I have in the past, taken out a 'Coverplan' warranty on all electrical goods purchased at Curys etc.. Having purchased a Beko dishwasher, the device brokedown causing circuit breakers to trip etc... The problem was identified as being with the dishwasher ....
Placing a call via the Coverplan Service agreement, you are told that someone needs to be available all day between the hours of 8am - 6pm on the scheduled engineers visit.
If you miss the engineers visit, for any reason, you will have to pay £58 to book a further engineer call out ....!!
Hmmm .... So you pay a monthly premium to cover your cherised electrical items under the Coverplan Service Agreement. If your product fails etc., you have to take a day out of work to accomodate a visiting engineer - the onus being on the engineers availability - time & date etc... Further more, if you fail to meet the arranged appointment, for what ever reason - and these people don't care for any excuses, and the engineer leaves - you will have to fork out a £58 fee as a result of missing the appointment and booking a further call out ...
Needless to say - I intend to stop all current / in force monthly paid 'Coverplan Service Agreemnts. In future I will go with the manufacturers recommended service providers.
1. Don't buy a Beko Dish washer ..
2. Don't buy a Curry's coverplan agreement ..
The annual bout of phone calls and clicking can be a real pain, but it certainly can pay off if you put work into it. But it isn't a case of you get what you pay for... Here are a few tips to help people get better car insurance deals (from my experience working for insurance companies!):
* Always be honest in your answers!! If you hide, say, a conviction, the insurance company will probably find out if you make a claim, and it can cost you dearly then and in the future!
* Always get details in writing before accepting a quote. I ahve know occasions where commission-hungry staff quoted third party prices as being comprehensive! You do however, have 14 days to cancel.
* Check how long the quote lasts for - some companies only let their quotes stand for 14 days.
* Get a "new customer" quote from your existing insurance company - you will usually find it cheaper than the renewal!
* Have you got the right cover? Do you really need comprehensive cover for that 20 year old banger?!?
* Check for "included" options. Some quotes automatically put in extras, such as breakdown cover. If you don't need it, ask for it to be removed!
* Having named drivers may be cheaper than an all drivers policy.
* Check that you have proper security on your car, and put the car in a garage or drive - it is usually cheaper!
* ALWAYS READ THE SMALL PRINT AND TEH POLICY BOOK!!! You are signing up to a legally-binding contract, and will be held to it! Understand what you are signing for, and if you are not sure - ask!
* Don't put too much weight on the No claims offered - look at the overall price! (a 50% discount on a £1000 policy is not as good as 20% discount on a £600 policy!)
Questions to ask:
~Courtesy Car -
* Do your get one? Not all companies do provide one!
* Who provides it? Most insurance companies will only provide one if you use their nominated repairer. Some will hire one out for you, regardless of where you get repairs.
* How long for? Some companies put on a limit, and you may find your courtesy car being taken away even if your car is not repaired!
* Is it guaranteed? Most companies provide cars subject to availability
* How long do you need to wait?
~ No Claims Discount (or bonus)
* How many years / what percentage do you lose if you make a claim? Some insurance companies take away the whole lot!
* Can the no claims be protected? Ask how many claims you can make before losing NCD (Usually 1 per year to maximum of 2 in 3 years) IMPORTANT!!! It is a NO CLAIM discount, NOT NO BLAME! - If the accident is not your fault, but there is no-one to claim from, it will count as a claim against you (with limited exceptions).
* "lifelong protection" is only as long as you stay with that company - you can't take it with you!
There is so much more that it is impossible to recount them all here. I will happily post aother review if the option becomes available, but that is getting into guidance and not reviews. Hopefully, the above will make comparisons easier. Just remember that YOU decide whether to accept a quote or not, so take time to consider your options. Good hunting!
Lets face it, shopping around for essential, all be them dull items is tedious and monotonous. Unless you are passionate about insurance then, surely in it various guises (motor, home, travel etc) this falls into the boooooooooooring catgory. Recently having changed address, I needed to get my act together and source some home insurance, contents to be more specific. Now we all have our usual methods of doing this, whether we are lured by TV adverts, opt to troll through the Yellow pages or to take advice from a well meaning friend or relative. If you have had it for years then we tend to stick with what we know. I decided after using the web for various investigations and purchases that I would have a look at what was on offer online. Slightly more fun than the Yellow pages if nothing else. I came across the site www.ask4quote.co.uk and my life became decidedly simpler. This site offers to track down the quotes for you, you fill in a pretty straight forward form detailing your requirements and leave the rest to the site. Within 24 hours of leaving my details the quotes started to come in. You are on the site live for about a week but if you have not found the right deal you can extend that time frame. The site does not just to home insurance it also covers motor, travel, loans and mortgages within their finance section. All easy to use, privately held with your own user name and password. There is the standard disclaimer that your details are not going to be sold onto third parties and best of all the service is completely FREE to use as often as you like. They also help with quotes for business services (online advertising, computer networks, telephone services etc) Travel (Flights, holidays, car hire etc) And there's a category called: House, Home & Life - the list of what they cover in this category alone is far too extensive to cover here, have a look is the best advice I can give. It is compreh
ensive and although I have yet to use this aspect of this site, if it is half as effective as tracing some insurance quotes I will be most pleased. The actual use of the site is simplicity itself. Once a quote is recieved you are sent an email outlining the details of the offer and its terms, included is the company details and how to contact them. As well as the email the quote is saved online at www.ask4quote.co.uk you then simply login and click into "quote tracker" where it lists full details of all the responses you have recieved so far. This is a combination of an online comparison site and a brokerage. The service is quick and easy to use and if you do need any help there support team is quick to reply with a personalised rather than an automated response. I like this site and will definitely put it into my favourites for future use.
When it comes to things like insurance, i am very lazy about shopping around. I had settled with CGU and NU Direct to take care of all life's little worries, and dutifully filed away all my reneval notices in the relevant draw and continued paying my DD's until....... Six months ago, I was stupid enough to hit someone in the local leisure centre car park, followed by a not so stupid, but much more dangerous crash on the motorway. In fairness to CGNU (a combination of CGU and Norwich Union), the claims process was straightforward and painless (I was new to this process having had a clean record for nearly all my driving life). I did however naively believe that my 7 years NCD was protected - wrong! My claim came through a couple of weeks ago, and naturally I expected it to be substantially higher than the last one, well, how I got to work that morning still astounds me, my renewal premium was around 55% of the value of the car (£2.5K). Yes - i'll get to the point now I thought this premium was unavoidable, and was crying into my coffee, when a workmate suggested I try his insurance company, Bell Direct (part of admiral). Prices: £900 for a 1 year accelerator bonus premium -this is a 10 month premium which assuming no claims gives you 1 years NCD or £1035 for a full years premium if paid up front (apparently it doubled if paid monthly) www.elephant.co.uk ((the on-line arm of Admiral) - £950 I saw mixed reviews on Dooyoo and Ciao, and decided to search further. Also, on my second visit to the site, it kept returning incorrect car details, which made me a little wary. All the following offered a variety of payment methods, including up-front payment of a debit/credit card or two months up-front and the remainder over 10 months on Direct Debit (8% interest charge added) Eagle Star on-line was around £1300 http://www.eaglestardirect.co.uk/ Direct Line on-
line around £1300 http://www.directline.com/welcome.htm Budget Insurance on-line around £1,000 (came on e-mail as a spin off from another quote) Peoples Choice offered quotes from three insurers ranging between £1,100 and £1400 https://www.peopleschoice.co.uk/pcis/ Tesco Finance on-line - The winner £900 http://www.tesco.com/finance/home.htm (variety of payment methods) Tesco also offers home, travel, and life insurance, not to mention credit cards, ISA's, mortgage finder and loans. If purchasing - they also take a note of your clubcard number - still waiting to see if you get additional club-card points. The outright winner for me was Tesco in terms of both ease, payment methods. I cannot vouch for their customer services department or claims service (and hope I don't have to), but in summary, am quite pleased with what I have seen so far. Hopefully next year I won't have a problem, having started to rebuild my long established NCD (fingers crossed), but know that in future I will be searching around to ensure I get the best deal available.
Well, I have just received from Curry's the cost for 3 years renewal on my washer dryer. I bought it for 329.95 and they are charging £150 for three years. Now I know you all heard different horror stories about extended warranties, but I really need one, because washer dryers are more likely to break down than a washer or a dryer because they have twice the parts, but I'm not going for the high street buy our warranties at silly prices plan. So, I did a bit of shopping and found the cheapest company by far was www.coverplan.co.uk 3 years for 95.00 which is under domestic & general PLC. I did find one or two other companies, but they were charging prices similar to Curries. I even tried under Creda(name of manufacturer of my machine) web page and they were even more expensive. The policy seems pretty much the same warrany they pay repairs, plus accidental if anything goes wrong(with standard exclusion clauses) Another thing I liked about coverplan was that it only took five minutes to do the simple form(btw your product has got be less than a year old to get the warrny) Is there any other companies like that. My insurances details are being sent to me through the post as we speak. Hopefully nothing will go wrong, if it does, I'll re-review this, depending on how they go with repairs. Please tell me of other companies, I've still got 14 days to cancel if there's better deal Be happy Charlie