelo www.flickr.com/photos/mikenagel Self-catering, holiday accommodation in the Scottish Highlands - for disabled people: www.woodhead-cottage.co.uk |
#5
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Michaelangelo burst on the scene, and said:
john hamilton burst on the scene, and said: I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? Personally, I think extended warranties on anything are a rip-off. I embraced them fully when they first appeared but after a few years realised that I had spent hundreds on them and had got nothing back - even on products that you might expect to be at high risk of needing repair, such as washing machines. Why not buy your TV from a supplier that offers a free five year warranty. I know someone who had a Sony TV from John Lewis. After about 4 years he noticed a group of dead pixels. The screen couldn't be replaced because of its age - no longer available - so he got a new TV of his choice (with cash adjustment) from JL. John Lewis include free 5 year warranties with most (all?) of their TVs, including Sony, whether bought in-store or online There may well be other retailers who do the same, JL just happen to be the one that I know of. I should have said that the above account re John Lewis happened at the this year (February) - so it's not old history. -- Michaelangelo www.flickr.com/photos/mikenagel Self-catering, holiday accommodation in the Scottish Highlands - for disabled people: www.woodhead-cottage.co.uk |
#6
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On 30/07/2010 08:10, john hamilton wrote:
I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? COSTCO offer free 5 year Warranty on all TV's as well as seemingly being best value obtainable. If you qualify, or can "guest" your way into a COSTCO via a 3rd party then it's worth a visit before you commit. The negative is you cannot browse the deals online. You have to go there in person. |
#7
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![]() "Michaelangelo" wrote in message ... john hamilton burst on the scene, and said: I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? Personally, I think extended warranties on anything are a rip-off. I embraced them fully when they first appeared but after a few years realised that I had spent hundreds on them and had got nothing back - even on products that you might expect to be at high risk of needing repair, such as washing machines. Why not buy your TV from a supplier that offers a free five year warranty. I know someone who had a Sony TV from John Lewis. After about 4 years he noticed a group of dead pixels. The screen couldn't be replaced because of its age - no longer available - so he got a new TV of his choice (with cash adjustment) from JL. John Lewis include free 5 year warranties with most (all?) of their TVs, including Sony, whether bought in-store or online There may well be other retailers who do the same, JL just happen to be the one that I know of. A relative buys from Richer Sounds, says good prices and good warranties. Believe when he buys an extended one he gets money back if he does not make a claim. Regards David |
#8
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David wrote:
"Michaelangelo" wrote in message ... john hamilton burst on the scene, and said: I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? Personally, I think extended warranties on anything are a rip-off. I embraced them fully when they first appeared but after a few years realised that I had spent hundreds on them and had got nothing back - even on products that you might expect to be at high risk of needing repair, such as washing machines. Why not buy your TV from a supplier that offers a free five year warranty. I know someone who had a Sony TV from John Lewis. After about 4 years he noticed a group of dead pixels. The screen couldn't be replaced because of its age - no longer available - so he got a new TV of his choice (with cash adjustment) from JL. John Lewis include free 5 year warranties with most (all?) of their TVs, including Sony, whether bought in-store or online There may well be other retailers who do the same, JL just happen to be the one that I know of. A relative buys from Richer Sounds, says good prices and good warranties. Believe when he buys an extended one he gets money back if he does not make a claim. That is not how insurance works.;-) Regards David |
#9
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The Natural Philosopher burst on the scene, and said:
David wrote: "Michaelangelo" wrote in message ... john hamilton burst on the scene, and said: I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? Personally, I think extended warranties on anything are a rip-off. I embraced them fully when they first appeared but after a few years realised that I had spent hundreds on them and had got nothing back - even on products that you might expect to be at high risk of needing repair, such as washing machines. Why not buy your TV from a supplier that offers a free five year warranty. I know someone who had a Sony TV from John Lewis. After about 4 years he noticed a group of dead pixels. The screen couldn't be replaced because of its age - no longer available - so he got a new TV of his choice (with cash adjustment) from JL. John Lewis include free 5 year warranties with most (all?) of their TVs, including Sony, whether bought in-store or online There may well be other retailers who do the same, JL just happen to be the one that I know of. A relative buys from Richer Sounds, says good prices and good warranties. Believe when he buys an extended one he gets money back if he does not make a claim. That is not how insurance works.;-) Regards David I think JL warranties are 'real' warranties - not insurance based. -- Michaelangelo www.flickr.com/photos/mikenagel Self-catering, holiday accommodation in the Scottish Highlands - for disabled people: www.woodhead-cottage.co.uk |
#10
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On 30/07/2010 08:10, john hamilton wrote:
I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? I tend to rely on the warranty and the Sale of Goods legislation. A TV should last 5 years so if it fails you have some recourse against the retailer. I also pay on my own credit card to get protection in case the retailer goes bust. Most electronic stuff is obsolete long before it wears out. |
#11
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On Fri, 30 Jul 2010 08:10:10 +0100, "john hamilton"
wrote: I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? No. -- Alan White Mozilla Firefox and Forte Agent. Twenty-eight miles NW of Glasgow, overlooking Lochs Long and Goil in Argyll, Scotland. Webcam and weather:- http://windycroft.co.uk/weather |
#12
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A relative buys from Richer Sounds, says good prices and good
warranties. Believe when he buys an extended one he gets money back if he does not make a claim. That is not how insurance works.;-) "It's insurance Jim but not as we know it"? Richer Sounds have for years now offered "Supercare". If there's no claim after 5 years they refund the original payment. Of course they have had the use of the money in the meantime (while inflation erodes its value to the buyer). I assume they make their profit from that (much as eg Lloyds underwriters used to). And I think it is not strictly an insurance scheme: the whole thing is run by Richer Sounds and they are not regulated by the FSA. So no government bail-out if 100,000 TVs go pop ![]() -- Robin PM may be sent to rbw0{at}hotmail{dot}com |
#13
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![]() "Invisible Man" wrote in message ... I tend to rely on the warranty and the Sale of Goods legislation. A TV should last 5 years so if it fails you have some recourse against the retailer. I also pay on my own credit card to get protection in case the retailer goes bust. I recently got a new dish washer from GM card because the free warranty I got from Empire direct was useless when the WD broke. I could probably have got it fixed but the wife hated it anyway and GM card just refunded the cost without any hassle. Most electronic stuff is obsolete long before it wears out. Except stuff with water in it. 8-( |
#14
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On 30/07/2010 13:12, dennis@home wrote:
"Invisible Man" wrote in message ... I tend to rely on the warranty and the Sale of Goods legislation. A TV should last 5 years so if it fails you have some recourse against the retailer. I also pay on my own credit card to get protection in case the retailer goes bust. I recently got a new dish washer from GM card because the free warranty I got from Empire direct was useless when the WD broke. I could probably have got it fixed but the wife hated it anyway and GM card just refunded the cost without any hassle. Most electronic stuff is obsolete long before it wears out. Except stuff with water in it. 8-( I am old enough that I still think of things that work with water as electrical rather than electronic even though they have electronics these days. With all the clever countdowns and displays it never ceases to amaze me that so few washing machines have a facility to sound a warning when the cycle is complete. I tend to set the cooker timer for the approx time our Bosch says it will take. Quicker the stuff is out the less ironing. |
#15
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On 30/07/2010 13:39, Java Jive wrote:
Over the years, consumer advice has consistently been against paying for such extended warranties. They are a rip-off. In fact, if you think about, there is a sense in which all insurance is a rip-off. The best form of insurance is to have enough money earning interest to replace whatever it is that is being insured. That is unlikely to be possible with your life, your house, or your legally required car insurance, but for anything else, don't bother with it. You pay money out for something that you hope and may actually never happen, and it's dead money - it's gone and most likely will never be of use to you. However, if you took that same money and put it into a suitable account, it would be earning you interest and could still go to replace a faulty item in the unlikely event of it being required, and otherwise will be of such use as you wish. On Fri, 30 Jul 2010 08:10:10 +0100, "john hamilton" wrote: So is it really worth paying extra for a five year guarantee? Whenever someone tries to sell me a warranty or insurance I say I worked for an insurance company for 36 years and don't believe in it. Car insurance, house and contents insurance and travel insurance I do have. |
#16
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On Jul 30, 8:10*am, "john hamilton" wrote:
I'm just about to buy a Sony television for about £500 from ebuyer. *A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? Comes down to the price of the warranty. #1 - Is the standard warranty 1yr or 3rd? #2 - Does anyone do the TV with a discount or free warranty? In LCD terms 5yrs is quite a long time. - CFL backlight brightness does fade over time. - CFL backlight & invertor can and do fail. - PSUs are another area that can fail All those items are "discrete parts or repairable". A panel failure writes the panel off in terms of the replacement costing more than the TV. LCD monitor experience is PSUs do fail at about 3yrs and by 5yrs that rises. You can buy a PSU for about £25-40 or even repair it for less, but dissassembly is a bit tedious in terms of getting it open, removing the shielding shells & micro-plugs. One note with Sony is their parts & repair service. Sony laptop parts are hard to source and expensive, service from Sony is hilarious. Sony CRT parts are readily available, service from Sony is 90-day warranty & expensive. Most brands are not too different, but with a product such as a TV it is likely the PSU, backlight invertor & backlight will be readily available "in the spares marketplace". An issue will be getting one fitted, because the local repairers are beginning to packup and it merges into "central businesses" which can be like outsourced laptop repairers. Selectron in the USA for example were good at shafting Customers, IBM & product aesthetics over Thinkpad repairs for a time. Dell likewise outsourced repairs in the UK and you got light-leaks, distorted case and so on when it came back. So if you can follow a (probable) YouTube video on PSU removal & replacement, or backlight bulb removal & replacement then it may be worth "self-insuring" and buying with a lower warranty. I would still check what the standard warranty is, Sony often do 3yr offers on some TVs at no cost - check around. |
#17
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On Fri, 30 Jul 2010 13:46:12 +0100, Invisible Man
wrote: I am old enough that I still think of things that work with water as electrical rather than electronic even though they have electronics these days. With all the clever countdowns and displays it never ceases to amaze me that so few washing machines have a facility to sound a warning when the cycle is complete. That would need to be a switchable facility. Some of us run our washing machines at night to use cheaper electricity. We DO NOT wish to be woken in the middle of the night to be told the machine mashine has finished. I tend to set the cooker timer for the approx time our Bosch says it will take. Quicker the stuff is out the less ironing. -- Peter Duncanson (in uk.tech.digital-tv) |
#18
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On Fri, 30 Jul 2010 13:49:55 +0100, Invisible Man
wrote: On 30/07/2010 13:39, Java Jive wrote: Over the years, consumer advice has consistently been against paying for such extended warranties. They are a rip-off. In fact, if you think about, there is a sense in which all insurance is a rip-off. The best form of insurance is to have enough money earning interest to replace whatever it is that is being insured. That is unlikely to be possible with your life, your house, or your legally required car insurance, but for anything else, don't bother with it. You pay money out for something that you hope and may actually never happen, and it's dead money - it's gone and most likely will never be of use to you. However, if you took that same money and put it into a suitable account, it would be earning you interest and could still go to replace a faulty item in the unlikely event of it being required, and otherwise will be of such use as you wish. On Fri, 30 Jul 2010 08:10:10 +0100, "john hamilton" wrote: So is it really worth paying extra for a five year guarantee? Whenever someone tries to sell me a warranty or insurance I say I worked for an insurance company for 36 years and don't believe in it. Car insurance, house and contents insurance and travel insurance I do have. Yes. For domestic appliances "self-insurance" is the thing. Keep enough money in reserve to be able to replace just one or two of the kitchen appliances, entertainment boxes, etc. -- Peter Duncanson (in uk.tech.digital-tv) |
#19
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On Fri, 30 Jul 2010 14:01:08 +0100, Peter Duncanson
wrote: in the middle of the night to be told the machine mashine has finished. "mashine"? How did that get there? -- Peter Duncanson (in uk.tech.digital-tv) |
#20
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Invisible Man wrote:
With all the clever countdowns and displays it never ceases to amaze me that so few washing machines have a facility to sound a warning when the cycle is complete. Zanussi WMs do this. And bloody irritating it is too! They beep at the end of the cycle (so far so good) but, if you don't go and acknowledge it, it'll just carry on until the end of time at short intervals. -- Scott Where are we going and why am I in this handbasket? |
#21
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On 30/07/2010 08:39, Vortex7 wrote:
COSTCO offer free 5 year Warranty on all TV's as well as seemingly being best value obtainable. If you qualify, or can "guest" your way into a COSTCO via a 3rd party then it's worth a visit before you commit. The negative is you cannot browse the deals online. You have to go there in person. Returning items you've tried and don't like in Costco is a revelation. Me: I'm returning this Them: OK, here's your money. As opposed to (in Currys) Me: I'm returning this Them: Why? Me: It's .... Them: Have you tried Me: No, I just don't like the ... Them: It was that displayed in the store Me: Yeah, but when I took it home ... Them: Ah, we can exchange it for ... Me: I just want my money back! Them: Hang on, I'll call my supervisor Me: (drums fingers on counter, queue of customers builds from behind) Him: Hello, how may I help? Me: I'm returning this Him: Why? .. (later) .. .. Him: Hello, Sir, please can you remove your hands around my neck? I can't seem to breathe! I'm expecting 'Best Buy' to be much the same as Costco, based on my shopping experiences in the states. Thing that I don't like about Costco, is their an 'anti-riff-raff' policy on selecting only trade or professional status UK customers. I don't see evidence of that in their American stores. -- Adrian C |
#22
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On Fri, 30 Jul 2010 13:49:55 +0100, Invisible Man
wrote: Whenever someone tries to sell me a warranty or insurance I say I worked for an insurance company for 36 years and don't believe in it. Car insurance, house and contents insurance and travel insurance I do have. I ask them do have so little faith in the reliability of the product that they think I need it. Some get very cross when pressed for a 'yes' or 'no' answer. -- Alan White Mozilla Firefox and Forte Agent. Twenty-eight miles NW of Glasgow, overlooking Lochs Long and Goil in Argyll, Scotland. Webcam and weather:- http://windycroft.co.uk/weather |
#23
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![]() "john hamilton" wrote in message ... I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? Depends who it is and how much. Some makers have longer guarantees - e.g. LG have three years on their small ones (which are also monitors) - so not worth paying 10% for another two years in three years' time. Similarly if you buy from Richer Sounds, their extended warranty is only 10% or £9.99p, whichever is more and in some cases you can get the premium back if you don't claim in some cases. |
#24
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Invisible Man wrote:
Whenever someone tries to sell me a warranty or insurance I say I worked for an insurance company for 36 years and don't believe in it. Car insurance, house and contents insurance and travel insurance I do have. Have you ever claimed on your house insurance, I wonder? Mine's just come up for renewal and I can't recall ever making a claim in 35 years except one in 1990 for a relatively small amount of damage caused by a couple of ridge tiles being dislodged by high winds. The house is unlikely to collapse or hit an aeroplane, so what's it for exactly? What are the most common claims? |
#25
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On Fri, 30 Jul 2010 14:09:19 +0100, Scott M
wrote: Invisible Man wrote: With all the clever countdowns and displays it never ceases to amaze me that so few washing machines have a facility to sound a warning when the cycle is complete. Zanussi WMs do this. And bloody irritating it is too! They beep at the end of the cycle (so far so good) but, if you don't go and acknowledge it, it'll just carry on until the end of time at short intervals. Our Zanussi tumble drier does the same. -- (\__/) M. (='.'=) Due to the amount of spam posted via googlegroups and (")_(") their inaction to the problem. I am blocking some articles posted from there. If you wish your postings to be seen by everyone you will need use a different method of posting. |
#26
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On 30/07/2010 16:35, Norman Wells wrote:
Invisible Man wrote: Whenever someone tries to sell me a warranty or insurance I say I worked for an insurance company for 36 years and don't believe in it. Car insurance, house and contents insurance and travel insurance I do have. Have you ever claimed on your house insurance, I wonder? Mine's just come up for renewal and I can't recall ever making a claim in 35 years except one in 1990 for a relatively small amount of damage caused by a couple of ridge tiles being dislodged by high winds. The house is unlikely to collapse or hit an aeroplane, so what's it for exactly? What are the most common claims? A very long time since I was involved in household business. Theft Burst pipes Storm Accidental damage - spills on carpets etc. All risks - loss of jewellery, specs, dentures etc. Fires caused by chip pans, smoking materials, electrics underground pipes accidental damage to sanitary fixtures etc. Impact by vehicles Flood Malicious damage subsidence glass I think I have personally had 1 claim for impact to a front wall and 2 for loss of specs |
#27
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Who in their right mind would want to watch an LCD TV for 5 minutes let
alone 5 years- when Plasma offers a far better picture.. Cheers Richard |
#28
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On 30/07/2010 16:53, r.bartlett wrote:
Who in their right mind would want to watch an LCD TV for 5 minutes let alone 5 years- when Plasma offers a far better picture.. Cheers Richard Certainly used to be the case for larger models. Which? seem to be scoring top LEDs and top LCDs above top Plasmas now though. |
#29
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On Fri, 30 Jul 2010 16:35:24 +0100, "Norman Wells"
wrote: Invisible Man wrote: Whenever someone tries to sell me a warranty or insurance I say I worked for an insurance company for 36 years and don't believe in it. Car insurance, house and contents insurance and travel insurance I do have. Have you ever claimed on your house insurance, I wonder? Mine's just come up for renewal and I can't recall ever making a claim in 35 years except one in 1990 for a relatively small amount of damage caused by a couple of ridge tiles being dislodged by high winds. The house is unlikely to collapse or hit an aeroplane, so what's it for exactly? What are the most common claims? I have made 2 claims in the 40 years I've lived in this house. One was for the replacement of a window and window frame damaged by someone breaking in. The other was for the replacement of a post and rail fence at the front of the house which had been comprehensively demolished by a stolen car. In both cases I could have managed to pay for repairs myself if I hadn't had house insurance. -- Peter Duncanson (in uk.tech.digital-tv) |
#30
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![]() "john hamilton" wrote in message ... I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? you could always see what the john lewis price is - you get 5 years as standard with them -- Gareth. that fly...... is your magic wand.... http://dsbdsb.mybrute.com you fight better when you have a bear! |
#31
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Invisible Man wrote:
On 30/07/2010 16:35, Norman Wells wrote: Invisible Man wrote: Have you ever claimed on your house insurance, I wonder? Mine's just come up for renewal and I can't recall ever making a claim in 35 years except one in 1990 for a relatively small amount of damage caused by a couple of ridge tiles being dislodged by high winds. The house is unlikely to collapse or hit an aeroplane, so what's it for exactly? What are the most common claims? A very long time since I was involved in household business. Theft Burst pipes Storm Accidental damage - spills on carpets etc. All risks - loss of jewellery, specs, dentures etc. Fires caused by chip pans, smoking materials, electrics underground pipes accidental damage to sanitary fixtures etc. Impact by vehicles Flood Malicious damage subsidence glass I think I have personally had 1 claim for impact to a front wall and 2 for loss of specs So, just one claim on house insurance and two minor ones on contents. You've obviously made a substantial loss on premiums overall then, as I have. I'm thinking of not renewing mine (£300 quoted) as I think I'm relatively low risk. You are too, so why do you pay to keep it going? |
#32
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On 30/07/2010 17:21, Norman Wells wrote:
Invisible Man wrote: On 30/07/2010 16:35, Norman Wells wrote: Invisible Man wrote: Have you ever claimed on your house insurance, I wonder? Mine's just come up for renewal and I can't recall ever making a claim in 35 years except one in 1990 for a relatively small amount of damage caused by a couple of ridge tiles being dislodged by high winds. The house is unlikely to collapse or hit an aeroplane, so what's it for exactly? What are the most common claims? A very long time since I was involved in household business. Theft Burst pipes Storm Accidental damage - spills on carpets etc. All risks - loss of jewellery, specs, dentures etc. Fires caused by chip pans, smoking materials, electrics underground pipes accidental damage to sanitary fixtures etc. Impact by vehicles Flood Malicious damage subsidence glass I think I have personally had 1 claim for impact to a front wall and 2 for loss of specs So, just one claim on house insurance and two minor ones on contents. You've obviously made a substantial loss on premiums overall then, as I have. I'm thinking of not renewing mine (£300 quoted) as I think I'm relatively low risk. You are too, so why do you pay to keep it going? You talking buildings or contents? I've got buildings, because should something go wrong like a house fire, I simply can't afford a full rebuild. The chance is very low, but I'm prepared to take a loss on the bet because the potential loss of not taking it is catastrophic. I'll agree contents is closer to optional, but again, take the house fire example : there's a lot of stuff to cover. I could probably start again, but it would be very tight for a while. Contents also gets you third party insurance when out of your house, which is potentially useful. My parents claimed on it for a bike crash I caused when I was a kid. |
#33
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On Fri, 30 Jul 2010 17:21:55 +0100, "Norman Wells"
wrote: Invisible Man wrote: On 30/07/2010 16:35, Norman Wells wrote: Invisible Man wrote: Have you ever claimed on your house insurance, I wonder? Mine's just come up for renewal and I can't recall ever making a claim in 35 years except one in 1990 for a relatively small amount of damage caused by a couple of ridge tiles being dislodged by high winds. The house is unlikely to collapse or hit an aeroplane, so what's it for exactly? What are the most common claims? A very long time since I was involved in household business. Theft Burst pipes Storm Accidental damage - spills on carpets etc. All risks - loss of jewellery, specs, dentures etc. Fires caused by chip pans, smoking materials, electrics underground pipes accidental damage to sanitary fixtures etc. Impact by vehicles Flood Malicious damage subsidence glass I think I have personally had 1 claim for impact to a front wall and 2 for loss of specs So, just one claim on house insurance and two minor ones on contents. You've obviously made a substantial loss on premiums overall then, as I have. I'm thinking of not renewing mine (£300 quoted) as I think I'm relatively low risk. You are too, so why do you pay to keep it going? There are low risk but costly events that are worth insuring against. The most obvious one is fire. -- Peter Duncanson (in uk.tech.digital-tv) |
#34
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On 30/07/2010 16:53, r.bartlett wrote:
Who in their right mind would want to watch an LCD TV for 5 minutes let alone 5 years- when Plasma offers a far better picture.. With the exception of maybe detail in dark scenery (think goth like horror films) the need for Plasma, 1080P etc... is very overstated, and needless confusion for folks just interested in something to watch normal programmes like Coronation Street. Some just love turning the subject into a VHS/Betamax "wrong alley" debate, and the timid run away - confused. And at the other end of silliness, some get recommended the the top end Sony thing that someone else has (or wants) - and haven't got a real clue why it's oh so complicated to use. The worst is one of these sets never seeing a decent HD source and spending a lifetime instead showing SD Coronation Street... -- Adrian C |
#35
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Posted to uk.d-i-y
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Norman Wells wrote:
Invisible Man wrote: Whenever someone tries to sell me a warranty or insurance I say I worked for an insurance company for 36 years and don't believe in it. Car insurance, house and contents insurance and travel insurance I do have. Have you ever claimed on your house insurance, I wonder? Mine's just come up for renewal and I can't recall ever making a claim in 35 years except one in 1990 for a relatively small amount of damage caused by a couple of ridge tiles being dislodged by high winds. The house is unlikely to collapse or hit an aeroplane, so what's it for exactly? What are the most common claims? Theft. Fire. Theft I claimed about £6000 off. Had a real battle with teh loss adjuster who claimed all my second hand junk furniture bought for a couple of hundred was worth thousands of pounds, so wanted to adjust my loss downwards. Lost some garden machinery to the moonlight boys from the traveller camp,.. Claimed a couple of grand on that. Thst conetnts of course. Fire can take the whole house. That's house insurance. I cant see I would ever need it, but storm damage can run into a lot as can flood damage. Neighbours had an oil line split under the house. Whole ground floor up, and about 200 cu meter of 'contaminated' soil removed and replaced..cost 50 grand plus, and took 18 months. Elfin safety innit? Ditto subsidence. Anyway, unless you buy cash, insurance on house is mandatory. |
#36
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![]() "R. Mark Clayton" wrote in message ... "john hamilton" wrote in message ... I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? Depends who it is and how much. Some makers have longer guarantees - e.g. LG have three years on their small ones (which are also monitors) - so not worth paying 10% for another two years in three years' time. Similarly if you buy from Richer Sounds, their extended warranty is only 10% or £9.99p, whichever is more and in some cases you can get the premium back if you don't claim in some cases. Why don't the government simply make all electrical retailers do the same Aldi and Lidl, i.e. an automatic three year warranty (without affecting your statutory rights) on any electrical item sold, my daughter returned an electric rice cooker that I had purchased (and given her) for the princely sum of £9.99, this was almost two years after I had bought it, they didn't have one in stock so refunded the money without batting an eyelid, I hasten to add that she didn't return it for the paltry £9 99, it was just that she liked it so much that she was hoping to get a replacement and was disappointed when the refunded the money instead. I've recently purchased a laptop computer from Aldi which has a three year comprehensive warranty on it, Argos was selling a very similar model and wanted £149.99 extra for a 3 year insurance contract. |
#37
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Posted to uk.tech.digital-tv,uk.d-i-y,uk.people.silversurfers,uk.tech.digital-tv
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![]() "john hamilton" wrote in message ... I'm just about to buy a Sony television for about £500 from ebuyer. A friend says that LCD televisions are now very reliable. So is it really worth paying extra for a five year guarantee? if its not too much YES... |
#38
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On 30/07/2010 17:21, Norman Wells wrote:
Invisible Man wrote: On 30/07/2010 16:35, Norman Wells wrote: Invisible Man wrote: Have you ever claimed on your house insurance, I wonder? Mine's just come up for renewal and I can't recall ever making a claim in 35 years except one in 1990 for a relatively small amount of damage caused by a couple of ridge tiles being dislodged by high winds. The house is unlikely to collapse or hit an aeroplane, so what's it for exactly? What are the most common claims? A very long time since I was involved in household business. Theft Burst pipes Storm Accidental damage - spills on carpets etc. All risks - loss of jewellery, specs, dentures etc. Fires caused by chip pans, smoking materials, electrics underground pipes accidental damage to sanitary fixtures etc. Impact by vehicles Flood Malicious damage subsidence glass I think I have personally had 1 claim for impact to a front wall and 2 for loss of specs So, just one claim on house insurance and two minor ones on contents. You've obviously made a substantial loss on premiums overall then, as I have. I'm thinking of not renewing mine (£300 quoted) as I think I'm relatively low risk. You are too, so why do you pay to keep it going? We pay £180. I am retired and don't have £1/4M+ to rebuild and replace the contents. That is why we have house insurance, not for day to day small losses. Fire, lightning, storm, subsidence and impact can easily run into 5 figures. £180 is a small amount to pay for peace of mind. Contents insurance usually includes personal liability insurance so if you poke someone's eye out with an umbrella, injure someone with a non-motorised bike etc the insurance company pays. Going back to the original topic we have a Sony KDL-52Z4500 which at the time cost £2100 from Digital Empire but I have not felt a need to take out any guarantee or specific insurance on that. |
#39
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On Fri, 30 Jul 2010 14:09:19 +0100, Scott M wrote:
Invisible Man wrote: With all the clever countdowns and displays it never ceases to amaze me that so few washing machines have a facility to sound a warning when the cycle is complete. Zanussi WMs do this. And bloody irritating it is too! They beep at the end of the cycle (so far so good) but, if you don't go and acknowledge it, it'll just carry on until the end of time at short intervals. WJS 1665W has the option to turn it off by pressing the temperature and spin speed buttons simultaneously. -- Geo |
#40
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On 30/07/2010 18:16, Invisible Man wrote:
On 30/07/2010 17:21, Norman Wells wrote: Invisible Man wrote: On 30/07/2010 16:35, Norman Wells wrote: Invisible Man wrote: Have you ever claimed on your house insurance, I wonder? Mine's just come up for renewal and I can't recall ever making a claim in 35 years except one in 1990 for a relatively small amount of damage caused by a couple of ridge tiles being dislodged by high winds. The house is unlikely to collapse or hit an aeroplane, so what's it for exactly? What are the most common claims? A very long time since I was involved in household business. Theft Burst pipes Storm Accidental damage - spills on carpets etc. All risks - loss of jewellery, specs, dentures etc. Fires caused by chip pans, smoking materials, electrics underground pipes accidental damage to sanitary fixtures etc. Impact by vehicles Flood Malicious damage subsidence glass I think I have personally had 1 claim for impact to a front wall and 2 for loss of specs So, just one claim on house insurance and two minor ones on contents. You've obviously made a substantial loss on premiums overall then, as I have. I'm thinking of not renewing mine (£300 quoted) as I think I'm relatively low risk. You are too, so why do you pay to keep it going? We pay £180. I am retired and don't have £1/4M+ to rebuild and replace the contents. That is why we have house insurance, not for day to day small losses. Fire, lightning, storm, subsidence and impact can easily run into 5 figures. £180 is a small amount to pay for peace of mind. Contents insurance usually includes personal liability insurance so if you poke someone's eye out with an umbrella, injure someone with a non-motorised bike etc the insurance company pays. Going back to the original topic we have a Sony KDL-52Z4500 which at the time cost £2100 from Digital Empire but I have not felt a need to take out any guarantee or specific insurance on that. ....and we do use a $ky HD box and have it connected to the PC network etc etc |
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