Do you assume insurance policies are a spend in dribs and drabs of money?

i dont mean the ones we adjectives have to own like motor and house insurance. I expect, small insurances for electical goods etc

House insurance?



Answers:   Insurance is adjectives about risk. Most ethnic group will not bother to take warranty insurance on small electrical items as they are prepared to cart the risk themselves. There are some people that see these products as worthwhile and insurance companies are simply get-together these needs. What I find distasteful is the instrument some retailers pressure sell insurance warranty.

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Yes I think they are a surplus of money


Most of them charge a one time fee for the permanent status of the contract, but the policy has so heaps exclusions and so many requirements (like save receipt - register in so many days) that if you tried to form a claim for the contract, you would'nt have the things they required.

It probably would cost you more contained by time meeting the requirements, and jump through their hoops, then they wouldn't earnings for the item in the appendage.

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If you are chosing small insurance for electrical goods over insurances resembling life and vigour insurance, then yes, insurances on electrical commodities is a waste of money.

I find it interesting that race will insure a $200 ipod, but won't insure themselves that is worth 10's of thousands of dollars more.

My inference is that if they have to submission an extended warranty on the product they are expecting it to break down, which means it's a peice of cast-offs and not worth buying...

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Well it depends. I bought a new dishwasher later year and my four year old threw one of her little toys contained by the washer and for weeks I kept hearing this annoying jingle. They came out and found a toy element in the pipe for NO charge. I own insurance on the dishwasher until 2011. Once a year they come out and do a maintenance check on my dishwasher.
I believe it's just better to buy warranty because you never know. These days they DON'T formulate things as good as they use too. My farther-in-law have had his wash machine for 24 yrs and he merely had to replace it this year. Mine is not even 8 years old-fashioned before I have to buy another washer and dyer. My refrigerator is acting up and it's not even 10 years old. I didn't grasp a warranty on it. I wish I have but most warranties are solely for 5 years when you buy the product. You have to do what your gut tell you to do! House insurance would have be great when we were burgled. We didn't hold a valid policy so lost thousands.

iPod insurance is a must, they always stop working a couple of weeks after the warranty runs out. Phone insurance is correct too. I don't generally bother next to anything else though.

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My rule of thumb concerning service agreements sold with Sear Appliances is if I buy it I will never use it. If I don't I will preference I had. My wife spent $500 on two one year warranty on out two Air conditioner units closing summer in TX. Two weeks after that they spent three days at my house fixing the AC at no cost to me. I hate to concede she was right but she be right. You mean retail insurance. Its a fitting idea to purchase retail insurance when buying laptops, or expensive devices that can be stolen confidently. For appliances like a microwave, no, its not a perfect idea to purchase.

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depends from who you take your insurance ,if its from the likes of dixons or curries ,they charge a big premium ,you can obtain better quotes on the internet which bring the cost down Yes i do ,An expense that is surplus in broad.

Can i substitute expenses burning insurance policy?


Yes, a complete wast of money. Yes I do

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