Accidental death and dismemberment policy for laptop

[squirell nutkin]

Worth it or is it the anti-rust undercoating of the computer world?

I am about to order the laptop for Mrs. Nutkin and ordinarily I never pay protection money on appliances, but considering her track record I think it might be a wise idea.

Anyone have any opinions on these things?

[jinx]

How much is it? What percentage of the cost of the laptop is it?

[squirell nutkin]

Lap is usually 499, on sale for 379. policy is 59. So that would be 59/379ths or something like that. .155%

[jinx]

What's the deal - replacement? Deductable?

[squirell nutkin]

Service Net Replacement Contract Terms and Conditions
SERVICE CONTRACT

This document sets forth the entire Contract between the Service Contract Administrator, hereinafter referred to as We, Us and Our, and, the Purchaser, as You and Your. No representation, promise or condition herein shall modify these terms. Service Net Warranty, LLC (“Service Net”) is contractually obligated to You to provide service under this Contract where in accordance with, and as allowed by state law. If this Contract is purchased in Florida, New Hampshire Insurance Company is contractually obligated to You to provide service under this Contract.
WHAT IS COVERED. This replacement plan protects against operational or mechanical failure of a covered Product if the failure occurs during normal usage. In the event of a covered failure We will replace the original purchased Product with a new or refurbished unit, or refund You the purchase price of the Product, minus tax, provided such action is authorized and necessitated by operational or mechanical failure during normal usage. Coverage does not apply to accessories that are used in conjunction with or to enhance the performance of the covered Product. This replacement plan protects against operational or mechanical failure of a covered Product if a failure occurs while connected to a surge protector approved by the Underwriter’s Laboratory. Your surge protector may be collected by Us for examination.

1. TO OBTAIN AUTHORIZATION FOR REPLACEMENT (ON REPLACEMENT CONTRACTS ONLY)
You must obtain authorization prior to the receipt of a replacement Product.

Go online to www.myserviceplan.com or call the toll free number listed on the reverse side of this Service Contract.
Have this Contract, Your Contract number, and the original Product receipt available.
Instructions on obtaining replacement will be given.
Once authorization is obtained You may be required, at Your expense, to return the Product to Service Net.
This Product is not to be taken to the Retailer.
At Our determination, You will receive a replacement Product of like grade and quality. Technological advances may result in a replacement product with a lower selling price than the original Product. In all cases where a replacement cannot be made, You will receive reimbursement for the original purchase price, excluding sales tax, delivery and installation. This reimbursement may be in the form of a store credit or gift card from the selling Dealer or Retailer of this Service Contract.
All contractual obligations are considered fulfilled upon Product replacement, reimbursement or Contract term expiration.
We reserve the right to replace the Product with a remanufactured or refurbished Product.
The replacement Product will be mailed to You at no cost.
2. TO OBTAIN AUTHORIZATION FOR REPLACEMENT (ON REPLACEMENT CONTRACTS ONLY)
You must obtain authorization prior to the receipt of a replacement Product.ACCIDENTAL DAMAGE FROM HANDLING (ADH). ADH pertains to You if listed on the reverse side of this Contract. Your Product is protected against accidental damage from handling. ADH will end prior to the expiration date when We have, as a result of service provided to You, replaced Your Product or incurred costs under this plan and all other coverage equal to the original purchase price of Your Product (as indicated on your invoice). ADH only covers operational or mechanical failure caused by an accident from handling and does not include protection against normal wear and tear, theft, misplacement, negligence, viruses, reckless, abusive, willful or intentional conduct associated with handling and use of the Product, cosmetic damage and/or other damage that does not affect the unit functionality, damage caused during shipment between You and Our service providers and any other limitations listed in the Limitations of Coverage section. Any resultant damage from this type of treatment is NOT covered by this ADH program. The use of this coverage requires an explanation of where and when the accident occurred as well as a detailed description of the actual event. Failure to provide this information will result in claim denial.

3. TERM OF COVERAGE. Coverage extends from the expiration of the manufacturer’s Product warranty for the period indicated on the reverse side of this Contract.

4. LIMIT OF LIABILITY. Maximum liability under this Contract shall be the cost of: (I) one replacement with a Product of like grade and quality or (II) reimbursement of the retail price paid for the products minus the sales tax. This Contract provides for only the one-time replacement of the Product with another Product of like grade and quality. This Contract will expire at the time of this replacement or reimbursement for replacement or term expiration and the covered Product becomes the property of Service Net and We may, at Our discretion, require the Product to be returned to Us (or Our designee) at Our expense. Service Net reserves the right to replace the Product with a remanufactured or refurbished Product. Technological advances may result in a replacement product with a lower selling price than the original Product.

5. DEDUCTIBLE. No deductible applies to this Contract.

6. RENEWABILITY. This Contract is not renewable.

[squirell nutkin]

7. LIMITATIONS OF COVERAGE – This Contract Does Not Cover:
Any Product located outside the continental United States, Alaska, and Hawaii. (US only).
Service required as a result of any alteration of the equipment, or repairs made by anyone other than a participating servicing dealer, an authorized service provider, its agents, distributors, contractors or licensees, or the use of supplies other than those recommended by the manufacturer.
Damage or other equipment failure due to causes beyond Our control including, but not limited to, repairs necessary due to operator negligence, the failure to maintain the equipment according to the owner’s manual instructions, abuse, vandalism, theft, fire, flood, wind, freezing, power failure, inadequate power supply, unusual atmospheric conditions, animal or insect damage, acts of war or acts of God.
Service necessary because of improper storage or improper ventilation, including failure to place the equipment in an area that complies with the manufacturer’s published space or environmental requirements. Any installation that prevents normal service.
Misuse, abuse, reconfiguration of equipment or improper movement of the equipment. Any utilization of equipment that is inconsistent with either the design of the equipment or the way the manufacturer intended the equipment to be used.
Any and all cases in which the manufacturer of the equipment would not honor any warranty regarding the equipment.
Products used in a commercial environment, which is defined as non-residential, multi-user, communal or industrial use, unless specific commercial coverage is purchased.
Cosmetic damage such as, but not limited to scratches, dents, rust, and stains.
Non-functional parts such as, but not limited to, plastics, finishes, porcelain or enamel parts, knobs and dials, handles (unless critical to the function of the Product), or trim.
Consumable Items: Consumable items are defined as any part that is considered consumable by the manufacturer or any item that is designed to be consumed (wear out) during the life of the Product, regardless if it is consumer replaceable or not. Consumable items include, but are not limited to: for Computers, Laptops, and Peripherals: batteries; for Printers, Copiers, and Multifunctional Equipment: ink, fuser, roller kits, maintenance kits, paper trays, and any toner/cartridge; for Consumer Electronics and Appliances: light bulbs, lamps (unless purchased as additional coverage), and batteries; for all products: telephone or other lines connecting to the equipment.
In-warranty parts not provided or shipped by the manufacturer. Operational or mechanical failure covered by manufacturer’s warranty, manufacturer’s recall, improper construction, or factory bulletins, (regardless of whether or not the manufacturer is doing business as an ongoing enterprise). Defects in the equipment due to the manufacturer’s error or improper construction of the equipment.
Consequential damages as a result of malfunctioning of or damage to an operating part of the covered equipment, or damages as a result of any repairs or replacements under this agreement. Damages caused by delays in rendering service or loss of use during the period that the Product is at the authorized service center or otherwise awaiting parts are not covered. Rentals and “loaner” equipment are not covered. You are responsible for creating back-ups of all Your data and software on a regular basis.
Operational or mechanical failure which is not reported prior to expiration of this Contract or within 30 days of Product failure.
Any software, including but not limited to, application programs, network programs, upgrades, formatting of any kind, databases, files, drivers, source code, object code or proprietary data, or any support, configuration, installation or reinstallation of any software or data.
Equipment sold without a manufacturer’s warranty or sold “as is”. Refurbished products with less than an original ninety (90) days manufacturer’s parts and labor limited warranty. Refurbished equipment must be sold on a refurbished contract.
Normal, periodic or preventative maintenance and/or checkups, including but not limited to customer education, adjustments, cleanings, and convergence.
Loss or damage as a result of violation of existing federal, state or municipal codes including repairs to Products not complying with said codes.
Pre-existing conditions (incurred prior to the effective date of coverage), known to You.
Equipment where the serial plate attached to the equipment is removed, defaced or made illegible.
Television or personal computer monitor screen imperfections, including ‘burn in’ or burned CRT phosphor, caused by video games, prolonged display of one or more signal(s), or other abuse. All display products that are used in an application that requires continuous and/or business operation unless additional coverage is purchased.
Damage resulting from unauthorized repair; software virus; or electrical wiring and connections; damage caused during delivery or removal, improper installation, or setup including, but not limited to packing, unpacking or assembly, user facilitated minor adjustments and settings outlined in the Product’s owner’s manual, external antenna or local reception problems, inaccessible products or parts, negligence, misuse or abuse whether willful or not.
Non failure problems that do not require parts, squeaking or other noises and intermittent issues. Subsequent trip charges may need to be paid by You if a second “no failure found” diagnosis is determined based on the same problem.
Electronics and PC equipment over 5 years of age.
Installation, removal, or reinstallation of any equipment.
Any cost recoverable under any other warranty, guarantee, or under an insurance policy (in such case, this Contract will cover any applicable deductible).
Any Product failure which is not reported prior to the expiration of this Contract
8. CANCELLATION AND REFUND. You may cancel this Contract at any time for any reason. If You cancel this Contract within sixty (60) days of the date purchased You will receive a refund of the full purchase price less any claims. If You cancel this Contract thereafter, You will be refunded the remaining days of coverage on a monthly prorated basis, less costs for service performed (if applicable). Neither You nor the Dealer nor We are obligated to renew this Contract beyond the current term.

9. STATE VARIATIONS. Certain states have specific conditions; conditions listed on the front of this form may apply to You.

10. TRANSFERABILITY. You may transfer this Agreement to any person by sending written notice to: Service Net, P.O. Box 1411, Jeffersonville, IN 47131-1411.

11. NOVATION. If Service Net assigns another insurance carrier with an “AM Best” industry rating of A- or better under this Contract directly or indirectly, such new insurance carrier will carry the liability under this Contract.

12. RIGHT TO RECOVER FROM OTHERS. If We make any payment, We are entitled to recover what We paid from other parties. By accepting settlement of a claim, You transfer to Us Your right to recovery against any other party.

13. COVERAGE AND TERM. This is not an insurance policy. As the Administrator, We will assist You in understanding Your warranty and coverage benefits from the day You purchase Your Plan. If Your Product needs repair for operational or mechanical failure, You are required to call the toll free number listed on the front of this Contract or submit Your claim in writing to Service Net, 650 Missouri Ave., Jeffersonville, IN 47130. With any correspondence, please provide Your daytime phone number and claim number if applicable. The expiration date and price of this Contract are listed on the face of this Contract. There are some limitations of coverage. You should review the limitations of coverage paragraph for details. This Plan is secured by a contractual liability or reimbursement insurance policy provided by either Illinois National Insurance Company or New Hampshire Insurance Company Inc., 80 Pine Street, 13th Floor, New York, NY 10005. Telephone 1-800-250-3819. If, within sixty (60) days after proof of loss has been filed, We have not paid a covered claim, provided You with a refund, You are otherwise dissatisfied, or We are no longer a going concern, You may make a claim directly to the insurance company. Please enclose a copy of Your plan when sending correspondence to the Insurer.

14. ENTIRE CONTRACT. This is the entire Contract and no other written or oral modifications are valid.

15. LIMITATION OF LIABILITY. THE DEALER/RETAILER, SERVICE NET, THEIR AGENTS, CONTRACTORS OR LICENSEES WILL NOT UNDER ANY CIRCUMSTANCES BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, PROPERTY DAMAGE, LOST TIME, LOST DATA RESULTING FROM THE BREAKDOWN OR FAILURE OF ANY EQUIPMENT OR FROM DELAYS IN SERVICING OR THE INABILITY TO RENDER SERVICE ON ANY COVERED EQUIPMENT. EXCLUSION IS MADE OF ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE. THERE ARE NO EXPRESS OR IMPLIED WARRANTIES MADE HEREIN.

[Shawnee123]

Ohhh...in that case... I have no idea!

[squirell nutkin]

The thing I always wonder about these is the exclusions.

"I dropped it" or "I spilled juice on it" can be construed as negligence.

I wonder if the list of what they DO cover might be shorter than the list of what they don't cover.

[Shawnee123]

I've always been told not to buy extended warranty type stuff. If there is something wrong with the item, I'd make damn sure the company made it right. If it's something the purchaser/user causes, I bet they'd make damn sure not to cover it.

I'm sure others probably know more about the legal aspect, though.

[Clodfobble]

Originally Posted by squirell nutkin

"I dropped it" or "I spilled juice on it" can be construed as negligence

I think "I dropped it" counts as an accident, whereas "I dropped it while snowboarding" counts as negligence.

Originally Posted by Shawnee123

If it's something the purchaser/user causes, I bet they'd make damn sure not to cover it.

That's the whole point of this specific warranty though, it's for accidental damage that the user causes. I can't speak to the specifics of this insurer or policy, but I can say that my own accidental damage policy immediately replaced my laptop's keyboard when it stopped working so well, even when I couldn't point to a specific spill or toddler fist impact that caused it, just a buildup of abuse over time. As someone with children who habitually break things, I find it to be worth it. YMMV.

[squirell nutkin]

Originally Posted by Shawnee123

I've always been told not to buy extended warranty type stuff.

The Treaty of Greenville still leaving a bad taste in your mouth?

[Shawnee123]

That's the whole point of this specific warranty though, it's for accidental damage that the user causes. I can't speak to the specifics of this insurer or policy, but I can say that my own accidental damage policy immediately replaced my laptop's keyboard when it stopped working so well, even when I couldn't point to a specific spill or toddler fist impact that caused it, just a buildup of abuse over time. As someone with children who habitually break things, I find it to be worth it. YMMV.

Ahhhh...then yeah, I think it would be worth the price. (Admittedly, I didn't read the whole contract. OK, I didn't read any of it. )

Thanks!

The Treaty of Greenville still leaving a bad taste in your mouth?

Bwaaaaaaahaaaa! Now that you mention it...!

[squirell nutkin]

Originally Posted by Clodfobble

I think "I dropped it" counts as an accident, whereas "I dropped it while snowboarding" counts as negligence.



That's the whole point of this specific warranty though, it's for accidental damage that the user causes. I can't speak to the specifics of this insurer or policy, but I can say that my own accidental damage policy immediately replaced my laptop's keyboard when it stopped working so well, even when I couldn't point to a specific spill or toddler fist impact that caused it, just a buildup of abuse over time. As someone with children who habitually break things, I find it to be worth it. YMMV.

Oops. I just bought it w/o the warranty having not read your faith inducing testimony.

Well, we'll see.

[Clodfobble]

They'll sell you one after the fact, I bet, if you still want one. They do make money on them overall or they wouldn't sell them at all.

[Pete Zicato]

I've never bought an extended warranty for electronic stuff and never had reason to regret it. Most electronics will break in the first three months or run for years.

On the other hand, I know enough about how stuff operates to not abuse it. If software things go bad, I know how to fix it or how to find out how to fix it.