3 strokes to avoid the extension of the insurance contract trap

In the face of the mixed warranty service market, how should consumers choose to maximize their own interests? Industry experts have given the following three tips:

1. Purchase an extended warranty service to sign a contract. At present, the extended warranty service launched by the store only provides consumers with an extended warranty card, and there is no specific details. In fact, when buying an extended warranty service, it is best to sign a specific contract with the store, detailing the start date and end date of the extended warranty, and also writing the definition of liability for the extended warranty and the extended warranty period. The more detailed the better, in case there is no dispute in the future. The start date of the extended warranty period shall be the day after the expiration of the three packs. In addition, it is necessary to include major components such as LCD screens and plasma screens in the extended warranty, as it accounts for about 60% of the product price.

2. Avoid product damage. At present, the extended warranty clause of the store's appliances stipulates that the extended warranty product must be caused by natural wear and tear, including process and material defects, product damage caused by unstable power, remote control damage, environmental factors (heat, dust, moisture). Such damage, so consumers must try to eliminate the possibility of human damage, do not disassemble the machine by yourself, so as not to cause controversy during the repair. Due to the improper use of home appliances, it often becomes the focus of disputes. Therefore, when signing the contract extension service contract, it is best to clarify that the definition of the damage of the appliance during the repair period should be defined by the statutory inspection department as a third-party appraisal agency instead of the manufacturer. The maintenance staff has the final say.

3. Not all appliances need extended warranty. Although extended warranty can make consumers spend less at critical moments, it is not necessary for all home appliances to have an extended warranty period. For example, products such as small appliances and digital players that are cheaper are not necessary to purchase extended warranty services because they are updated quickly and do not require additional insurance. For flat-panel TVs or those that use high frequency, long life and high maintenance costs, it is best to purchase extended warranty services. At the same time, for those products that are long-term commitments for repairs, there is no need to purchase extended warranty services. At present, due to the needs of market competition, many companies are competing to extend their after-sales repair time, if the extended service life and home appliance repair period overlap. It is superfluous. In addition, when choosing extended warranty services, consumers should prefer well-known brands with high quality and high credibility. (Zhao Xiong)

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