When you buy a new camera, do you recommend purchasing the extended warranty?
Sep 19, 2012 06:41:24 #
kerfree wrote:
Hello to all you seasoned UHH camera buyers,
I would love your opinion on whether you think it is worth the extra $153 for the accidental damage protection (3yrs) and customer care (2yrs). Thanks!
I would love your opinion on whether you think it is worth the extra $153 for the accidental damage protection (3yrs) and customer care (2yrs). Thanks!
"Accidental Damage" is an interesting term. Would that include dropping and water damage? Most camera repairs would cost more than $153, and three years is a pretty good length of time.
It's the "Extended Warranties" that generally don't seem worthwhile.
Sep 19, 2012 07:08:41 #
[quote=kerfree]
Yes, I admit you are right, but I promised my husband that this next camera with it's rugged pro body would last foreverrrrr....[/quote
Uhoh, sounds like you made a promise in the sales pitch to the other half and are having second thoughts. My answer to sales peoople when they bring up added warranty insurance is if you think the product is that bad perhaps I should revisit my decision to buy it. Usually if something is going to go to pot it will do it in the manufacturers warranty period. As for accidental damage I would check to see if I could get a rider on my homeowners policy.
unclebe1 wrote:
No you don't! In five years you're going to be itching to upgrade. In ten years they'll have capabilities we're not even thinking about yet. You know I'm right and you know you'll want them. :lol:
kerfree wrote:
Guess it's a gamble, like everything else in life! I do wish my camera had half the life of your paper shredder!
Guess it's a gamble, like everything else in life! I do wish my camera had half the life of your paper shredder!
No you don't! In five years you're going to be itching to upgrade. In ten years they'll have capabilities we're not even thinking about yet. You know I'm right and you know you'll want them. :lol:
Yes, I admit you are right, but I promised my husband that this next camera with it's rugged pro body would last foreverrrrr....[/quote
Uhoh, sounds like you made a promise in the sales pitch to the other half and are having second thoughts. My answer to sales peoople when they bring up added warranty insurance is if you think the product is that bad perhaps I should revisit my decision to buy it. Usually if something is going to go to pot it will do it in the manufacturers warranty period. As for accidental damage I would check to see if I could get a rider on my homeowners policy.
Sep 19, 2012 07:35:26 #
Bought a Canon Pro9000 printer with a 3 yr extended warranty from CompUSA. Waranty expired end of November. In August of 4yr (last year of warranty) printer started adding a magenta cast on anything and everything. Tried everything, no fix. Mid October, found the warranty, which I had forgotten about, called CompUSA, worked with the telephone service - they said couldn't be fixed, sent me to the CompUSA store, carried the printer in, took aobut two hours for them to go thru the verification with the telephone people, walked out with a brand new printer. The next week CompuUSA went into liquidation. However long ago that was printer still workiong nicely.
Sep 19, 2012 07:41:50 #
Many credit cards automatically offer to extend (double) the mfg warranty. Anything I purchase in excess of $100 I make sure to use a cc for the protection it gives me.
PS - that advice is only good if you plan to pay in full when the bill is due.
PS - that advice is only good if you plan to pay in full when the bill is due.
Sep 19, 2012 07:50:11 #
Iduno wrote:
Many credit cards automatically offer to extend (double) the mfg warranty. Anything I purchase in excess of $100 I make sure to use a cc for the protection it gives me.
PS - that advice is only good if you plan to pay in full when the bill is due.
PS - that advice is only good if you plan to pay in full when the bill is due.
I've heard of that. Did anyone actually use it and how did it work out?
Sep 19, 2012 07:51:23 #
Iduno wrote:
Many credit cards automatically offer to extend (double) the mfg warranty. Anything I purchase in excess of $100 I make sure to use a cc for the protection it gives me.
PS - that advice is only good if you plan to pay in full when the bill is due.
PS - that advice is only good if you plan to pay in full when the bill is due.
Is paying in full required? Credit cards chance their terms so often that you have to check before you buy. I have several cards that give rebates for gas, but they change the rate every few months, and I have to "register" every time they make a change. It's almost like they don't have my welfare at the top of their list. :D
Sep 19, 2012 07:58:12 #
jerryc41 wrote:
quote=Iduno Many credit cards automatically offer... (show quote)
Isn't that the truth... My Capital One, the Forever Card had a 6.9% interest rate that is now 17%. It is now 0% by paying off the balance in full every month.
Sep 19, 2012 08:18:54 #
unclebe1 wrote:
No you don't! In five years you're going to be itching to upgrade. In ten years they'll have capabilities we're not even thinking about yet. You know I'm right and you know you'll want them. :lol:
kerfree wrote:
Guess it's a gamble, like everything else in life! I do wish my camera had half the life of your paper shredder!
Guess it's a gamble, like everything else in life! I do wish my camera had half the life of your paper shredder!
No you don't! In five years you're going to be itching to upgrade. In ten years they'll have capabilities we're not even thinking about yet. You know I'm right and you know you'll want them. :lol:
Consumer Reports says that buying an extended warranty on digital equipment is a waste of money becaus the cameras have the lowest breakdown rate of any electronics....just a thought to add.... :idea:
Sep 19, 2012 08:33:39 #
handgunner wrote:
quote=jerryc41 quote=Iduno Many credit cards aut... (show quote)
Paying off your balance and getting rebates is the way to go. :thumbup:
Sep 19, 2012 08:48:44 #
The only time I have bought the extended warranty was for my son's $200 Nikon as we all know that things happens when kids are involved and it has already been replaced without any hassles. Totally worth the $49.
Sep 19, 2012 09:06:07 #
You are actually asking two questions. One is insurance in case you drop your camera etc. The other is an extended warranty.
The former deals with risk relating to events. If I were a klutz who had a history of drops, bumps etc. I might seriously consider it. Any camera of any quality can be damaged by a woops.
As for the extended warranty, most electronic components will fail sooner rather than later. That means if it has no problems within the factory warranty it probably will go for years after with no problems. Mechanical failures are opposite. The incident of failure will go up over time due to wear. Most cameras today are built on designs that have been tested over time and are mechanically robust. A new untested design or new lighter components might be worth consideration of extended warranty.
Lastly, I believe one or more credit card companies will double the manufacturer warranty if you by the product with their card. I can't for the life of me remember which one makes that offer.
It may be Discover card.
Hope this helps. JB
The former deals with risk relating to events. If I were a klutz who had a history of drops, bumps etc. I might seriously consider it. Any camera of any quality can be damaged by a woops.
As for the extended warranty, most electronic components will fail sooner rather than later. That means if it has no problems within the factory warranty it probably will go for years after with no problems. Mechanical failures are opposite. The incident of failure will go up over time due to wear. Most cameras today are built on designs that have been tested over time and are mechanically robust. A new untested design or new lighter components might be worth consideration of extended warranty.
Lastly, I believe one or more credit card companies will double the manufacturer warranty if you by the product with their card. I can't for the life of me remember which one makes that offer.
It may be Discover card.
Hope this helps. JB
Sep 19, 2012 09:09:27 #
Insurance of any sort is a very bad gamble as insurance companies only pay out a small fraction of the premium in claims. The rest goes to costs and profit. Most payouts, also, are to those who don't take care to avoid them (or, in far too many cases, make fraudulent claims). This applies even more to breakdown insurance, for which a very large proportion goes straight to the salesman.
The best option is to only insure what you cannot afford to lose - normally only your house and contents, your car (at least for third party claims) and travel-abroad medical claims.
I take the best care possible with my camera and similar equipment, so minimising the chance of loss. If I lose something, it will seriously annoy me, but not have any serious effect on my financial stability. Thus, don't insure, especially for breakdown claims.
Many people who do take out this insurance will quote a case where they have saved by making a claim. They forget, however, all the times they have bought it and never claimed.
The best option is to only insure what you cannot afford to lose - normally only your house and contents, your car (at least for third party claims) and travel-abroad medical claims.
I take the best care possible with my camera and similar equipment, so minimising the chance of loss. If I lose something, it will seriously annoy me, but not have any serious effect on my financial stability. Thus, don't insure, especially for breakdown claims.
Many people who do take out this insurance will quote a case where they have saved by making a claim. They forget, however, all the times they have bought it and never claimed.
Sep 19, 2012 09:29:41 #
tom hughes
Loc: Phila Pa
kerfree wrote:
Hello to all you seasoned UHH camera buyers,
I would love your opinion on whether you think it is worth the extra $153 for the accidental damage protection (3yrs) and customer care (2yrs). Thanks!
I would love your opinion on whether you think it is worth the extra $153 for the accidental damage protection (3yrs) and customer care (2yrs). Thanks!
Purchased a 3yr , Mack World Wide, for 5D Mark III purchase. Base it on the replacement value of the equipment. They cover almost every contingency, including liquid. Have separate coverage on Home Owners Policy for all Camera's & Lenses.
Sep 19, 2012 09:48:27 #
unclebe1 wrote:
Talk on your phone.....how quaint! I use mine as ... (show quote)
My phone can't even take pictures!
Sep 19, 2012 09:52:43 #
I would suggest, instead, getting a rider on your homeowners insurance to cover accidental "death and dismemberment" on all your equipment.
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