Extended Service Plan
Congratulations on Your new lifestyle purchase. We are pleased that You have elected to protect your purchase with Our Extended Service Plan.
Important Note: Except in the case of Custom Packages a separate Extended Service Plan must be purchased for every Appliance. If You have purchased more than one Appliance, the Extended Service Plan applies only to the Appliance described immediately above the Extended Service Plan entry on the Retailer's Tax Invoice.
Please ensure that you retain the Retailer's Tax Invoice that records the Appliance purchased and the Extended Service Plan on the Appliance, together with the booklet as these will be required in the event of a claim.
WHAT IS COVERED BY YOUR EXTENDED SERVICE PLAN
The Extended Service Plan applies to electrical or battery operated Appliances that are purchased for domestic use. Subject to the terms, conditions and exclusions of the Policy; We agree that if during the Period of Extended Warranty the insured Appliance/s suffers an unexpected electrical or mechanical failure, We may elect at Our option to repair or replace the Appliance/s. The Extended Service Plan includes Cover for food spoilage. We will pay, subject to the terms and conditions of Cover, up to $250 per claim where the spoilage was caused by or attributable to a fault that is the subject of a valid claim. Regardless of the number of claims, the total amount payable is limited to the original purchase price of the insured Appliance. We will pay subject to the terms and conditions of the Extended Service Plan the cost for the Appliance/s to be repaired to normal working order or the replacement cost for an equivalent Appliance up to the original purchase price. For Appliances over 2 years old as at the date of loss any claim will be settled on an indemnity basis which covers the value of the Appliance at the time of loss or damage taking into consideration the age, condition and state of repair of the Appliance.
DURATION OF THE EXTENDED SERVICE PLAN
Your Extended Service Plan commences on expiration of the manufacturer's warranty & ceases:
- five (5) years from the original date of purchase of the Appliance; or
- three (3) years for digital cameras and laptops from the original date of purchase; or
- for Used Whiteware Cover is provided for one (1) year from the date of purchase, with the Retailer providing the initial three (3) months Cover and Your Extended Service Plan providing the balance of Cover being nine (9) months.
Your Extended Service Plan providing the balance of Cover being nine (9) months.
CONDITIONS OF THE CONTRACT
- Coverage is limited to New Zealand.
- Cover is not provided for products with less than three (3) months Manufacturer Warranty.
- Cover is not provided for used whiteware with less than three (3) months Retailer Guarantee
- If the Appliance/s covered are sold, the balance of Your Extended Service Plan can be transferred upon notification to the Warranty Service Centre on 0800 443 670
- All Cover under this plan ceases when the maximum claim limit is reached, this being the original purchase price of the insured Appliance.
- Remote controls may be replaced with a universal remote in the event that a remote of the same brand and model as the original cannot be sourced. In this event, the universal remote will constitute full settlement of the claim.
- The customer will be required to pay the service call out fee if the service call is a result of user fault or if the location is more than 50 kms from the nearest Authorised Service Centre.
- All costs associated with repairs and service call out, must have prior approval by the underwriter for any costs to be covered by this Policy.
CANCELLATION
Premium is only refundable during the Manufacturer's Warranty period and only if there have been no claims on the Policy. A cancellation fee will be deducted from any refund of premium. In the event Your Insured Appliance/s are declared a Total Loss and a claim is paid out, Your warranty ceases immediately, and no refund of any premium will be payable.
REPLACEMENT TERMS
We may replace Your Appliance with an equivalent product when Your Appliance is not economically repairable or repair costs will exceed the Original Purchase Price of Your Appliance. Technological advances may result in a replacement product with a lower selling price than the original product. The replacement cost shall not exceed the original purchase price You paid for Your Appliance.
When a replacement product is not available We may choose to settle any claim on an indemnity taking into consideration the age, condition, and state of repair of the Appliance.
Replacement of Your Appliance shall constitute fulfilment of this Extended Service Plan and any remaining period of Cover does not transfer onto Your new item.
DEFINITIONS
Appliance: means the Appliance purchased as stated on Your Retailers Tax Invoice.
Cover: means the protection provided by the Extended Service Plan You have selected as stated on Your Retailers Tax Invoice.
Manufacturer's Warranty: means the original Appliance warranty coverage provided by the manufacturer from the date of purchase of the Appliance.
Policy: means the document issued to You containing the terms and conditions of Cover.
Retailer Tax Invoice: means the original purchase invoice for the Appliance covered by this Plan.
Total Loss: Appliance will be deemed a Total Loss when We consider it uneconomical to repair the Appliance or when repair costs are in excess of the original purchase cost.
We, Us, Our: means Virginia Surety Company, Inc
You, Your: means the person nominated as the purchaser on the Retailers Tax Invoice.
AVAILABILITY OF SERVICE
Whilst We at all times try to ensure that service is completed as quickly as possible, We are not responsible for delays caused by Factors beyond Our control, including but not limited to manufacturer's delays in providing parts to the repairer, general manufacturer availability of parts, the repairers existing work schedule and the like.
SUBROGATION
When We pay a claim under the Extended Service Plan We have the right to takeover and enforce any right to recover the loss from another party. We may do this in Your name and You have an obligation to assist as required.
WHAT TO DO IF YOUR PRODUCT FAILS
Review the manufacturer's procedures, as this will often pinpoint what is wrong and advise You how to remedy the failure. If this fails to identify the problem or the Appliance needs repair, contact us on 0800 443 670 and We will direct You to an appropriate service centre or arrange for a service call.
Please ensure You have Your purchase invoice available when calling.
Please note that costs associated with repair, removal or installation of the appliance will not be paid unless first authorised by Us.
WHAT IS NOT COVERED
The Extended Service Plan does not provide cover for:
- Appliances being used for business or commercial purposes;
- Any software or virus related faults;
- Seals of any type;
- Failure caused by inherent defects such as date non-compliance or design defects;
- VCR heads, or Laser assemblies after 3 years from the date of purchase;
- Consumable products such as cables, cords, cartridges, tapes, software items, batteries, fuses, bulbs, styli, ribbons, filters, toner and the like;
- Used white ware over 10 years of age;
- Automatic timing mechanisms for used white ware products;
- Non-operating or cosmetic damage;
- Damage caused prior to or during delivery;
- Failure as a result of improper or unauthorised modification or repair;
- Failure to follow the manufacturer's installation or operating instructions or where the repairs being claimed for are not claimable under the manufacturer's original warranty or are subject to manufacturer recall;
- Normal maintenance, cleaning, lubrication, alignment, tuning, reprogramming and/or adjustment to the Appliance;
- Alignment, tuning and/or reprogramming of Appliance;
- Normal wear and tear or gradual deterioration of the Appliance;
- Failure caused by accidental or deliberate damage, neglect, abuse, wilful act, misuse, theft, sand, water or liquid damage, rust, corrosion or battery leakage, mildew and mould;
- Failure resulting from external sources including but not limited to, infestation of vermin, pests or insects, acts of God, interference, blocked plumbing;
- Failure resulting from internal or external blocked pipes, hoses and/or filters;
- Failure caused by external wiring and connections, or non-compatibility of accessory Appliance;
- A burned phosphor in a computer monitor due to no screen saver being used;
- Failure of speakers as a result of overloading;
- Any cost incurred where no claimable failure is identified;
- Loss of use or consequential loss resulting from any failure or any cost associated with accessing or reinstalling built in products or Appliance;
- Loss of software, data, floppy disks or CD-Rom disks as a result of viruses, malfunction or damage of an operating part;
- Satellite systems;
- Total loss of the product due to non-availability of parts;
- Mobile phones and personal organisers, including PDA's, IPOD's, hand controls, GPS devices of any type or any hand held device;
- Service call out costs as a result of user fault or where no claim is accepted;
- Service call out costs for locations over 50 kms from nearest Authorised Service Centre;
- Any cost associated with repair, removal, replacement or installation of the Goods will not be paid unless first authorised by us;
- Freight/postage costs;
- Delivery costs;
- Any accessories purchased in addition to the Appliance, for example but not limited to memory cards, cases, bags, battery chargers and the like;
- Costs incurred where no mechanical or electrical failure can be identified.
PRIVACY ACT
Pursuant to the Privacy Act 1993 please note the following information:
This contract collects information about You that is used for insurance purposes. The information collected is held by the Underwriter, Virginia Surety Company, Inc. You have rights of access to and correction of this information, subject to the provisions of the Privacy Act 1993.
DISPUTE RESOLUTION
Should You have a concern relating to any area of Our business You may choose to refer Your concern to the manager or supervisor directly responsible for that area. If Your complaint is not resolved to your satisfaction You may refer Your concern to Our Internal Disputes Panel. If You are not satisfied with the outcome of Our process We will assist You in directing Your issue for further review to an independent external dispute resolution scheme.
UNDERWRITERS:
This policy is underwritten by: Virginia Surety Company, Inc 359 Lincoln Rd, Christchurch PO Box 355, Christchurch, NZ Phone: 0800 443 670 Fax: 0800 443 880
RATING:
Virginia Surety Company, Inc have an A- (Excellent) Claims Paying Ability Rating given by A.M. Best Company on the 30th November 2006.