01/24/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
SAO PAULO - The consumer must exercise caution when hiring an extended warranty, the second alert Procon-SP Foundation.
According to the entity, the greater concern is partly because of the extended warranty is a type of insurance, which implies the exclusion clauses of coverage.
"Before hiring, be sure to inquire about exclusions, ask for and read the" General Conditions of Insurance, "to avoid any surprises, because many times what the seller offers can be different from what actually appears in the contract. In general, the disadvantages and risks are not informed, "says the Procon-SP.
The Foundation also adds, "the consumer is entitled to clear, correct, accurate and in English on all contractual conditions (Article 30 of the CDC - the Consumer Protection Code), so it is their right to have access to the contract and other conditions of the policy before hiring. "
Types of guarantee
Also according to the Procon-SP, the extended warranty can have the purpose of increasing the time of the warranty period the manufacturer or cover damage to the manufacturer's warranty does not cover, and in the latter case, called a topping.
In the first case, the organization says, she begins to assert after the expiry of the contractual guarantee of the product (provided for in Article 50 of CDC) and has the same warranty coverage provided by the supplier. Thus, to determine what rights the person will have to hire this warranty, you must read the manufacturer's warranty.
In the second case, the customer must verify that the contract provides additional security and compare it with the contractual warranty, it is interesting to know whether or not to purchase the service.
Important Information
The Procon-SP also recalls that, by hiring other warranty beyond the legally provided when you buy a product, it is important to consider the value to be paid per month by the warranty, considering the total amount to be paid and comparing the value of the product and, if possible, with the value of a simple repair.
With regard to the value to be received by those who purchase, according to Susep (Superintendency of Private Insurance), the insurance contract warranty may include the following methods of payment of compensation to the ultimate consumer money, and repair and replacement of good.
Finally, the Procon-SP Foundation reminds us that those retailers that sell the extended warranty also have a responsibility, when the insurer's refusal to give customer service, and, if the product is defective workmanship that leads to be exchanged by the service within the warranty period of contract, the amount paid by the extended warranty must be returned in full.
Source: InfoMoney
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This article was translated by an automatic translation system, and was therefore not reviewed by people.