Clipping of news on Brazilian Culture, Law and Citizenship
10/31/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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It is estimated that in Brazil more than 33 million people have at least some equipment with an Extended Warranty Insurance policy, an increase of 3.6% in 2016 according to the National Confederation of General Insurance Companies, Private Pension and Life, Health Supplementary and Capitalization (CNsec). Although it brings some benefits to the consumer, it is not obliged to take the service in the purchase of the equipment guarantees the Union of Insurance Brokers of the State of Sergipe (Sincor-SE). In Brazil, the supervision of this type of insurance is done by the Superintendence of Private Insurance (SUSEP), a local authority of the Federal Indirect Federal Public Administration, where complaints and denunciations can also be made by. "The customer is not required to leave the store with this type of insurance. If you buy the policy and regret it, you have seven days to give up and have the value of the insurance refunded in full. " Explains the president of Sincor-SE, Érico Melo. The IT Technologist, Andrei Fonseca, is one he does not like when sellers try to make the purchase married. "When they offer, but do not insist when we decline, I see no problem. Now, from the moment they want to push the guarantee at all costs, especially on products that are not worth the investment, it upsets, "he notes. For him, you have to be very careful when buying insurance. "I've had extended warranty on a washing machine and it was worth it, but I do not have it anymore. Before deciding on the hiring I observe the cost-benefit, "explains Andrei.
Micro entrepreneur Roberto Lima Filho is also one of these. Less than a month ago closed a business with a store in the center of Aracaju and spent $ 1,400 for an 11kg washing machine, plus $ 200 of extended warranty. "At first they think it's an expense to spend on the guarantee, but we only know how cool it is by the time we need the service and we do not pay for anything else," he said. Purchasing was the result of an unsuccessful experience. It was only the factory warranty to win for the 10kg machine to break for the second time. "We called a technician to repair the equipment, which presented us with a budget in the amount of R$ 250 reais. It was more than the provision of a new one. We thought it was very expensive and we gave up, because when we bought the machine a little more than a year it cost R$ 1,100. "When the housewife Marinalva Morais acquired the refrigerator about three years ago, she also contracted the service for another year. A little more than a year later, she had to use the guarantee, because the refrigerator of almost R$ 4,000 stopped freezing. "The authorized woman tried to repair it three times, but as she continued the problem, The girl from the extended warranty told me on the phone that she could insist on repairs or opt for a credit of the same value as the purchase of the refrigerator.I had the second option and at the same moment I went to the store, I passed the protocol number made in the company And I left there with a brand new refrigerator, without paying any more, "said the housewife.
According to the president of the Syndicate of Insurance Brokers of the State of Sergipe (Sincor-SE), Érico Melo, the amounts currently charged in the guarantee are According to the price of the product. "The cost of the extended warranty varies greatly from insurer to insurer, according to the point of sale, as well as the insurance term. For the consumer it is important to be aware of the conditions that are available in the act of contracting the insurance, "he noted. In addition to securing the product at the time of purchase, another option is to seek a brokerage firm and request protection for the good. "There is the possibility of hiring the extended warranty insurance through the insurance broker, even if at different time the acquisition of the good. In some cases the acceptance may be conditional to conduct an inspection, "he warns. Beware of the Pocket The G1 report sought financial analyst Rubens Dias to find out how important it is to buy an Extended Warranty policy. "In the past, our parents bought a refrigerator that lasted 20, 30 years.
Today they are made with plastic parts and naturally lead to a reduction in the life time. Depending on the proposal that the shopkeeper can make an advantage, but we need to think straight and not leave making the extended guarantee of everything that people buy, "he warns. He also reminds us that we need a lot of attention for the amounts that will be paid, since the cheap can add more to the family budget. "Let's assume that the equipment costs R$ 1,000 and the guarantee is a portion of R$ 30 a month. If the equipment you split in 10 months, will stay for R$ 300, or 30% of the equipment. So the client must take care to see if it is worth it or not, "he warned. Another tip is to not fall into the conversation of the seller and always be wary of the proposals and benefits presented. "Also look for reliable brands, which usually offer a longer warranty, which will not always be necessary to purchase a policy. Now, if the brand is unknown it is something to think about and opt for the guarantee ", guides Dias.
Source: Floripa Newspaper
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This article was translated by an automatic translation system, and was therefore not reviewed by people.