The new freezer came with an envelope containing the instructions and so
forth. There was a large label on the bag: REGISTER NOW!" This would
'activate the free one year guarantee'. This seems to do no more than
duplicate our statutory rights. In the bag was a glossy brochure
offering 'Peace of mind'. Peace of mind is worth a lot so I read on. It
turned out that the peace of mind was limited to not worrying about the
freezer breaking down. But it was so cheap! The three year plan was only
£77! But hang on a minute! The first year is definitely covered by the
normal warranty (and if the freezer died during the subsequent months
I'd be looking at my consumer rights, since it is not a budget freezer.)
And the £77 is not a one-off payment; it is (as the tiny print implies
but doesn't explicitly state) an annual payment. So for £231 I would get
warranty for years two and three. And the price could increase: "We
reserve the right to alter the fee..." If payment is by direct debit
there's a £10 per annum reduction, presumably because you would continue
to pay during the second and third years without really being aware of it.
The warranty includes 'damage caused accidentally' (I just can't imagine
a likely scenario that would lead to a claim, having read through the
exclusions) but not the cost of spoiled food if the freezer breaks down
or there's a power cut. If the freezer is a write-off during the
warranty period and a new one is supplied the customer would have to pay
delivery charges, install the machine themselves, and dispose of the old
machine at their own cost.
£231 would go a long way towards the cost of a replacement freezer. That
would be with a statutory warranty of at least twelve months.
My experience of white goods extended warranties is that if the item
breaks down you have to wait hours for the phone to answer, then jump
through hoops during a very long phone call, then the repair man comes
many days later. We once had to wait ten working days without a washing
machine. That hardly brings peace of mind. Its better to use a trusted
local repair man. My experience of that is that the phone call lasts two
minutes, he comes the next day, and he charges SFA.

Bill

On Sunday, 29 July 2018 04:17:43 UTC+1, Bill Wright wrote:
The new freezer came with an envelope containing the instructions and so
forth. There was a large label on the bag: REGISTER NOW!" This would
'activate the free one year guarantee'. This seems to do no more than
duplicate our statutory rights. In the bag was a glossy brochure
offering 'Peace of mind'. Peace of mind is worth a lot so I read on. It
turned out that the peace of mind was limited to not worrying about the
freezer breaking down. But it was so cheap! The three year plan was only
£77! But hang on a minute! The first year is definitely covered by the
normal warranty (and if the freezer died during the subsequent months
I'd be looking at my consumer rights, since it is not a budget freezer.)
And the £77 is not a one-off payment; it is (as the tiny print implies
but doesn't explicitly state) an annual payment. So for £231 I would get
warranty for years two and three. And the price could increase: "We
reserve the right to alter the fee..." If payment is by direct debit
there's a £10 per annum reduction, presumably because you would continue
to pay during the second and third years without really being aware of it..
The warranty includes 'damage caused accidentally' (I just can't imagine
a likely scenario that would lead to a claim, having read through the
exclusions) but not the cost of spoiled food if the freezer breaks down
or there's a power cut. If the freezer is a write-off during the
warranty period and a new one is supplied the customer would have to pay
delivery charges, install the machine themselves, and dispose of the old
machine at their own cost.
£231 would go a long way towards the cost of a replacement freezer. That
would be with a statutory warranty of at least twelve months.
My experience of white goods extended warranties is that if the item
breaks down you have to wait hours for the phone to answer, then jump
through hoops during a very long phone call, then the repair man comes
many days later. We once had to wait ten working days without a washing
machine. That hardly brings peace of mind. Its better to use a trusted
local repair man. My experience of that is that the phone call lasts two
minutes, he comes the next day, and he charges SFA.

Bill

What a con!!!!
I only insure the house and cars.

On 29/07/2018 07:28, harry wrote:

What a con!!!!
I only insure the house and cars.


+1 (except we only have the one car).

The whole concept of insuring small losses is obviously barmy. Maybe it
makes sense for people who are so broke and out of credit they can't
afford to replace a small appliance, but otherwise the process of
insuring adds the cost of layers of administration and profit onto the
expected cost of replacement. It's bound to be cheaper to self-insure.

On 29/07/18 08:49, GB wrote:
On 29/07/2018 07:28, harry wrote:

What a con!!!!
I only insure the house and cars.


+1 (except we only have the one car).

The whole concept of insuring small losses is obviously barmy. Maybe it
makes sense for people who are so broke and out of credit they can't
afford to replace a small appliance, but otherwise the process of
insuring adds the cost of layers of administration and profit onto the
expected cost of replacement. It's bound to be cheaper to self-insure.

Actually I think it ties in to a whole mentality which is somnewhat like
the TV rental market used to be. I want a product, but not te
reposnibility of ownerhsip.

So cars are contract hired.With AA style support.

Appliances are bought on credit with a guarantee. If they break then
they are fixed FIC.

Household maintenace is on fixed annual price call out.

It's all about people who can understand monthly outgoings, but not how
to budget.

Further up the income scale, they simply buy new on fault.



--
Those who want slavery should have the grace to name it by its proper
name. They must face the full meaning of that which they are advocating
or condoning; the full, exact, specific meaning of collectivism, of its
logical implications, of the principles upon which it is based, and of
the ultimate consequences to which these principles will lead. They must
face it, then decide whether this is what they want or not.

Ayn Rand.

On 29/07/2018 09:00, The Natural Philosopher wrote:
Actually I think it ties in to a whole mentality which is somnewhat like the TV rental market used to be. I want a product, but not te reposnibility of ownerhsip.

So cars are contract hired.With AA style support.

Appliances are bought on credit with aÂ* guarantee. If they break then they are fixed FIC.

Household maintenace is on fixed annual price call out.

It's all about people who can understand monthly outgoings, but not how to budget.

Further up the income scale, they simply buy new on fault.

Agreed. These extended warranties are in my view always a con. But enough people get taken in that they account for a significant amount of profit for the manufacturer and, of course, the insurance companies involved.

It's also an explanation for the difficulties of the Brexit negotiations, where there's an attempt to separate trade in goods and services. Both are broadly speaking covered while we are a member of the EU, but if we leave - who knows? The problem is that lot of the value of the supply of goods comes from a service element. And not just in consumer purchases: if a business buys a software package it will probably also buy a software update service, and at the highest levels, if you buy a frigate or an airliner you expect that a servicing contract will be included in the deal.


--
Clive Page

In article ,
Clive Page wrote:
Agreed. These extended warranties are in my view always a con. But
enough people get taken in that they account for a significant amount of
profit for the manufacturer and, of course, the insurance companies
involved.

Remember reading details about aftermarket used car warranties. Article
reckoned they paid out about 10% of premiums on claims. Not the sort of
odds I'd gamble on.

For expensive consumer goods, I tend to compare the John Lewis price which
often includes a 5 year warrenty. Don't mind paying a few quid over the
odds for that.

--
*Filthy stinking rich -- well, two out of three ain't bad

Dave Plowman London SW
To e-mail, change noise into sound.

"Clive Page" wrote in message
...
On 29/07/2018 09:00, The Natural Philosopher wrote:
Actually I think it ties in to a whole mentality which is somnewhat like
the TV rental market used to be. I want a product, but not te
reposnibility of ownerhsip.

So cars are contract hired.With AA style support.

Appliances are bought on credit with a guarantee. If they break then
they are fixed FIC.

Household maintenace is on fixed annual price call out.

It's all about people who can understand monthly outgoings, but not how
to budget.

Further up the income scale, they simply buy new on fault.

Agreed. These extended warranties are in my view always a con. But
enough people get taken in that they account for a significant amount of
profit for the manufacturer and, of course, the insurance companies
involved.

It's also an explanation for the difficulties of the Brexit negotiations,
where there's an attempt to separate trade in goods and services. Both
are broadly speaking covered while we are a member of the EU, but if we
leave - who knows? The problem is that lot of the value of the supply of
goods comes from a service element. And not just in consumer purchases:
if a business buys a software package it will probably also buy a software
update service, and at the highest levels, if you buy a frigate or an
airliner you expect that a servicing contract will be included in the
deal.


ITYF that ongoing maintenance of a purchased item is not the type of service
that is considered separately from goods under EU regs.

There wont be a specific problem with this when we leave

tim

On 29/07/2018 10:15, Clive Page wrote:
On 29/07/2018 09:00, The Natural Philosopher wrote:
Actually I think it ties in to a whole mentality which is somnewhat
like the TV rental market used to be. I want a product, but not te
reposnibility of ownerhsip.

So cars are contract hired.With AA style support.

Appliances are bought on credit with aÂ* guarantee. If they break then
they are fixed FIC.

Household maintenace is on fixed annual price call out.

It's all about people who can understand monthly outgoings, but not
how to budget.

Further up the income scale, they simply buy new on fault.

Agreed.Â* These extended warranties are in my view always a con.Â* But
enough people get taken in that they account for a significant amount of
profit for the manufacturer and, of course, the insurance companies
involved.

I have only ever bought one and I think that one was a pretty good deal.

I bought a twin cassette unit to add to my separates system (in the late
90s). It cost me £120 at Richer sounds. An extra £20 bought a 10-year
warranty, plus free head cleaning and free head re-alignment throughout
that period. It also gave a 1/3 (1/2 if you still had the original
packaging) refund against an upgrade purchase in those 10 years.

SteveW

harry wrote:
What a con!!!!
I only insure the house and cars.
Spooky! Something that I 100% agree with Harry over

On 29/07/18 04:17, Bill Wright wrote:
The new freezer came with an envelope containing the instructions and so
forth. There was a large label on the bag: REGISTER NOW!" This would
'activate the free one year guarantee'. This seems to do no more than
duplicate our statutory rights. In the bag was a glossy brochure
offering 'Peace of mind'. Peace of mind is worth a lot so I read on. It
turned out that the peace of mind was limited to not worrying about the
freezer breaking down. But it was so cheap! The three year plan was only
£77! But hang on a minute! The first year is definitely covered by the
normal warranty (and if the freezer died during the subsequent months
I'd be looking at my consumer rights, since it is not a budget freezer.)
And the £77 is not a one-off payment; it is (as the tiny print implies
but doesn't explicitly state) an annual payment. So for £231 I would get
warranty for years two and three. And the price could increase: "We
reserve the right to alter the fee..." If payment is by direct debit
there's a £10 per annum reduction, presumably because you would continue
to pay during the second and third years without really being aware of it.
The warranty includes 'damage caused accidentally' (I just can't imagine
a likely scenario that would lead to a claim, having read through the
exclusions) but not the cost of spoiled food if the freezer breaks down
or there's a power cut. If the freezer is a write-off during the
warranty period and a new one is supplied the customer would have to pay
delivery charges, install the machine themselves, and dispose of the old
machine at their own cost.
£231 would go a long way towards the cost of a replacement freezer. That
would be with a statutory warranty of at least twelve months.
My experience of white goods extended warranties is that if the item
breaks down you have to wait hours for the phone to answer, then jump
through hoops during a very long phone call, then the repair man comes
many days later. We once had to wait ten working days without a washing
machine. That hardly brings peace of mind. Its better to use a trusted
local repair man. My experience of that is that the phone call lasts two
minutes, he comes the next day, and he charges SFA.

Bill

Our fridge-freezer died a few weeks ago on the then hottest weekend of
the year. It was just under 4 years old, and 2 years out of guarantee.
It was definitely not a budget appliance! On the Monday an email went to
Customer Support, asking why an expensive "reliable" machine had gone
wrong in such a short time. The email was answered by return and with
much concern. To cut a longish story short, I was offered a brand-new FF
at 50% discount, and a further year's guarantee (over the two years
standard) free of charge. I consider that very reasonable as, being
out-of-guarantee I could have been told to get lost.

One other point. Because we needed a fridge in the short term, on the
morning the FF failed I bought a budget one which works perfectly well,
but I have been totally unable to register it over the internet for its
one-year guarantee. I fill out the form and it just sits there
"confirming" the info endlessly. It's no more than I would get from my
consumer rights, anyway, so I gave up.

--

Jeff

On 29/07/2018 07:40, Jeff Layman wrote:

One other point. Because we needed a fridge in the short term, on the
morning the FF failed I bought a budget one which works perfectly well,
but I have been totally unable to register it over the internet for its
one-year guarantee. I fill out the form and it just sits there
"confirming" the info endlessly. It's no more than I would get from my
consumer rights, anyway, so I gave up.


You don't have to register it for the 1 year guarantee. The retailer is
responsible and the purchase receipt should be enough.

Manufacturers only want you to register on line so they know what
address to send the reminder about your warranty running out and to
point out the danger of not paying them lots of money to extend the
warranty. The small print may say that they cover parts but not labour.

--
mailto : news {at} admac {dot} myzen {dot} co {dot} uk

alan_m Wrote in message:
On 29/07/2018 07:40, Jeff Layman wrote:

One other point. Because we needed a fridge in the short term, on the
morning the FF failed I bought a budget one which works perfectly well,
but I have been totally unable to register it over the internet for its
one-year guarantee. I fill out the form and it just sits there
"confirming" the info endlessly. It's no more than I would get from my
consumer rights, anyway, so I gave up.


You don't have to register it for the 1 year guarantee. The retailer is
responsible and the purchase receipt should be enough.

Manufacturers only want you to register on line so they know what
address to send the reminder about your warranty running out and to
point out the danger of not paying them lots of money to extend the
warranty. The small print may say that they cover parts but not labour.


And to know who to warn when it turns out their products
spontaneously self combust...
--
--
Jim K


----Android NewsGroup Reader----
http://usenet.sinaapp.com/

Jim K formulated on Sunday :
And to know who to warn when it turns out their products
spontaneously self combust...
--

Only if the authorities force them to admit it..

On 29/07/2018 07:40, Jeff Layman wrote:

Our fridge-freezer died a few weeks ago on the then hottest weekend of
the year.

That's when they go wrong.

Bill

On 29/07/2018 14:22, Bill Wright wrote:
On 29/07/2018 07:40, Jeff Layman wrote:

Our fridge-freezer died a few weeks ago on the then hottest weekend of
the year.

That's when they go wrong.

Bill
Ours once went wrong the night before we went on holiday. We called a
repair man who said it could not be repaired (£35 please). My wife went
round neigbours asking if they had any spare space and it all got spread
around.
Derek

On 29/07/2018 22:49, DerekF wrote:

Ours once went wrong the night before we went on holiday. We called a
repair man who said it could not be repaired (£35 please). My wife went
round neighbours asking if they had any spare space and it all got spread
around.
Derek

I was the kind soul who accommodated my neighbour's frozen food when
their freezer went wrong. By taking all my frozen stuff out of my
freezer and then packing it back in very neatly and with the very
minimum of wasted space, I managed to get nearly all of the neighbour's
frozen food in the space freed up.

But it wouldn't all go in so I asked what they were prepared to leave
out. The kids immediately said to leave the big tub of ice cream
because they would eat it now. :-)
The parents were a bit more practical and suggested the loaf of bread
and the carton of milk because they didn't cost much and took up a lot
of room, and were only there in case they ran short.

The parents won!

Jim

On 29/07/2018 07:40, Jeff Layman wrote:
On 29/07/18 04:17, Bill Wright wrote:
The new freezer came with an envelope containing the instructions and so
forth. There was a large label on the bag: REGISTER NOW!" This would
'activate the free one year guarantee'. This seems to do no more than
duplicate our statutory rights. In the bag was a glossy brochure
offering 'Peace of mind'. Peace of mind is worth a lot so I read on. It
turned out that the peace of mind was limited to not worrying about the
freezer breaking down. But it was so cheap! The three year plan was only
£77! But hang on a minute! The first year is definitely covered by the
normal warranty (and if the freezer died during the subsequent months
I'd be looking at my consumer rights, since it is not a budget freezer.)
And the £77 is not a one-off payment; it is (as the tiny print implies
but doesn't explicitly state) an annual payment. So for £231 I would get
warranty for years two and three. And the price could increase: "We
reserve the right to alter the fee..." If payment is by direct debit
there's a £10 per annum reduction, presumably because you would continue
to pay during the second and third years without really being aware of
it.
The warranty includes 'damage caused accidentally' (I just can't imagine
a likely scenario that would lead to a claim, having read through the
exclusions) but not the cost of spoiled food if the freezer breaks down
or there's a power cut. If the freezer is a write-off during the
warranty period and a new one is supplied the customer would have to pay
delivery charges, install the machine themselves, and dispose of the old
machine at their own cost.
£231 would go a long way towards the cost of a replacement freezer. That
would be with a statutory warranty of at least twelve months.
My experience of white goods extended warranties is that if the item
breaks down you have to wait hours for the phone to answer, then jump
through hoops during a very long phone call, then the repair man comes
many days later. We once had to wait ten working days without a washing
machine. That hardly brings peace of mind. Its better to use a trusted
local repair man. My experience of that is that the phone call lasts two
minutes, he comes the next day, and he charges SFA.

Bill

Our fridge-freezer died a few weeks ago on the then hottest weekend of
the year. It was just under 4 years old, and 2 years out of guarantee.
It was definitely not a budget appliance! On the Monday an email went to
Customer Support, asking why an expensive "reliable" machine had gone
wrong in such a short time. The email was answered by return and with
much concern. To cut a longish story short, I was offered a brand-new FF
at 50% discount, and a further year's guarantee (over the two years
standard) free of charge. I consider that very reasonable as, being
out-of-guarantee I could have been told to get lost.

One other point. Because we needed a fridge in the short term, on the
morning the FF failed I bought a budget one which works perfectly well,
but I have been totally unable to register it over the internet for its
one-year guarantee. I fill out the form and it just sits there
"confirming" the info endlessly. It's no more than I would get from my
consumer rights, anyway, so I gave up.

I had a US Robotics modem/answer phone that died during a storm. It was
well out of guarantee so I contacted them to ask if it could be
repaired. They said that their products had a six year warranty and to
send it back for examination and they replaced it for me.
I had an IBM Hard Disk that failed I thought was probably out of
warranty. I phoned them and they asked for its serial number saying that
they had a batch with a high failure rate. It turned out to be from that
batch and they replaced it.
Derek

On 29/07/2018 04:17, Bill Wright wrote:
The new freezer came with an envelope containing the instructions and so
forth. There was a large label on the bag: REGISTER NOW!"
I don't take the extended warranty out on anything.

As you say, the first year (or more) is covered and statistically
failures tend to follow the bath tub curve. It will be dead on arrival,
fail soon after you purchased it or fail at the end of its "normal
lifespan" Things like fridges and freezers tend to be very reliable.

Furthermore, if you are that worried about extending a warranty you will
probably find that by shopping around for this type of insurance from a
third party is much cheaper than obtaining it from the manufacturer or
from the retailer from where you purchased the item.

--
mailto : news {at} admac {dot} myzen {dot} co {dot} uk

On 29/07/2018 04:17, Bill Wright wrote:
The new freezer came with an envelope containing the instructions and
so forth. There was a large label on the bag: REGISTER NOW!" This
would 'activate the free one year guarantee'. This seems to do no
more than duplicate our statutory rights. In the bag was a glossy
brochure offering 'Peace of mind'. Peace of mind is worth a lot so I
read on. It turned out that the peace of mind was limited to not
worrying about the freezer breaking down. But it was so cheap! The
three year plan was only £77! But hang on a minute! The first year is
definitely covered by the normal warranty (and if the freezer died
during the subsequent months I'd be looking at my consumer rights,
since it is not a budget freezer.) And the £77 is not a one-off
payment; it is (as the tiny print implies but doesn't explicitly
state) an annual payment. So for £231 I would get warranty for years
two and three. And the price could increase: "We reserve the right to
alter the fee..." If payment is by direct debit there's a £10 per
annum reduction, presumably because you would continue to pay during
the second and third years without really being aware of it. The

It is a familiar business model of offering vastly overpriced customer
support contracts on things sold cheaply. You will almost certainly find
that in the month running up to the first anniversary of your purchase
they will try again with an even more "tempting" offer.

The droids at the checkout always look a bit hurt when I decline the
optional ripoff insurance deal they are obliged to push on consumers.

Depending on the cost of the device it is almost certainly far cheaper
to save the money you would have spent on such insurance for buying a
replacement if the thing dies. I reckon a freezer is typically good for
a decade if you don't do stupid things to it. Our VH manages to kill the
odd fridge by people moving them too brutally and then not letting them
settle before powering up again (or some other means).

--
Regards,
Martin Brown

Martin Brown Wrote in message:
On 29/07/2018 04:17, Bill Wright wrote:
The new freezer came with an envelope containing the instructions and
so forth. There was a large label on the bag: REGISTER NOW!" This
would 'activate the free one year guarantee'. This seems to do no
more than duplicate our statutory rights. In the bag was a glossy
brochure offering 'Peace of mind'. Peace of mind is worth a lot so I
read on. It turned out that the peace of mind was limited to not
worrying about the freezer breaking down. But it was so cheap! The
three year plan was only £77! But hang on a minute! The first year is
definitely covered by the normal warranty (and if the freezer died
during the subsequent months I'd be looking at my consumer rights,
since it is not a budget freezer.) And the £77 is not a one-off
payment; it is (as the tiny print implies but doesn't explicitly
state) an annual payment. So for £231 I would get warranty for years
two and three. And the price could increase: "We reserve the right to
alter the fee..." If payment is by direct debit there's a £10 per
annum reduction, presumably because you would continue to pay during
the second and third years without really being aware of it. The

It is a familiar business model of offering vastly overpriced customer
support contracts on things sold cheaply. You will almost certainly find
that in the month running up to the first anniversary of your purchase
they will try again with an even more "tempting" offer.

The droids at the checkout always look a bit hurt when I decline the
optional ripoff insurance deal they are obliged to push on consumers.

Depending on the cost of the device it is almost certainly far cheaper
to save the money you would have spent on such insurance for buying a
replacement if the thing dies. I reckon a freezer is typically good for
a decade if you don't do stupid things to it. Our VH manages to kill the
odd fridge by people moving them too brutally and then not letting them
settle before powering up again (or some other means).


VH?
--
--
Jim K


----Android NewsGroup Reader----
http://usenet.sinaapp.com/

On 29/07/2018 09:11, Jim K wrote:

VH?


Violent helper

Bill

Martin Brown wrote :
It is a familiar business model of offering vastly overpriced customer
support contracts on things sold cheaply. You will almost certainly find that
in the month running up to the first anniversary of your purchase they will
try again with an even more "tempting" offer.

I renewed my car insurance last Friday, no change in cost from last
year and unlikely to be beaten elsewhere. During the call to renew, the
droid tried to up-sell with offers for extra cover for any tools and
equipment I might have in my garage. There is a hell of a lot of tool
money in there, but chances of anyone breaking in and walking out with
anything useful - nill. It just doesn't happen here, besides they would
need a truck to get away with much and people might notice.

On 29/07/2018 09:19, Harry Bloomfield wrote:
Martin Brown wrote :
It is a familiar business model of offering vastly overpriced customer
support contracts on things sold cheaply. You will almost certainly
find that in the month running up to the first anniversary of your
purchase they will try again with an even more "tempting" offer.

I renewed my car insurance last Friday, no change in cost from last year
and unlikely to be beaten elsewhere. During the call to renew, the droid
tried to up-sell with offers for extra cover for any tools and equipment
I might have in my garage. There is a hell of a lot of tool money in
there, but chances of anyone breaking in and walking out with anything
useful - nill. It just doesn't happen here, besides they would need a
truck to get away with much and people might notice.

That may be true if you live on Lundy, but I'm rather sceptical elsewhere.

I'm just trying to remember what pride comes before.

Norman Wells formulated on Sunday :
That may be true if you live on Lundy, but I'm rather sceptical elsewhere.

Two large dogs provide better insurance and they never complain that
they '...don't cover that'.

Norman Wells formulated on Sunday :
That may be true if you live on Lundy, but I'm rather sceptical elsewhere.

I'm just trying to remember what pride comes before.

I insure the car, because it is a legal requirement. I insure the house
because I could not afford to replace it. I self insure everything
else, including myself, with the money I have saved in not paying for
extra insurances and extended warranties. I save a considerable amount
by also paying cash for everything I buy. Having spare cash available
also helps make everything much cheaper to buy. If I see a genuine
bargain, I can buy it there and then.

Harry Bloomfield Wrote in message:
Norman Wells formulated on Sunday :
That may be true if you live on Lundy, but I'm rather sceptical elsewhere.

I'm just trying to remember what pride comes before.

I insure the car, because it is a legal requirement. I insure the house
because I could not afford to replace it. I self insure everything
else, including myself, with the money I have saved in not paying for
extra insurances and extended warranties. I save a considerable amount
by also paying cash for everything I buy.

By encouraging tax evasion?

Having spare cash available
also helps make everything much cheaper to buy.

Ditto?


--
Jim K


----Android NewsGroup Reader----
http://usenet.sinaapp.com/

Harry Bloomfield wrote

I insure the car, because it is a legal requirement.

I do that too, but don't have any of the optional car insurance.

I insure the house because I could not afford to replace it.

I don't, because I can afford to replace it, and because it is very
unlikely that I would lose the entire house in any circumstances.

OTOH my neighbour just one house away managed to
lose their entire house when some loony decided that
it was infested with demons and put plastic bags full of
petrol inside the house and lit one outside the house.

She's apparently still at large.

I self insure everything else, including myself,

Yeah, I don't bother with health insurance either,
tho here, it does get you a quicker result with the
no life threatening medical issues like cataracts etc.

with the money I have saved in not paying for extra insurances
and extended warranties. I save a considerable amount by also
paying cash for everything I buy. Having spare cash available
also helps make everything much cheaper to buy. If I see a
genuine bargain, I can buy it there and then.

Me too. But I chose to borrow when building the house,
partly because I was interested in seeing if it could be
done, but also because I was earning a lot more on
that money speculating in the stock market than
I was paying in interest on the borrowing.

On 29/07/2018 10:12, Harry Bloomfield wrote:

If I see a genuine bargain, I can
buy it there and then.

I got 15 peaches for £1.50 on the market the other day.

Bill

On Sunday, 29 July 2018 10:12:04 UTC+1, Harry Bloomfield wrote:
Norman Wells formulated on Sunday :
That may be true if you live on Lundy, but I'm rather sceptical elsewhere.

I'm just trying to remember what pride comes before.

I insure the car, because it is a legal requirement. I insure the house
because I could not afford to replace it. I self insure everything
else, including myself, with the money I have saved in not paying for
extra insurances and extended warranties. I save a considerable amount
by also paying cash for everything I buy. Having spare cash available
also helps make everything much cheaper to buy. If I see a genuine
bargain, I can buy it there and then.

A man after my own heart!
If anything goes bust I spend quite a while trying to fix it.

On 29/07/2018 09:52, Norman Wells wrote:

I'm just trying to remember what pride comes before.


A burglary.

Bill

On 29/07/2018 09:19, Harry Bloomfield wrote:
It just doesn't happen here, besides they would need a
truck to get away with much and people might notice.

When they stole my mates pickup they used a two truck. The next door
neighbour made the drivers of the tow truck a cup of tea.
--
Adam

In article ,
ARW wrote:
On 29/07/2018 09:19, Harry Bloomfield wrote:
It just doesn't happen here, besides they would need a
truck to get away with much and people might notice.

When they stole my mates pickup they used a two truck. The next door
neighbour made the drivers of the tow truck a cup of tea.

Kind neighbours are a godsend. ;-)

--
*I don't work here. I'm a consultant

Dave Plowman London SW
To e-mail, change noise into sound.

ARW used his keyboard to write :
When they stole my mates pickup they used a two truck. The next door
neighbour made the drivers of the tow truck a cup of tea.

--

Perhaps they (your mate) ought to move somewhere less troubled by such
things, a low crime area.

Harry Bloomfield wrote:

ARW used his keyboard to write :

Perhaps they (your mate) ought to move somewhere less troubled by such
things, a low crime area.

You had 2.5x the crime of my area (in May 2018)

https://www.crime-statistics.co.uk/postcode/LS25%201PW
https://www.crime-statistics.co.uk/postcode/LE8%205PW

In article ,
Martin Brown wrote:
On 29/07/2018 04:17, Bill Wright wrote:
The new freezer came with an envelope containing the instructions and
so forth. There was a large label on the bag: REGISTER NOW!" This
would 'activate the free one year guarantee'. This seems to do no
more than duplicate our statutory rights. In the bag was a glossy
brochure offering 'Peace of mind'. Peace of mind is worth a lot so I
read on. It turned out that the peace of mind was limited to not
worrying about the freezer breaking down. But it was so cheap! The
three year plan was only £77! But hang on a minute! The first year is
definitely covered by the normal warranty (and if the freezer died
during the subsequent months I'd be looking at my consumer rights,
since it is not a budget freezer.) And the £77 is not a one-off
payment; it is (as the tiny print implies but doesn't explicitly
state) an annual payment. So for £231 I would get warranty for years
two and three. And the price could increase: "We reserve the right to
alter the fee..." If payment is by direct debit there's a £10 per
annum reduction, presumably because you would continue to pay during
the second and third years without really being aware of it. The

It is a familiar business model of offering vastly overpriced customer
support contracts on things sold cheaply. You will almost certainly find
that in the month running up to the first anniversary of your purchase
they will try again with an even more "tempting" offer.

I keep being rung up and told my boiler insurance is about to expire and I
need to "renew".

My boiler was installed in 1988 and has never been insured.

--
from KT24 in Surrey, England
"I'd rather die of exhaustion than die of boredom" Thomas Carlyle

"Bill Wright" wrote in message
news
The new freezer came with an envelope containing the instructions
and so forth. There was a large label on the bag: REGISTER NOW!"
This would 'activate the free one year guarantee'. This seems to do
no more than duplicate our statutory rights. In the bag was a glossy
brochure offering 'Peace of mind'. Peace of mind is worth a lot so I
read on. It turned out that the peace of mind was limited to not
worrying about the freezer breaking down. But it was so cheap! The
three year plan was only £77! But hang on a minute! The first year
is definitely covered by the normal warranty (and if the freezer
died during the subsequent months I'd be looking at my consumer
rights, since it is not a budget freezer.) And the £77 is not a
one-off payment; it is (as the tiny print implies but doesn't
explicitly state) an annual payment. So for £231 I would get
warranty for years two and three. And the price could increase: "We
reserve the right to alter the fee..." If payment is by direct debit
there's a £10 per annum reduction, presumably because you would
continue to pay during the second and third years without really
being aware of it.
The warranty includes 'damage caused accidentally' (I just can't
imagine a likely scenario that would lead to a claim, having read
through the exclusions) but not the cost of spoiled food if the
freezer breaks down or there's a power cut. If the freezer is a
write-off during the warranty period and a new one is supplied the
customer would have to pay delivery charges, install the machine
themselves, and dispose of the old machine at their own cost.
£231 would go a long way towards the cost of a replacement freezer.
That would be with a statutory warranty of at least twelve months.
My experience of white goods extended warranties is that if the item
breaks down you have to wait hours for the phone to answer, then
jump through hoops during a very long phone call, then the repair
man comes many days later. We once had to wait ten working days
without a washing machine. That hardly brings peace of mind. It's
better to use a trusted local repair man. My experience of that is
that the phone call lasts two minutes, he comes the next day, and he
charges SFA.



Maybe I'm wrong but I thought under EU law any appliance had to have
a minimum two year guarantee. Certainly anything like a FF bought from
John Lewis gets a minimum of two years.

Add to that that the 'life expectancy' of a major appliance is
considered to be of the order of six years and you would certainly
have a strong has under the CRA if it failed much before that and had
not been abused.

Mind you try telling that to an irk in Expensive World!


--
Woody

harrogate3 at ntlworld dot com

On Sunday, 29 July 2018 09:00:48 UTC+1, Woody wrote:
Maybe I'm wrong but I thought under EU law any appliance had to have
a minimum two year guarantee.

EU law requires you to be able to enforce your statutory rights against the retailer for a minimum of two years. Irrelevant in Britain, as the limitation period is six years from purchase anyway (five in Scotland, from the discovery of a fault). Some countries in the UK had much shorter periods, or the period could be limited by contract.

It means you can take Pound Shop to court if your £1 solar garden lantern fails 729 days after purchase. It doesn't mean you will win your case, if the court decides that 729 days is a reasonable lifespan for the product..

Owain

On 29/07/2018 14:04, wrote:
On Sunday, 29 July 2018 09:00:48 UTC+1, Woody wrote:
Maybe I'm wrong but I thought under EU law any appliance had to
have a minimum two year guarantee.

EU law requires you to be able to enforce your statutory rights
against the retailer for a minimum of two years. Irrelevant in
Britain, as the limitation period is six years from purchase anyway
(five in Scotland, from the discovery of a fault). Some countries in
the UK had much shorter periods, or the period could be limited by
contract.

I think you will find they can't take your statutory rights away by
contract.

dennis@home wrote:

wrote:

Woody wrote:
I thought under EU law any appliance had to have a minimum two
year guarantee.

EU law requires you to be able to enforce your statutory rights
against the retailer for a minimum of two years. Irrelevant in
Britain, as the limitation period is six years from purchase anyway
(five in Scotland, from the discovery of a fault). Some countries in
the UK had much shorter periods, or the period could be limited by
contract.

I think you will find they can't take your statutory rights away by
contract.

If 1999/44/EC was a EU Regulation, it would apply directly in all EU
countries, but it's a EU Directive, which means it needs to be
implemented individually into each country's laws.

The relevant UK Statutory Instrument is "The Sale and Supply of Goods to
Consumers Regulations 2002" which claims to implement 1999/44/EC, but
makes no mention of any two year guarantee period.

https://www.legislation.gov.uk/uksi/2002/3045/pdfs/uksi_20023045_en.pdf

"Andy Burns" wrote in message
...
dennis@home wrote:

wrote:

Woody wrote:
I thought under EU law any appliance had to have a minimum two
year guarantee.

EU law requires you to be able to enforce your statutory rights
against the retailer for a minimum of two years. Irrelevant in
Britain, as the limitation period is six years from purchase anyway
(five in Scotland, from the discovery of a fault). Some countries in
the UK had much shorter periods, or the period could be limited by
contract.

I think you will find they can't take your statutory rights away by
contract.

If 1999/44/EC was a EU Regulation, it would apply directly in all EU
countries, but it's a EU Directive, which means it needs to be implemented
individually into each country's laws.

The relevant UK Statutory Instrument is "The Sale and Supply of Goods to
Consumers Regulations 2002" which claims to implement 1999/44/EC, but
makes no mention of any two year guarantee period.

because there is no such thing as an EU mandated warranty period

tim