A stable, well-functioning financial market for allA stable, well-functioning financial market for allSuitable TV insurance
Consumers are often offered product insurance when they purchase electronic products. If the consumer accepts, the insurance agreement is printed out and signed in the store.
It is not always easy for a consumer to know whether the insurance offered is useful or not. What can be good for one consumer may not be for another. Examples of factors that influence the usefulness are which home insurance the consumer has, the risk of damages, the product's price, the consumer's financial situation and the need for the product.
It is the consumer's own responsibility to identify the needs and conditions. In addition, the consumer needs sufficient and correct information in order to be able to make the choice.
There is a risk that the consumer will pay for a protection which he or she already has.
During the autumn, Finansinspektionen and the Swedish Consumer Agency together have investigated the product insurances within the home electronics industry. The reason for the investigation is that many consumers have complained and asked about these insurances.
We have compared the consumer protection for flat screen TVs by investigating what protection the product insurance provides in relation to the consumers' other legislated and voluntary protection: guarantee, refund claims, home insurance and supplementary home insurance.
