Can I Add My Stairlift To My Home Content Insurance Policy
A common question often asked Should I have insurance cover on my stairlift. Should I try & have listed on my Home content policy or find an insurance broker that deals with mobility products.
Do I need to take out any policy at all? Well some people stroll along through life with no complications & never seem to have any bad luck with items they purchase. Unlike myself If wasn t for bad luck I would have no luck at all. No matter what I buy even if it s the dearest item the shop sure as day follows night I guarantee will breakdown. Normally just out the warranty period So if you are one them unlucky people like me. I highly recommend some type insurance cover be taken out.
Stairlift breakdowns can be costly as well as inconvenient Most stairlift companies will offer you an annual stair lift maintenance contract once your warranty has elapsed. The initial train thought on discovering the price these annual service contracts is to wave them goodbye.
Lets have quick look at the Pro s & Con s The most simple solution would be to have stairlift maintenance contract with the company you purchased the stairlift from. The plus side Local Engineer on call Van stocked with spare parts In-house trained on the products they install service & repair. One simple phone call should have you back on track no time.
The downside Tied into twelve month contract Expensive 300-500 per year none refundable Depending on the maintenance contract you take out parts might not be covered or limited Always read the small print
Home Insurance It s down to You to locate company that will be willing to attend. If it s late at night not much chance that happening unless you are on their books so to speak. You will still need to find the cash to pay for the repair & call-out charge & then claim this back through your insurance company This could take Months
C mon when you need to use stairlift you need to use NOW. The last thing you need to be doing is scanning through the telephone book. Phoning company after company who all seem to use telephone answering service. Ever made an appointment with company that never turned up I have many times back to square one best get the phone book out again.
In nutshell any type cover is better than no cover. If you want hassle free service & don t mind the hefty price tag your options are simple. If you are on limited budget then home insurance could be better than no insurance. Insurance companies that insure mobility products should have private contractor or stairlift company who attends emergency call-outs on their behalf etc.
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