In the case of home insurance, there is a warranty extension covering large appliances (such as a compact dishwasher, a washing machine with a dryer function). This is an optional warranty that relates to the basic coverage of an HRM contract.
The home appliance coverage indemnifies the insured for any loss of power and power that would damage his equipment.
The following rules apply to all appliances covered by the service: household appliances, computers, television, etc.
Failure after repair
If the appliance breaks down shortly after a repair worker has intervened, the customer can ask him for compensation or another intervention without charge. In this situation, the repairer may be criticized for insufficient examination of the appliance. However, the customer can not dispute the payment of the repairs already carried out when these are necessary.
Obligations of the professional
If the repairer fails to comply with his contractual obligations ( delay in delivery), he commits a fault which, on the basis of article 1231-1 of the Civil Code, must give rise to the payment of damages in your favor.
In addition, if the repairer has caused damage to your device, it violates article 1932 of the Civil Code, which provides that the depositary must render identically the thing it has received.
The repairer must either:
- Compensate you
- Repair your device free.
1. following a water damage, fire or explosion:
The warranty for appliances is when a device is damaged due to water damage, explosion or fire.
Compensation is equivalent to the value of the aircraft up to 5 years of its purchase.
In order to be entitled to compensation, the insurer must notify the insurer for a period of 5 working days. An expert, mandated by your insurer, evaluates the reported harm. You must then prove the value of the appliances by invoices or statements from your bank account. The allowances are in principle paid within 1 to 2 months.
2. due to power failure
This failure can result either from a technical defect or from a climatic event. For a freezer, for example, the cold chain is no longer reliable after 24 hours without electricity.
The compensation is based on your own reporting value of the lost goods. To be compensated on the contents of the refrigerator, for example, it must be mentioned in the conditions of the guarantee. Check this statement before taking out home insurance.
Generally, household appliances may not be covered if you are supplying yourself with electricity supplies such as a generator or photovoltaic panels or if the breakdown is due to negligence on your part.
3. following an overvoltage
Appliances are reputed to be robust. They are supposed to withstand slight variations in electrical intensity. However, they may suffer significant damage in the event of an overvoltage.
In this case, if your equipment can be repaired, your insurer will only reimburse you for the cost of a refurbishment and removal costs with transport charges.
Typically, the appliance warranty includes support services, such as the loan of a replacement washing machine in the event of a breakdown.
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