I Just Got My Hat Nailed On With Home Stairlift Insurance
A couple common question often asked Should I have insurance cover on my stairlift. Should I try & have listed on my Home content insurance or find separate insurance company 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.
Chairlift breakdowns can be costly as well as inconvenient Most chairlift companies will offer you an annual stairlift maintenance contract once your warranty has elapsed. The initial train thought on discovering the price these annual service contracts is to wave them goodbye.
What are the Pro s & Con s The simplest solution would be to have stair lift maintenance contract with the company you purchased the stair lift from. Plus side Local Engineer on call Van stocked with spare parts In-house trained on the products they install service & repair. One phone call should have you flying up & down the stairs again no time.
Downside Tied into twelve month contract Very 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 Policy It s down to You to find company that will attend to your breakdown. If it s late at night not much chance that happening unless you are on their books & have their emergency breakdown number. You will still need to find the hard cold cash to pay for the repair & call-out charge & then claim this back through your insurance company This could take Months
Lets face when you need stairlift you need NOW. The last thing you want to be doing is looking through the telephone book. Phoning company after company who all seem to use telephone answering machine. 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 option is simple. If you are on limited budget then home insurance would be better than no cover. 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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