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Old 30.10.2014, 13:02
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Extended Warranty - should I bother?

We bought a Freezer from Fust 3 years ago, it was quite expensive but we received 3 years warranty. This has now run out and we've received a bill for another years guarantee, which we ignored thinking we wouldn't bother taking out the extra cover. In our experience, the main reason these stop working are problems with the motor which were never covered by the warranty so it was never worth taking out an extended warranty. Fust were not happy with us ignoring the bill and sent another with a "Spesen" fine. When I spoke with them they said we need to put it in writing that we don't want the cover. I've checked through what is covered on the Warranty (anything to not write a letter in German!) and although I am not certain as my technical Deustch is worse than rubbish, it looks like we would also not be covered for failure with the motor.

Wondered if any of you wonderfully clever EFers have been in a similar situation and what did you do?
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Old 30.10.2014, 13:08
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Re: Extended Warranty - should I bother?

I would send them a registered letter today, telling them you do not want the extended guarantee, and you do not remember asking for it!
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Old 30.10.2014, 13:29
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Re: Extended Warranty - should I bother?

Trouble is that in some cases here there's an assumption of contract renewal if you don't specifically cancel it. Not heard of it for a warranty extension like this, given that presumably you didn't pay extra for the original three year one. Or did you? If so it may be that you've unwittingly committed yourself to this very Swiss way of working.

But like Sbrinz says, contact them immediately and deny any knowledge of it, and insist that they provide the original contract you signed if they say that you have agreed to this.
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Old 30.10.2014, 15:19
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Re: Extended Warranty - should I bother?

Thanks for the advice. Having just translated the policy document it does say that you can cancel the policy in writing after 2 years and yes, my Husband did pay for an extra years guarantee when HE (I'll be having words with him) bought the Freezer, looks like we got first 2 years free.
That'll teach us to translate the paperwork sooner rather than later! We stupidly presumed it would be like the UK when we would just ignore renewal Guarantee reminders and eventually they'd go away. Let that be a lesson to us all.
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Old 30.10.2014, 17:26
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Re: Extended Warranty - should I bother?

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Thanks for the advice. Having just translated the policy document it does say that you can cancel the policy in writing after 2 years and yes, my Husband did pay for an extra years guarantee when HE (I'll be having words with him) bought the Freezer, looks like we got first 2 years free.
That'll teach us to translate the paperwork sooner rather than later! We stupidly presumed it would be like the UK when we would just ignore renewal Guarantee reminders and eventually they'd go away. Let that be a lesson to us all.
Hey,

- Every device you buy in Switzerland has 2 years of minimum guarantee by law. This includes of course all parts of the device (motor)

- I'm Swiss and i would never even think of replying to such a letter. Just ignore it. No one can force you to extend your warranty.
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Old 18.01.2015, 09:22
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Re: Extended Warranty - should I bother?

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Hey,

- Every device you buy in Switzerland has 2 years of minimum guarantee by law. This includes of course all parts of the device (motor)

- I'm Swiss and i would never even think of replying to such a letter. Just ignore it. No one can force you to extend your warranty.

@ Swissspy

I had a similar problem with the purchase of a laptop that I have made last December.

Lesson learned: NEVER SIGN FOR THE PROLONGATION OF THE GUARANTEE OFFERED BY FUST. IF YOU READ IT CAREFULLY CONTAINS A LOT OF OPPRESSIVE CLAUSES.

I signed for the prolongation of the guarantee persuaded by the reassurance of the shop assistant that the replacement of a battery would have been covered. I was told that the prolongation was just for 1 year... (3 instead of 2)
I was stupid to sign without reading it on paper...Anyway, we have now received to our home address the conditions of the prolongation and the battery is excluded!
Moreover, and this is something that the shop assistant failed to mention, the minimum period of the extra warranty is 2 years (instead of 1) and
has already been determined that the next premium for 2017 will be increased by CHF 20 (CHF 140 instead of CHF 120). Also this increase was a surprise.
For sure I was stupid to sign without signing the text, but honestly I was caught by surprise that a shop like fust perpetrates this kind of fraud against the consumers.
If I purchased 1 month ago, do I still have the right to revoke the prolongation?
Is there any consumer association in Switzerland that would take my appeal.
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Old 18.01.2015, 09:55
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Re: Extended Warranty - should I bother?

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@ Swissspy

I had a similar problem with the purchase of a laptop that I have made last December.

Lesson learned: NEVER SIGN FOR THE PROLONGATION OF THE GUARANTEE OFFERED BY FUST. IF YOU READ IT CAREFULLY CONTAINS A LOT OF OPPRESSIVE CLAUSES.

I signed for the prolongation of the guarantee persuaded by the reassurance of the shop assistant that the replacement of a battery would have been covered. I was told that the prolongation was just for 1 year... (3 instead of 2)
I was stupid to sign without reading it on paper...Anyway, we have now received to our home address the conditions of the prolongation and the battery is excluded!
Moreover, and this is something that the shop assistant failed to mention, the minimum period of the extra warranty is 2 years (instead of 1) and
has already been determined that the next premium for 2017 will be increased by CHF 20 (CHF 140 instead of CHF 120). Also this increase was a surprise.
For sure I was stupid to sign without signing the text, but honestly I was caught by surprise that a shop like fust perpetrates this kind of fraud against the consumers.
If I purchased 1 month ago, do I still have the right to revoke the prolongation?
Is there any consumer association in Switzerland that would take my appeal.
I detest this kind of sharp practice. I would dispute it firmly and politely by registered letter, explaining that you signed for one year because you were clearly told that it covered the battery, and that you now refuse to pay because the conditions are not those that were explained to you. The increase in the premium is another ground for cancelling, so use that, too.

By the way there is another lesson to be learned about insurance generally, and that's that there are only three valid reasons for taking out insurance:

1. It's required by law.
2. You know something about the risk that the insurer doesn't.
3. You can't afford to pay the insured costs yourself.

In answer to your question, according to this page there's an insurance ombudsman. Lots of other useful links to consumer protection organisations as well.

Ombudsman der Privatversicherungen und SUVA
Postfach 2646
8022 Zürich
044 211 30 90
www.versicherungsombudsman.ch
help@versicherungsombudsman.ch

Last edited by Jern; 18.01.2015 at 10:10. Reason: added link
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