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    Is camera insurance worthwhile?

    I am going to buy a Canon Ixus 860 from Amazon. Amazon offer camera insurance quite cheapily. Its £10.99 for 2 years, £18.99 for 3 years, £45.00 for 5. I have never had a digital camera before, do they have a tendency to go wrong? The insurance covers accidental damage and breakdown (excluding normal wear and tear). There seems to be a big gap between the price of 3 year insurance and 5 so they obviously expect more claims then.

    I wondered about going for 3 years as £45 for 5 years is a quarter the price of the camera and I suppose the camera will be out of date anyway in 3 years time... on the other hand I dont usually replace equiipment that often.

    All views very gratefully welcomed.

    4 Comments

    when you purchase an electrical item although they say you only get 12mths guarantee you actually get 2 years standard guarantee (as we are in a EU country) companies dont advertise this the skanks. also if you purchase the 3 year warrenty you only actually get 2 as they date the 3 yr warrenty from the day you purchase it not following on from your original 12mths. personnaly if you dont mind chanting law and regulations i would not purchase.

    There is a simple principle that is worth remembering - only insure the risks you can't afford to take. Most problems with these cameras occur during the manufacturer's guarantee period.

    Original Poster

    keli

    when you purchase an electrical item although they say you only get … when you purchase an electrical item although they say you only get 12mths guarantee you actually get 2 years standard guarantee (as we are in a EU country) companies dont advertise this the skanks. also if you purchase the 3 year warrenty you only actually get 2 as they date the 3 yr warrenty from the day you purchase it not following on from your original 12mths. personnaly if you dont mind chanting law and regulations i would not purchase.



    Is this correct? Can anyone confirm? Many thanks. Presumably I would be slugging it out with Canon after year one, not with Amazon?

    your debate would be with the company you purchased it from not the manufacturer as the company you buy from has to ensure the products conform to the intended purpose you brought it for.. they do try and fob you off and say you have to deal with the manufacturer but this is not the case
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