When you buy an expensive item (smartphone, laptop, television), you expect to benefit from a certain warranty.It is generally called an "express guarantee" because it is supposed to be clearly expressed.It is sometimes called "guaranteed" because it is supposed to ensure that the product works.It is not even necessary that it be written - a television hunter who says "it will last 20 years" is a legal guarantee.

Whatever name they are given, these guarantees are generally limited in time and in their scope.This is why it is frequent that the reseller of the article (sometimes the manufacturer) tries to make you look additional coverage.This coverage is called a warranty extension or sometimes a "protection plan" or a "service plan/contract".These last terms are more precise, because no one can really extend a warranty, except the original manufacturer.

Obtaining a protective/service plan means that you pay more at the start, depending on the article and the coverage.In theory, you do it to make sure you have even more time with the product if it breaks during this predefined period, whether a year or more years.

Most protective plans do not ruin you.On a TVSL 43S435 VSLASS 4-SERIES 4K UHD SMART ROKU TV purchased via Amazon, a 4-year protection plan via Asurion is $ 45.99.

A offer from the Amazon protection plan

Best Buy sells the same set with a 2 -year "Geek Squad Protection" protective plan for $ 39.99.It is therefore interesting to compare prices, even for extensive guarantees.

There is a whole ecosystem of third -party companies that provide prolonged guarantees, in particular for electronic and household appliances, with names like Asurion, ensuring and squarerade (belonging to Allstate).You may be covered by one of them without knowing it, because they are used by many retailers.Amazon works with several of them.

These companies do not offer an extension of guarantee by altruism.They do it because service plans make crazy amounts of money.The market for such plans (including for cars) represented $ 120.79 billion in 2019, and during the VSOVID summer (in 2020), it should reach 169.82 billion dollars by 2027, according toAllied Market Research.

Which probably answers the most important question ....

Does a warranty extension take the trouble to be paid?

For the vast majority of people, the answer is a good big no.Same consumer reports says it is "money thrown through windows".

Here is the big secret: repairing most items does not generally cost so expensive.The cost of a single repair is generally lower than the cost of a warranty extension.VSonsumer reports established the median cost at $ 136 for an electronic devices maintenance plan, but only $ 16 more for repair.The difference is negligible.Just save money.

The express (limited) warranty of a manufacturer is generally good enough for that, if something breaks down in a short time, it is better than repairing the item - it can completely replace it.It is always worth contacting the manufacturer.Go up the whole chain of command to the big patterns when you ask for help or compensation.

According to federal law, if you buy something more than $ 15 in new state from a retailer, it must show you any express written guarantee.Do it before paying for a warranty extension;You may find out in small characters that you don't need to spend more.

The stories of prolonged guarantees that report are certainly numerous, but it is much more likely that you find the opinion of an expert (we have read several) which asserts squarely: saving a little money for a prolonged guarantee is agood thing.possible repair is a much more judicious investment than the effective purchase of the prolonged warranty when it is pressed.At least, carefully read the other small characters of any prolonged warranty, because there will be many limitations to the coverage.

Often, prolonged warranty repairs take an eternity or require several trials to be correct - you see this much less if you pay simply for a direct repair.You may be asked to return your broken product for those who know how long before it is "repaired".The chances that the warranty allows a local establishment of your choice to make the repair are very low, and you cannot even recover the device if the repair takes too much time.It is almost always preferable to deal with the manufacturer for repairs - it has a reputation to defend.

De meilleures façons de garantir : VSartes et lois

Your credit card can offer all the warranty extension you need.As long as a product-even a new product replaced by large credit cards offer a warranty extension.The problem is that you need to use this card to buy the product, of course.

Even a free card can offer it.You will find this advantage on the American Express, VSapital One, VSiti, VShase and many others, but it is not guaranteed (discover cards no longer offer it).It is the responsibility of checking the service conditions or calling the card supplier to ask him;The number is on the back of the card.

Keep a copy of the receipt and the original warranty when purchasing - you may need it to make a complaint on the prolonged guarantee of the credit card if this happens.

Local legislation - depending on your condition - can also offer protection in the form of an "implicit guarantee" or a "legal guarantee", which means that if you buy something, it is supposed to work, withoutdefect, for a certain period.This duration may vary, but it is generally four years.We often see this for cars, especially.

Do not buy "in the state" products or you may not have much appeal to continue a manufacturer via the laws on the implicit guarantees of your state.("As it is" does not work in 11 states more.VS.) VSonnaissez également toujours la politique de retour du détaillant : n’achetez pas l’appareil si le revendeur indique que vous ne pouvez pas le retourner dans un délai raisonnable s’il est cassé.

Your best insurance: buy a product in which you trust and from a manufacturer in which you trust.You should start by reading a lot of criticism.

Do I have to subscribe to a warranty extension for a phone?

VSela dépend d’un facteur important : À quelle fréquence allez-vous casser votre téléphone ? En 2018, 66 % des propriétaires ont endommagé leur téléphone au cours de la première année, mais… cette recherche a été publiée par SquareTrade, l’une des principales sociétés d’extension de garantie.New research suggests that two smartphone screens are cracking every second in the United States.

Si vous cassez personnellement un smartphone chaque année – vraiment le casser, et pas seulement l’écran – alors un plan de service comme AppleVSare et Samsung VSaredirectement auprès du fabricant, en vaut probablement la peine. AppleVSare offre une assistance téléphonique illimitée pendant 90 jours, ce qui peut s’avérer utile pour les nouveaux utilisateurs d’iPhone.You can also find insurance plans with replacement options with your mobile operator, many of which are also managed by third -party companies like Asurion.However, monthly bonuses are generally not profitable if you also pay a franchise.

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If you are the type to scratch or crack a screen once or twice, don't worry. VSe sont facilement réparés pour un coût relativement faible (du moins en comparaison avec le paiement d’une extension de garantie).In some cases, you can also use your owner's insurance or your tenant.More information on this subject below.

Do I have to subscribe to a warranty extension for a television?

The repair rate of a modern flat -screen TV TV?About 7%.Drop the warranty extension.Make sure you have bought this large screen with a credit card offering additional warranty protection. (VSe conseil vaut pour tout achat de produits électroniques, point final).average repair of a television costs only $ 207, which allows you to save.

Do I have to subscribe to a warranty extension for a laptop or desktop?

One of the reasons why retailers encourage prolonged guarantees is that if a sufficient number of them are sold, they can lower the retail prices of the products themselves-and sell even more.But part of this economy has repercussions on you ... provided that you do not then buy the prolonged warranty and that the cycle starts again.

Rapports des consommateurs estime le taux de réparation des PVS à environ 24 %. VS’est assez élevé, mais il faut tenir compte du fait que les PVS ne sont pas très chers de nos jours.Laptop cheaper than a high -end smartphone.They are not going to break in most cases, unless you put them in a risky position.Most laptops have a lifespan of five years at best.

Thus, a maintenance plan can be worth it for a laptop if you transport it by plane, train or car, if you climb a mountain or if you go to a lan party of players where drinks are likely tobe overturned.Again, think carefully about your personal use.Read the small characters: an extended guarantee may only cover certain things and no others, such as "accidental damage", which means that a reversed milkshake on a laptop is covered by the warranty.Laptop games put an end to this relationship.

Do not annoy yourself to buy a service plan for an ... office or a game console.

The insurance of your landlord or your tenant can cover your laptop and other electronic devices in many cases, such as vandalism, fire or theft, even if someone flies when you do notare not at home.You can then replace it with insurance funds (minus the franchise).No warranty extension will cover this kind of thing.List your laptop, smartphone and other devices to your insurer to be sure.It will not cover a cracked screen or battery failure, it is preferable that this repair is paid for your pocket, as indicated above.

Learn more about Ensure electronics (and everything else) in Lemonadelemonade, one of the many new online insurance providers based on "Peer-to-Peer" applications.It shows that the list of risks covered by home or rental insurance may include the usual (fire, theft, smoke) or unusual (riots, volcanic riots) risks).

Should I obtain an extended warranty for household appliances?

No - Most manufacturers' guarantees on expensive items are much longer than those of consumer electronic devices.For example, for a decade.

Should I take an extended warranty for a car?

Nope.Especially if it is an offer that arrives by mail or by Robocall for weeks or months after purchase.Most of them are scams.Even with the dealership, they especially try to bring you home for maintenance, while you can probably find a cheaper and confidence mechanic elsewhere.