Can I insure second hand appliances?
Everyone loves a bargain, don’t they? Some of the best of these might be those items you manage to pick up second hand and which have many years of reliable working life in them still.
As a consumer you are still protected by the same rights as it you were buying the items new, explains the Money Saving Expert, which helps to lay out some of the nitty gritty of just what those rights might be.
For all that, however, and although you have the right to expect second hand goods to match the condition in which they were advertised and of satisfactory quality, they do not come with the backing of any manufacturer’s warranty if faults appear and things go wrong after you’ve bought them.
KAPUT appliance insurance
That’s just where we may come up with the solution when things go KAPUT.
Provided that it is no more than eight years old, we are happy to insure second hand appliances in the same way as if they were new. This means protection whether:
- you bought a second hand appliance through your local newspaper, responded to an ad in the newsagent’s window or bought it online through a site such as eBay or Gumtree;
- you might have bought it instead from a friend, a member of the family or someone else you know; or
- a house full of domestic appliances might have been left to you in an inheritance.
New and old
This also means that you are able to mix and match with both new and second hand items if you choose to cover up to 10 different appliances, all under the same policy – and in that way, make savings on the effective cost of insuring each individual item.
You stand to make still further savings on the discount for paying for the insurance in one single instalment by getting 1 months cover for the price of just 10.
How it works
Once covered, if one of the domestic appliances – new or second hand – goes KAPUT at the most inconvenient of times, just give us a call on our free telephone line (24/7, 365 days a year) and we will spring into action.
We arrange for a fully trained and qualified engineer to come out to your home and repair the offending appliance. There is no call out charge for you to pay, and no charge for parts or labour. They are all covered in the monthly or annual premiums you are paying.
Each appliance is covered separately, so a claim on one does not affect your ability to claim on other appliances if they fail.
The engineer that calls to your home will be CRB cleared and make an appointment in advance. The van he is driving should be stocked with all of the most popular replacement parts most likely to be needed, so he may be able to repair the appliance then and there. If the appliance proves to be beyond economic repair, your insurance covers its replacement or a cash settlement, all subect to the policy Terms & Conditions.
And quite refreshingly, in the event of a claim, we don't ask for any excess payments at all!
In a press release we issued earlier this year KAPUT warned that as many as 70% of consumers failed to appreciate the way in which warranty insurance works and that the age group most likely to have this gap in their knowledge are 45 to 54 year olds.