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Warranties

It is sometimes hard to leave a shop without being pressured into taking out an extended warranty to cover any future problems with the product you have just bought. Beware however that you are not paying for legal rights that you already have. The warranty may say that, for a certain amount of time, repairs will be carried out free of charge but, if an item outside of its guarantee develops a problem that wouldn't normally be expected at that stage in the product's life, the seller would be responsible for sorting out the problem anyway.

What if the warranty seemed a good idea but now in the cold light of day you are less sure? When you buy an extended warranty on electrical goods you have 45 days to change your mind. As long as you haven't made a claim on the warranty, you will be entitled to a full refund and, even if you have, or it is beyond 45 days, you can claim a pro-rata refund. The 45 day cancellation period only relates to electrical goods so if you are considering an extended warranty on any other item check what, if any, cancellation periods apply.

Always check what the warranty you are being offered covers and be cautious about claims that "everything is covered" as the warranty will usually have terms and conditions which exclude liability for problems resulting from wear and tear or neglect. If the salesperson is insistent, get written confirmation that any problem is covered before agreeing to go ahead.