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Question Extended Warranty question

SOPOOR

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so Amex has 1 year extension of manufacturers warranty

im looking at an oven from bunnings,
ive got a bunnings trade account from years ago that I still have

if I put the purchase on my bunnings account, and then pay it off with my credit card,

will this still count as extending the manufacturers warranty by one year?
 

asterix

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I'm not sure if ovens are covered. Here is an extract from the AMEX Explorer Insurance T&Cs. I'm not sure what they mean by "to become part of a real property purchase".

1564548839410.png
 

SOPOOR

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I would assume a drill would be covered, but not any fixtures, so no pool pumps, ceiling fans, benchtops, etc
yes, agree, the original question was more of , would the extended warranty still be valid, if it was put on the bunnings account, and paid for a while later?

as its not directly paying with the amex on the transaction date/time
 

asterix

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The main problem I see is that the Bunnings receipt date with the item on it won't match the payment date on the AMEX. You'd need to contact Chubb to get there input.
 

SOPOOR

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The main problem I see is that the Bunnings receipt date with the item on it won't match the payment date on the AMEX. You'd need to contact Chubb to get there input.
geez, how long did that take,
took 2 weeks to reply to 2 consecutive emails because the first one was unclear

here is what I got, for others with the same question

1. If I make a purchase of a good thats paid 50% with the Amex card and 50% cash , is the extended warranty valid?
2. I currently have a bunnings account where I can put the purchase on the account and pay it a month later, if I buy a powertool for example, and then put it on my bunnings account, and then pay for it at a later date, is the extended warranty valid? as the invoice date and the payment on the credit card date will be different
3. If I buy a new computer on ebay, and pay for it using my amex card, will extended warranty be valid as the merchant on the credit card will be ebay


ANSWER 1. Subject to the terms, conditions & exclusions, the only way to become eligible for this benefit is that the eligible product has to be paid in full by using your Explorer Card Account / Membership Rewards Points / Combination of these

ANSWER 2/3. The benefit will not be available unless & until the amount is paid in full & can't use the product without paying it in full. As long as the item purchased is brand new, with the original manufacturers serial number, only then the benefit would be available.

MY reply :
Point 2. You say as long the product cant be used until paid for.
These accounts you take the goods straight away and get a bill later like most credit accounts, so will a bunnings credit account be covered

THEIR REPLY: what it means that the benefit would only be available once the amount is paid in full on your card & not before that.

It still confuses me to be honest
 

SOPOOR

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if you want the extended warranty, you must pay for the item with the Amex card directly, and in full.

No ifs/buts/workarounds. thats how all the credit card benefits work.
incorrect,

theyve confirmed, if you pay by paypal you are covered,
theyve also confirmed if you pay by bunnings account and then via amex, you are covered,

originally they said, you are NOT covered if you can use the item before full payment via amex card,
but they have retracted that

suggest you get your facts straight before making general statements
 

Steady

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I frequently swipe my company bunny card for the discount, and then pay for the personal goods directly with my CC.
 

MEL_Traveller

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Worth bearing in mind that an additional 1 year extension of warranty is still likely to be less than your statutory rights. If an oven comes with manufacurer warranty of 5 years, and AMEX extended that by 1, it may be that your statutory rights cover you for 10 years (or more). The benefit of the AMEX extension may be limited, if any. It's the same with extended warranties which can be very expensive, but may give you little more than your statutory rights.
 

SOPOOR

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Worth bearing in mind that an additional 1 year extension of warranty is still likely to be less than your statutory rights. If an oven comes with manufacurer warranty of 5 years, and AMEX extended that by 1, it may be that your statutory rights cover you for 10 years (or more). The benefit of the AMEX extension may be limited, if any. It's the same with extended warranties which can be very expensive, but may give you little more than your statutory rights.
thats a great point, however if im not wrong, statuory rights argument is subjective and not written in concrete,
you could use the extended warranty first, and then go down teh ACL route

edit: I do recall seeing a clause mentioning nothing above extending past 5 years will be eligible as well
 

MEL_Traveller

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thats a great point, however if im not wrong, statuory rights argument is subjective and not written in concrete,
you could use the extended warranty first, and then go down teh ACL route

edit: I do recall seeing a clause mentioning nothing above extending past 5 years will be eligible as well
No no! :) You statutory rights are exactly that - concrete! In law! Goods must last a reasonable time. I don't think anyone would expect to buy an oven with a lifespan of just 5 years. More like 10-15, or even 20.

I was reading an extended warranty PDS the other day and the wording now makes it very clear that their cover may not be as comprehensive as your statutory rights.

Instead, the PDS sold itself as providing a 'one-stop' service where they would collect your appliance and handle everything for you. So sort of like your agent in dealing with the manufacturer or retailer.

I can understand that might be appealing for some folk. But the cost of these extended warranties can be huge.
 

SOPOOR

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No no! :) You statutory rights are exactly that - concrete! In law! Goods must last a reasonable time. I don't think anyone would expect to buy an oven with a lifespan of just 5 years. More like 10-15, or even 20.

I was reading an extended warranty PDS the other day and the wording now makes it very clear that their cover may not be as comprehensive as your statutory rights.

Instead, the PDS sold itself as providing a 'one-stop' service where they would collect your appliance and handle everything for you. So sort of like your agent in dealing with the manufacturer or retailer.

I can understand that might be appealing for some folk. But the cost of these extended warranties can be huge.
I totally get what you mean, the ACL does say it must be a reasonable time, correct

but I was under the impression that the definition of reaonsable time is not concrete, I couldnt find a document that sets out how many years for groups of products
 

MEL_Traveller

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I totally get what you mean, the ACL does say it must be a reasonable time, correct

but I was under the impression that the definition of reaonsable time is not concrete, I couldnt find a document that sets out how many years for groups of products
So at best, an extended warranty might give you one extra year of peace of mind. If it's free, no worries. But it's the paid ones that may not represent value for money.

There won't necessarily be a definition of reaosnable for each product and each class of products, but there's plenty of guidance, IIRC, on the various consumer affairs websites in each state and federally. An oven in domestic use might be expected to last a lifetime. The same oven if used in a small business restaurant might be significantly less than that.

Other factors might include price. An kettle for $19 may not be expected to last as long as a kettle for $799 (yes, there is a Smeg 'special edition' dolce & gabbana kettle for $799!)
 

SOPOOR

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So at best, an extended warranty might give you one extra year of peace of mind. If it's free, no worries. But it's the paid ones that may not represent value for money.

There won't necessarily be a definition of reaosnable for each product and each class of products, but there's plenty of guidance, IIRC, on the various consumer affairs websites in each state and federally. An oven in domestic use might be expected to last a lifetime. The same oven if used in a small business restaurant might be significantly less than that.

Other factors might include price. An kettle for $19 may not be expected to last as long as a kettle for $799 (yes, there is a Smeg 'special edition' dolce & gabbana kettle for $799!)
agree,

Ive never done a ACL claim, but I would assume that it would be much more of a hassle to go through ACL and forcing the retailer to repair it outside the warranty
Ive only paid for exteneded warranty once, and I did use it, but i would not buy it again!

an $800 kettle had better be giving me free water from a sacred fountain of youth for life!!!!
 

MEL_Traveller

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agree,

Ive never done a ACL claim, but I would assume that it would be much more of a hassle to go through ACL and forcing the retailer to repair it outside the warranty
Ive only paid for exteneded warranty once, and I did use it, but i would not buy it again!

an $800 kettle had better be giving me free water from a sacred fountain of youth for life!!!!
From my limited experience, you don't always need to go through the ACL to enforce your statustory rights. But you do need to get through to the right part of the organisation you are claiming against so that the person you speak to is empowered to act. Dealing with front line staff - either in the shop or call centre - may not get results other than 'this is outside warranty'. Asking them to run the matter past their legal department can get the results you want. I had a product well outside warranty (many years outside) and once the right people got involved it was all fixed.
 

SOPOOR

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From my limited experience, you don't always need to go through the ACL to enforce your statustory rights. But you do need to get through to the right part of the organisation you are claiming against so that the person you speak to is empowered to act. Dealing with front line staff - either in the shop or call centre - may not get results other than 'this is outside warranty'. Asking them to run the matter past their legal department can get the results you want. I had a product well outside warranty (many years outside) and once the right people got involved it was all fixed.
you just reminded me, years ago I went a bit stupid and purchased a top top top end laptop computer, it was almost $5000,
it broke after 3-4 years, the mobo died and was deemed not possible to repair

this was about 10 years ago, I wonder had I pursued my ACL rights, had I had a chance of a repair
 

MEL_Traveller

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you just reminded me, years ago I went a bit stupid and purchased a top top top end laptop computer, it was almost $5000,
it broke after 3-4 years, the mobo died and was deemed not possible to repair

this was about 10 years ago, I wonder had I pursued my ACL rights, had I had a chance of a repair
Possibly. But a bit too late now maybe.

With normal use, you'd expect a top-line laptop - or even regular PC - to last longer than 5 years.

Iphones and the like being 'designed for two years' these days is rubbish. They're costly pieces of equipment.

Sure, the software may get superceded, but the hardware should continue.
 

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