Is Taking out Domestic Appliance Insurance Worth the Investment?
It's always a pleasurable experience to buy a new home appliance, especially one that will make your life easier. As you set off on your rounds to learn about what's new on the market, and eventually choose which new washing machine, drier, fridge, oven, dish washer (or even all of them) then you look forward to improved quality of life that your new purchase will bring. You are already forming an imaginary picture of your new toy sparkling away in a corner of your home, efficiently carrying out the tasks it has been selected for, when the salesperson who has just spent some time and a lot of their skills and knowledge explaining all the virtues of the new machine that you have chosen, approaches you with an offer for extended domestic appliance insurance, and always after the deal has been completed.
You find yourself asking "if this appliance is so good, why should I need to insure it against breaking down?" But you already know the answer. Nothing stays new forever and if the new appliance will be in use, things will eventually start to wear out, and need to be replaced.
All quality domestic appliances come with a year's guarantee, and some with two or even three years. So why look further than that in the short term. Most domestic appliances will give at least two to three years of problem free service if looked after properly.
It's usually after the machine has been in use about three years or more that the question arises: Is taking out domestic appliance insurance worth the investment? What should be taken into account is how much did the appliance cost, what it will cost to replace it today and how much will the domestic appliance insurance cost against calling out someone from the yellow pages to carry out a breakdown repair on a one-off basis.
If the decision is reached to take out domestic appliance insurance, it is very worthwhile to check out the costs, for parts only or parts and labour. It goes without saying that comparing quotes is a must; with a preference of working with tradesmen who are accredited repair specialist for the appliance you are interested in insuring. Armed with these facts you can go ahead and make your decision.
Much as in time you will come to love all these appliances that you have bought, especially if they have been loyal servants and given little trouble, sentiment should never be allowed to play a part in deciding to renew your domestic appliance insurance. For a start, you should never agree to be convinced to renew the insurance automatically, or all of your appliance insurance be lumped together on one policy for "convenience". Instead you should sit down at the beginning of the year, and carry out the check that you did when you first took out the insurance for a particular domestic appliance, and add another feature.
- how much did the appliance cost,
- how much will it cost to replace it
- how many years of loyal service has it given me
- how much will the domestic appliance insurance cost
By doing these regular checks, you will be able decide to say "thanks loyal and trusty servant" and vacate its place for a new, shiny model. That's life!
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