BettaCare Warranty Information Terms & Conditions
Important Note:
Except in the case of Custom Packages a separate Policy must be purchased for every Appliance. Please ensure that you retain your Tax Invoice that records the Appliance purchased and the Policy on the Appliance, together with the booklet as these will be required in the event of a claim.
What is Covered by Your Policy
This Policy applies to electrical or battery operated Appliances that are purchased for domestic use. Subject to the terms, conditions and exclusions of the Policy; We agree that if during the Period of Extended Warranty the insured Appliance/s suffers an unexpected electrical or mechanical failure, We may elect at Our option to repair or replace the Appliance/s. The Policy includes Cover for food spoilage.
We will pay, subject to the terms and conditions of Cover, up to $250 per claim where food spoilage was caused by or attributable to a fault that is the subject of a valid claim. Regardless of the number of claims, the total amount payable is limited to the original purchase price of the insured Appliance.
We will pay subject to the terms and conditions of the Policy the cost for the Appliance/s to be repaired to normal working order or the replacement cost for an equivalent Appliance up to the original purchase price. For Appliances over 2 years old as at the date of loss any claim will be settled on an indemnity basis which covers the value of the Appliance at the time of loss or damage taking into consideration the age, condition and state of repair of the Appliance.
Duration of the Policy
Your Policy commences on expiration of the Manufacturer’s Warranty and ceases:
- five (5) years from the original date of purchase of the Appliance; or
- three (3) years for digital cameras and laptops from the original date of purchase; or three (3) \years for replacement Cover (all items with a purchase price under $400) from the original date of purchase; or
- where the item has been replaced in the event of a total loss.
Conditions of the Contract
- Coverage is limited to New Zealand
- Cover is not provided for products with less than three (3) months Manufacturer Warranty
- For replacement Cover there must be a minimum of twelve (12) months Manufacturer Warranty
- If the Appliance/s covered are sold, the balance of Your Policy can be transferred upon notification to the Warranty Service Centre on 0800 443 670. A $35 fee is applicable for all transfers
- All Cover under this Policy ceases when the maximum claim limit is reached, this being the original purchase price of the insured Appliance
- The customer will be required to pay the service call out fee if the service call is a result of user fault or if the location is more than 50 kms from the nearest Authorised Service Centre
- All costs associated with repairs and service call out, must have prior approval by the underwriter for any costs to be covered by this Policy.
- Where the original purchase price of the Appliance was equal to or less than $400, You have purchased replacement Cover. In the event the Appliance suffers a mechanical or electrical failure covered by this Policy the item will be replaced and Your Policy will end.
- No cash settlements will be made at any time.
Benefits of the Policy
- Any items that are installed permanently e.g. TV’s larger than 60cm (25”) will be serviced on site free of charge, subject to a 50km limit (from Your nearest service agent).
- This Policy also includes (from date of purchase) protection for damage caused by power surge or fluctuations in power supply. The power surge or fluctuation does not depend on Cover being provided under the Manufacturer’s Warranty.
- In the event that the item is unable to be repaired (due to the non-availability of parts) We will either replace the item or provide an equivalent item.
- In the event the original purchase price is $400 or less, the tem will be replaced.
Replacement Terms
We may replace Your Appliance with an equivalent product when Your Appliance is not economically repairable or repair costs will exceed the Original Purchase Price of Your Appliance. Technological advances may result in a replacement product with a lower selling price than the original product. The replacement cost shall not exceed the original purchase price You paid for Your Appliance.
When a replacement product is not available We may choose to settle any claim on an indemnity basis taking into consideration the age condition, and state of repair of the appliance.
Replacement of Your Appliance shall constitute fulfilment of this Policy and any remaining period of Cover does not transfer onto Your new item.
Where the original cost of the appliance was $400 or less, and the appliance suffers a mechanical or electrical failure as covered by the terms, conditions and exclusions of this Policy, You will receive a replacement product as settlement of any claim.
Definitions
Appliance: means the Appliance purchased as stated on Your Retailers Tax Invoice.
Cover: means the protection provided by the Policy as stated on Your Retailers Tax Invoice.
Manufacturer’s Warranty: means the original Appliance warranty coverage provided by the manufacturer from the date of purchase of the Appliance.
Policy: means the document issued to You containing the terms and conditions of Cover.
Retailer Tax Invoice: means the original purchase invoice for the Appliance covered by this Plan.
Total Loss: an Appliance will be deemed a Total Loss when We consider it uneconomical to repair the Appliance or when repair costs are in excess of the original purchase cost.
Warranty Record: means Your Policy details that are recorded on the Retailers Tax Invoice.
We, Us, Our: means Virginia Surety, Inc.
You, Your: means the person nominated as the purchaser on the Retailers Tax Invoice.
Availability of Service
Whilst We at all times try to ensure that service is completed as quickly as possible, We are not responsible for delays caused by factors beyond Our control, including but not limited to manufacturer’s delays in providing parts to the repairer, general manufacturer availability of parts, the repairers existing work schedule and the like.
Subrogation
When We pay a claim under the Product Protection Plan, We have the right to takeover and enforce any right to recover the loss from another party. We may do this in Your name and You have an obligation to assist as required.
Cancellation
- Cancellation by You
You may cancel this Policy at any time by advising us in writing. If the Policy is cancelled We will retain a proportionate amount of the premium for the time that Cover has been provided together with Our cancellation fee of $88.00 - Cancellation by US
We may cancel this Policy by giving you notice in writing for reasons including:
- Non-disclosure;
- Failure to comply with the conditions of this Policy;
- Misrepresentation; or
- Non payment of premium.
If We cancel Your Policy, We do not have to refund Your premium if You have already made a claim on the Policy. In the event Your Insured Appliance/s are declared a Total Loss and a claim is paid out, Your Policy ceases immediately and no refund of any premium will be payable.
What to do if Your Product Fails
Review the manufacturer’s procedures, as this will often pinpoint what is wrong and advise You how to remedy the failure. If this fails to identify the problem or the Appliance needs repair, contact Us on 0800 443 670 and We Will direct You to an appropriate service centre or arrange for a service call.
Please ensure You have Your purchase invoice available when calling.
Please note that costs associated with repair, removal or installation of the Appliance will not be paid unless first authorised by Us.
What is Not Covered
The Policy does not provide cover for:
- Appliances being used for commercial purposes;
- Any software or virus related faults;
- Failure caused by inherent defects such as date noncompliance or design defects;
- Laser assemblies after 3 years from the date of purchase;
- Consumable products such as cables, cords, cartridges, tapes, software items, batteries, fuses, bulbs, styli, ribbons, filters, toner and the like;
- Automatic timing mechanisms for used white ware products;
- Non-operating or cosmetic damage;
- Damage caused prior to or during delivery;
- Failure as a result of improper or unauthorised modification or repair;
- Failure to follow the manufacturer’s installation or operating instructions or where the repairs being claimed for are not claimable under the manufacturer’s original warranty or are subject to manufacturer recall;
- Normal maintenance, cleaning, lubrication, alignment, reprogramming and/or adjustment to the Appliance;
- Alignment, tuning and/or reprogramming of the Appliance;
- Normal wear and tear or gradual deterioration of the Appliance;
- Failure caused by accidental or deliberate damage, neglect, abuse, willful act, misuse, theft, sand, water or liquid damage, rust, corrosion or battery leakage, mildew or mould;
- Failure resulting from external sources including but not limited to, infestation of vermin, pests or insects, acts of God, interference, blocked plumbing;
- Failure resulting from internal or external blocked pipes, hoses and / or filters;
- Failure caused by external wiring and connections, or non-compatibility of accessories;
- A burned phosphor in a computer monitor due to no screen saver being used;
- Failure of speakers as a result of overloading;
- Any cost incurred where no claimable failure is identified;
- Loss of use or consequential loss of any type resulting from any failure;
- Any cost associated with accessing or reinstalling built in or fixed products or Appliances;
- Loss of software, data, floppy disks or CD-Rom disks as a result of viruses, malfunction or damage of an operating part;
- Satellite systems;
- Service call out costs as a result of user fault or where no claim is accepted;
- Service call out costs for locations over 50kms from nearest Authorised Service Centre;
- Any cost associated with repair, removal, replacement or installation of the Goods will not be paid unless first authorised by Us;
- Freight / delivery / postage costs;
- Any accessories purchased in addition to the Appliance, for example but not limited to memory cards, cases, bags, battery chargers and the like;
- Costs incurred where no mechanical or electrical failure can be identified; or
- Any hand held devices including but not limited to Mobile Phones, GPS Devices, PDAs, MP3 / MP4 players and IPODs.
Privacy Act
Pursuant to the Privacy Act 1993 please note the following information:
This contract collects information about You that is used for finance and insurance purposes. The information collected is held by the Administrator and used to administer Your Policy. You have rights of access to and correction of this information, subject to the provisions of the Privacy Act 1993.
Dispute Resolution
Should You have a concern relating to any area of Our business You may choose to refer Your concern to the manager or supervisor directly responsible for that area. If Your complaint is not resolved to Your satisfaction You may refer Your concern to Our Customer Complaints and Disputes Review Process. If You are not satisfied with the outcome of Our process We will assist You in directing Your issue for further review to an independent external dispute resolution scheme.
You may contact the Administrator’s Disputes Officer on 0800 443 881 if You have any queries or would like a copy of Our Customer Complaints and Disputes Review brochure.
Administrator
This policy is administered by: The Warranty Group Australasia, P.O. Box 355, Christchurch, New Zealand.
Phone: 0800 443 670
Underwriteres:
This policy is underwritten by:
Virginia Surety Company, Inc
359 Lincoln Rd, Christchurch
PO Box 355, Christchurch, New Zealand
Phone: 0800 443 670
Fax: 0800 443 880
Rating:
Virginia Surety Company, Inc, has an A- (Excellent) Claims Paying Ability Rating given by A.M. Best Company on the 9th December 2009. A.M. Best Company is an approved agency under the Insurance Companies [Ratings and Inspections] Act 1994. Virginia Surety Company in no way limits Your rights under the Consumer Guarantees Act 1993.
