Clipping of news on Brazilian Culture, Law and Citizenship
08/15/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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It is common at the time of purchase of household appliances or electronics, the seller suggest extending the product warranty. Known as Extended Warranty, such an offer is a form of insurance, that is, contains clauses of exclusion and coverage, which should be properly informed of the contract.
Your marketing can not be linked to discounts or built into the purchase price. Check out five tips on the topic:
1. Marketing
When buying a product, if there is extended warranty offer, the consumer must be informed of the conditions of this contract. The premium can not be built into the price and the acquisition of new guarantee can not be linked to the granting of discounts. Such practices are considered unfair and may render punishment to the establishment and insurance.
If you choose to hire, the consumer must receive proof of each of the transactions.
2. Conditions of coverage and types of insurance
Before signing the contract, read which cover conditions when it takes effect and analyze the cases of warranty exclusion. It is also important to know what type of insurance being offered:
- Extension of the original warranty - covers the same risks of the manufacturer's warranty;
- Extension of the original extended warranty - covers more types of risk and extends the guarantee given by the manufacturer;
- Reduced extended warranty extension - can contemplate limited coverage compared to those offered by the supplier's warranty. It applies only to extended warranty insurance facing motor vehicles and goods that have only legal guarantee (90 days).
The term, regardless of the type chosen, begins after the end of the guarantee given by the manufacturer.
3. Repair Time
In case you need to make use of the extended warranty, the product of the problem should be solved within 30 days.
The start of the hedging will be at once the manufacturer's warranty ends.
4. Prize Value (as the consumer will pay for the extended warranty)
Analyze the value to be paid for the guarantee, calculate and compare the total with the purchased product. If possible, even search for how much would be spent with a simple repair. Search before hiring the service can help consumers decide whether the extended warranty is even necessary.
5. Cancellation
The National Council of Private Insurance (CNSP) set in November 2013, the rules for the marketing of extended warranty. Now the consumer has a term of seven days to regret the initial contract and is entitled to the immediate return of the premium for the same kind of payment was made. After the period of repentance, consumers should be informed about the conditions and procedures for cancellation of the contract.
Source: Procon-SP
To access the Procon-SP site, click here.
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This article was translated by an automatic translation system, and was therefore not reviewed by people.