Go Back   The 75 and ZT Owners Club Forums > Social Forums > Social Forum
Register FAQ Image Gallery Members List Calendar Mark Forums Read
Notices

Reply
 
Thread Tools Display Modes
Old 24th May 2021, 14:57   #1
FLYING BANANA
Moderator/Club Shop
 
FLYING BANANA's Avatar
 
MG ZT 1.8t+. No.3 of 4 in Sunspot Yellow & Ford Fiesta in Black.

Join Date: Aug 2010
Location: Rattler Farm
Posts: 22,477
Thanks: 9,270
Thanked 15,645 Times in 6,806 Posts
Cool Change of service contract.

When I moved into my new home I took out a service contract with Homeserve for my boiler and central heating, plumbing and electrics as each policy was only £10 a month but with excess if called out. The excess on the plumbing and electrics was £60 and on the boiler and central heating was £100.

So this year in comes the renewal. The boiler and central heating quote had gone up to £29.85 a month or £358.20 for the year.
The plumbing went up to 12.50 a month or £120.50 for the year and the electrical one went down to £9 a month or £84 for the year.
Plus they still wanted to charge me the excess if on a call out. Even if they didn’t do any work you still had to pay.

British Gas quoted me £204 for the same cover, reduced to £174 if paying yearly by direct debit. The excess charge is £60 on a call out but if they do not do any work on the problem or need to replace any parts then the excess is waived.

I phoned Homeserve and said that I was cancelling my policy with them. The very nice lady on the phone asked me why. I said that Homeserve were far to expensive and quoted that for the year they wanted £562.70 from me whereas British Gas only wanted £174. And without any quibble the policy will be cancelled when the contract runs out.
__________________


232750. Be patient Banana, we will soon be back together and enjoying the shows again.

onen hag oll
FLYING BANANA is online now   Reply With Quote
Old 24th May 2021, 16:45   #2
wraymond
I will find or make a way
 
wraymond's Avatar
 
75 Auto 2.5 SE

Join Date: Feb 2010
Location: Westcliff on Sea
Posts: 5,168
Thanks: 423
Thanked 1,680 Times in 1,014 Posts
Default

A better idea. Put £250 a year in a savings a/c (even at 1% interest). The average history is one claim per 10 years. If you are a bit sharp you can get £100 when you open a new account. Just ask.

Then cultivate a knowledge of local traders, or even just one -they all know each other. I knew several when I lived in Saltash, even did their pensions!
__________________
member no. 235
wraymond is offline   Reply With Quote
Old 24th May 2021, 17:08   #3
macafee2
This is my second home
 
Rover 75 Saloon & Tourer

Join Date: Sep 2012
Location: Lincoln
Posts: 14,891
Thanks: 1,630
Thanked 3,032 Times in 2,181 Posts
Default

Quote:
Originally Posted by wraymond View Post
A better idea. Put £250 a year in a savings a/c (even at 1% interest). The average history is one claim per 10 years. If you are a bit sharp you can get £100 when you open a new account. Just ask.

Then cultivate a knowledge of local traders, or even just one -they all know each other. I knew several when I lived in Saltash, even did their pensions!
totally agree, however, for some it is piece of mind

macafee2
macafee2 is offline   Reply With Quote
Old 25th May 2021, 05:31   #4
Darcydog
This is my second home
 
Join Date: Jul 2014
Posts: 5,428
Thanks: 3,123
Thanked 3,170 Times in 2,096 Posts
Default

I would be wary of Homeserve based on our experience of them Robert.

They sold multiple “overlapping” policies to my old Mother in Law and then refused to pay out when her boiler packed up saying it was not covered as it was over 10 years old. This despite the exact model and age being listed on several of the missold policies.

We won our complaint and the FOS gave them a huge blast. MiL received all her wrongly collected premiums plus 8% interest.

It was another case where using a Subject Access Request cut through the nonsense these dodgy companies get up to.
Darcydog is offline   Reply With Quote
Old 25th May 2021, 10:00   #5
Avulon
This is my second home
 
1.8t Tourer

Join Date: Oct 2011
Location: Tanelorn
Posts: 4,830
Thanks: 956
Thanked 1,148 Times in 916 Posts
Default

I've had success with Domestic & General. No problem getting someone out within 48 hrs. Have boiler covered and washing machine. Their annual fee is less than a call out. No excess, when called out, they either repair or iof they can't will replace with new. (haven't needed to test the replacement clause yet). Until we actually needed repairs we never bothered. On breakdown phoned them up, take out a years policy and they came and fixed it. Covered for the following 12 month as well. Can't really fault it. Both the boiler and washing machine are far from new so have kept the cover up for a following year. Yes we could save for replacement or against getting a local trader in to repair when things go wrong (just what our previous plan of action was). But it's often difficult getting a local trader at that short notice, and they aren't always up to snuff when you can, and they don't have the backup of the replacement guarantee. When you do get someone via D&G they'll be reasonably local anyway and with full backup. Both times we've had them out they've been very competent. In short you get access to the best local tradesmen without a long wait and with no added costs and a backup guarantee of replacement thrown in.
__________________
Need a T4 ?: T4 Owners Map thanks to Stevestrat ( use at your own risk)

Where?:
https://en.wikipedia.org/wiki/Tanelorn
Mods/Retrofits:

PCV vortex 'filter'; bluetooth; inline thermostat; reversing sensors; plenum spyhole ; headlamp washers ; Diy mp3 player replacing CD multichanger; FBH with remote; Headlamp washers; black/chrome front grille, rear blind; Xenon projectors
To do:
puddle lights; 2 Din cd/nav to fit; boot release button
Avulon is offline   Reply With Quote
Old 25th May 2021, 11:58   #6
RPWC
This is my second home
 
RPWC's Avatar
 
75 model car

Join Date: Apr 2011
Location: Newcastle upon Tyne
Posts: 20,169
Thanks: 4,008
Thanked 5,083 Times in 3,114 Posts
Default

Quote:
Originally Posted by Avulon View Post
I've had success with Domestic & General. No problem getting someone out within 48 hrs. Have boiler covered and washing machine. Their annual fee is less than a call out. No excess, when called out, they either repair or iof they can't will replace with new. (haven't needed to test the replacement clause yet). Until we actually needed repairs we never bothered. On breakdown phoned them up, take out a years policy and they came and fixed it. Covered for the following 12 month as well. Can't really fault it. Both the boiler and washing machine are far from new so have kept the cover up for a following year. Yes we could save for replacement or against getting a local trader in to repair when things go wrong (just what our previous plan of action was). But it's often difficult getting a local trader at that short notice, and they aren't always up to snuff when you can, and they don't have the backup of the replacement guarantee. When you do get someone via D&G they'll be reasonably local anyway and with full backup. Both times we've had them out they've been very competent. In short you get access to the best local tradesmen without a long wait and with no added costs and a backup guarantee of replacement thrown in.
We hzve boiler cover with them 22 a month covers parts labour and vat, no xs to pay. If boiler is unrepairarable we get 750 off a new one.
__________________
Cheers. Rich…
RPWC is offline   Reply With Quote
Old 25th May 2021, 12:23   #7
mbev51
Banned
 
Removed

Join Date: Dec 2013
Location: Removed
Posts: 1,343
Thanks: 171
Thanked 315 Times in 223 Posts
Default

I self insure, fixing most things myself.
mbev51 is offline   Reply With Quote
Old 25th May 2021, 15:45   #8
Darcydog
This is my second home
 
Join Date: Jul 2014
Posts: 5,428
Thanks: 3,123
Thanked 3,170 Times in 2,096 Posts
Default

Quote:
Originally Posted by mbev51 View Post
I self insure, fixing most things myself.
But it is more difficult when manufacturers make white goods to be throw away - usually by built in obsolescence and limited spare part availability. Consumers across the USA and the EU have complained about this for years.

And fair play to the EU and the US - moves are being made to ensure future goods are going to be repairable for at least 10 years via the “right to repair” rules

The common complaint across the world is that owners are unable to fix machines themselves or find a repair guy to do it at a decent price. “Cheaper to by a new one” is not good for the planet or the consumer.

In the USA - around 20 States are setting down “Right to Repair” legislation.
Darcydog is offline   Reply With Quote
Old 26th May 2021, 12:12   #9
stevestrat
This is my second home
 
ZT260 #243 (resting)

Join Date: May 2010
Location: Prestonpans
Posts: 22,424
Thanks: 650
Thanked 4,624 Times in 3,358 Posts
Default

We got an all singing all dancing Dyson washing machine a few years ago, at my other half's insistence! We got a letter asking a ridiculous amount for extending the soon to be expired warranty, not paying that much! A couple of weeks after the warranty expired we came home to find a fault code and a telephone number flashing on the display. Call me cynical but a fault just after the warranty expired Cleared the fault after an internet search.
__________________
Steve


T4 Location Map
stevestrat is offline   Reply With Quote
Old 26th May 2021, 14:59   #10
KWIL
Precise
 
Rover 75 Tourer 2.5KV6 Connoisseur SE

Join Date: Mar 2013
Location: Fleet
Posts: 2,937
Thanks: 630
Thanked 617 Times in 480 Posts
Default

D&G stand behind Whirlpool guarantee. 1+2 year cover initially and 10 years (ie 3+7) if you take the reasonable contract for all parts and call out.
KWIL is online now   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT. The time now is 09:25.


Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2024, vBulletin Solutions Inc.
Copyright © 2006-2023, The Rover 75 & MG ZT Owners Club Ltd