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Protection PLan

Protect your investment with AIG Extended Warranty & Accidental Cover

Purchasing the right appliances is not an easy task, but we have a dedicated team online and in-store to help you make the right decision. Consider our Protection Plans to ensure you get the most out of your purchase. Whether it's the new ceramic hob or the iPad you always wanted accidents happen! But don't worry we've got your back, precisely our Protection Plan does. See how it all works in our simple Q&A.

1. What appliances can I buy the "Extended Warranty & Accidental Damage" on?
Almost 95% of DID product line-up has "extended warranty/accidental damage” policies available to purchase.

2. Can I still purchase these even if I did not do that on the day of purchasing the appliance?
You can buy the insurance on the day of purchase of an eligible appliance or within 60 days of delivery, provided that the appliance:

  • Is purchased new from D.I.D Electrical;
  • Has a manufacturers guarantee valid in the Republic of Ireland; and
  • Is intended for domestic and personal use. Office products (i.e. computers) are covered for both domestic and office use.

3. How much does this Insurance cost?
The price of the "DID Total Protection" depends on the price of the appliance, the variant of the cover and the cover’s duration. For details please call into your nearest DID Store or call DID customer support on 01-6250250

4. Can I just buy Accidental Damage?
No. Accidental Damage can only be purchased with Extended Warranty.
The terms will also have to be identical. The trick to remembering this is that both have to end the same date.

5. When does the Accidental damage element of the policy start?
Accidental Damage, if purchased will start on the day the product is taken.
Unlike the extended warranty which starts after the manufactures warranty.

6. What legal form does the "The Policy" come in?
For the sake of the highest standard of the services rendered, the DID cover comes in the form of an insurance, which provides greater benefits than those under ordinary manufacturer warranty and which additionally guarantees:

✔ No grace period.

✔ No excess clause.

✔ No depreciation of the parts.

 No consumption of the sum insured.

The policy is concluded, with the participation of DID, between you and the insurance company.

The Extended Warranty Insurance cover is underwritten by AIG Europe Limited. AIG Europe Limited is authorised and regulated by the Financial Services Authority of the United Kingdom, and is regulated by the Central Bank of Ireland for conduct of business rules.

7. When is the appliance replaced with a new one?
The appliance is replaced with a new one in the case when its repair is impracticable or uneconomic. The decision to replace the appliance with a new one is made by the AIG claims handler.

8. What appliance is the defective one replaced with when its repair is impracticable or uneconomic?
If we consider the appliance to be beyond economic repair, we will, at our option
A. Replace it with one of the nearest possible specifications up to the value of the original purchase price; or
B. If such an appliance is not available, offer you D.I.D Electrical store vouchers up to the value of the original purchase price.

9. What happens to the "The Policy” in the case of selling or giving the appliance as a present?
The insurance policy passes every single time onto the holder of the appliance: it is sufficient to pass the insurance document along with the appliance. The new owner of the appliance becomes entitled to report a claim under the insurance policy.

10. What is not covered?
The policy provides you with a wide range of coverage so that you can fully enjoy your new appliance. There are, however, situations which cannot be covered.
x Replacement of consumable items, for example batteries, chargers, fuses or lamps,
x Consequential ordinary wear and tear, corrosion, aesthetic changes that do not affect the proper operation of the appliance;
x Repairs performed outside of the network of service centers indicated by the Claims Authorisation Centre.
x Gross negligence or willful damage, for example resulting from frustration;
x Not complying with the appliance operating instructions;
x External causes, such as fire, theft, computer virus, or failures caused by a faulty connections, for example to the gas network.

11. What happens to the Policy in the event of an appliance’s replacement under the manufacturer’s guarantee?
In case of replacement of the appliance through D.I.D, You should advise DID Electircal who will notify AIG Claims Authorisation Centre who has the plan amended to reflect the new start and end date of the plan.

12. What happens to the "The Policy" in case of the appliance’s replacement with a new one in the process of handling the claim?
In case of the appliance’s replacement with a new one in the process of handling the claim the "D.I.D. TOTAL Protection" the insurance expires (the Insurer’s liability comes to an end).

13. Can I cancel the "DID TOTAL Protection" Insurance?
If this cover does not meet your needs you can cancel this policy in the first year of purchase by returning to the store where you purchased this policy and surrendering the original Certificate of Insurance. Any cancellation requested during this period will be refunded at 100% of the premium paid.

14. In case of defrosting the food in the refrigerator as a result of its breakdown/failure, do I need to have a confirmation of the value of the products, such as a receipt?
It is not necessary to prove, for example with a receipt, the value of food products, which have undergone defrosting as a result of a breakdown/failure to the covered freezer or fridge-freezer. The reimbursement is made based on the declaration made by the person reporting the claim as upon verification of the service centre making the repair. We would ask the claimant if receipts are not available to take pictures of the spoilt food.

15. What does accidental damage term mean and what kind of events falls under this term?
Accidental damage – means accidental physical breakage, or failure of your appliance due to an unforeseen and unintentional event (e.g. dropping it, or liquid contact) which causes physical damage to the appliance, which affects its functionality

16. Can I renew my policy when it expires?
The policy cannot be renewed when it expires.

17. Who carries out the repairs on my appliance?
An approved repairer appointed by AIG claims handler will carry out the repair

18. How long can I expect to wait before I get a call for an appointment?
An approved repairer will contact you within 3-5 days of registering your call in which an engineer will contact you the day before and the morning of the call out

20. Who do I call when I need to report a fault and what do I need to have.
To report a fault please call our AIG branch in Dublin on 1850 211 507. You will be asked to quote your policy number which can be found on your service plan.

21. What If I wish to make a complaint?
AIG Europe Limited wants to give you the best possible service. If you feel you have cause for complaint, you should contact the Personal Lines Manager at AIG Europe Limited, Ireland Branch.If after such contact you remain dissatisfied, you may also write to the Customer Complaints Officer at AIG Europe Limited, AIG House, Merrion Road, Dublin 4. Phone 01 208 1400. If the complaint is not resolved to your satisfaction, you should write to the General Manager, AIG Europe Limited, AIG House, Merrion Road, Dublin 4.

 

Full AIG Certificate of Insurance Terms and Conditions

The Extended Warranty Insurance cover is underwritten by AIG Europe Limited. AIG Europe Limited is authorised and regulated by the Financial Services Authority of the United Kingdom, and is regulated by the Central Bank of Ireland for conduct of business rules.
Extended Warranty insurance is provided by Home Appliances T/A D.I.D Electrical.

Under this policy, AIG Europe Limited ("we, our") agrees to insure the policyholder ("you", "your") according to the terms and conditions contained in this policy, subject to you paying the premium and complying with the conditions of this policy.

This is a summary of your extended warranty insurance policy. It is a contract of insurance between you the policyholder and AIG Europe Limited and is made up of this schedule, Certificate of Insurance and Master Policy. Your insurance cover is based on the information you gave us or the information that was given on your behalf when you applied for the insurance.

You must check this information carefully and let us know immediately if any part of the information is wrong. Your schedule will indicate which cover option you have selected. You should read this schedule and Certificate of Insurance to make sure they give you the cover you want. Words written in bold have special meanings, these meanings are explained in the definitions section of the Certificate of Insurance below:

Product Eligibility
You can buy this extended warranty insurance on the day of purchase of an eligible appliance or within 60 days of delivery, provided that the appliance:
Is purchased new from D.I.D Electrical;
Has a manufacturer’s guarantee valid in the Republic of Ireland;
and
Is intended for domestic and personal use. Office products (i.e. computers) are covered for bother domestic and office use.

Policy Term
The policy term is from the plan start date to the plan expiry date only (unless cancelled earlier) following the expiration of the manufacturer guarantee, as stated on the schedule above.

Geographical Limits of Cover
The policy is only valid in the Republic of Ireland. 

Definitions/ Meanings of the words used in your policy
We use certain words in this policy which have a specific meaning. They have this specific meaning wherever they appear in the schedule and Certificate of Insurance, and are shown in bold print.

Accidental damage — means accidental physical breakage, or failure of your appliance due to an unforeseen and unintentional event (e.g. dropping it, or liquid contact) which causes physical damage to the appliance, which affects its functionality. This does not include damage caused by any of the events set out in the Policy Exclusions.

Appliance - means the appliance identified by the product appliance code shown on the schedule as well as the original accessories supplied in the same box. The appliance must have been purchased by you from D.I.D Electrical in the Republic of Ireland no more than 60 days before the date you purchase this policy or, where legal ownership of the appliance has been transferred to you, the policy must have been transferred to you in accordance with the terms of this policy.

Endorsement – means any terms and conditions additional to this policy and specified on your schedule.

Government Levy – the following duty/levies apply:

(a)       Irish Stamp Duty €l per non-life insurance contract;

(a)       Government Levy (3% on non-Life insurance); and

(b)       Insurance Compensation Fund (IFC) Levy (2% of insurance premiums)

Please note that these rates are subject to change.

Material fact(s) — means any fact, information or change in circumstances which could have a bearing on our acceptance of your cover or which may increase the possibility of mechanical breakdown covered by your policy of insurance.
Policy - means this insurance document setting out the terms and conditions, which, in connection with the Certificate of Insurance you were sent when you purchased the Appliance, forms your legal contract of insurance with us.
Policyholder – means the person(s) named on the schedule attached to and forming part of this policy.
Premium – means the amount you agree to pay us in return for the entitlements and benefits under this policy. Your premium is shown on your schedule and will include any applicable government levy.
Retailer – D.I.D Electrical who sell this policy on our behalf.
Schedule – means the schedule issued to you with this Certificate of Insurance and any endorsement attaching to it.
You, Your, - means the person(s) who purchased this policy and who is named on the schedule attached to and forming part of this policy and any person to whom the policy is transferred in accordance with the terms of this policy.
We, us, our, - AIG Europe Limited and any agents appointed by us.

What is Covered
Breakdown: Subject to you, paying the applicable insurance premium, we will (subject to the terms, conditions and exclusions described below) repair the appliance as soon as reasonably possible, using new or refurbished parts that are equivalent to new in performance and reliability, to normal operating condition after it has suffered a covered failure (due to a defect in material or workmanship) during normal use. This includes the cost of labour, parts and any call-out charge necessary to repair the appliance subject to the exclusions listed below.

If the repairs to the appliance are covered by a repair guarantee, we reserve the right to refer you to the original; repairer and you will not be entitled to recover from us under this policy.

If we consider the appliance to be beyond economic repair, we will, at our option:

(a)       Replace it with one of the nearest possible specifications up to the value of the original purchase price; or

(b)       If such appliance is not available, offer you D.I.D Electrical store vouchers up to the value of the original purchase price.

If your appliance is replaced, this policy will end immediately with no refund. The original defective appliance will become our property.

Accidental Damage:  We will also indemnify you against the cost of accidental damage resulting in breakdown of the appliance, subject to the terms and conditions shown below, provided that you have paid the premium for this cover and it is noted on the schedule. The appliance must be in the possession of the policyholder at the time of the accidental damage resulting in breakdown of the appliance.

Food Spoilage: In the event of a mechanical or electrical component failure of a fridge-freezer or freezer to which the is policy applies, we will reimburse you up to a maximum of €400 per claim to replace spoilt frozen food, provided you notify us immediately of the claim so that the spoilage can be verified and inspected within 2 working days by our authorised repairer.

Transferable Cover: If you sell or give away the appliance named on the schedule, you can transfer the benefits of the remaining period of this policy to the new owner at no charge provided the new owner is a resident of the Republic of Ireland and at least 21 years of age. Simply contact your D.I.D. Electrical store who will inform AIG of the change.

 

Policy Exclusions – What Is Not Covered
Breakdown of the appliance due to:

Failure to follow the manufacturer’s instructions, installation guide or operating the appliance outside the intended uses specified by the manufacturer;
Any external cause such as computer virus, fire, theft, or weather, or faults in any electrical supply/ connection or plumbing;
Neglect, abuse or misuse (this means taking reasonable care to ensure damage is not caused to the appliance by you);
Accidental damage, unless the premium has been paid for this cover and it is specified on the schedule.
Accidental damage of any kind caused by third parties including during delivery of the appliance.

 

This Insurance Policy Does Not Cover:
Business or commercial use excepting office products such as telephones, fax machines and computers which are designed for home and office use;

Replacing consumable items such as batteries (including laptop batteries), chargers, fuses, filters, lamps, vacuum cleaner belts, or bags and printer cartridges;
Repairing or replacing any computer software or virus prevention/detection or external accessories;
Repairing cosmetic damage where the function of the appliance is unaffected such as dents, scratches, discolouration or rust;
Loss of use of the appliance or any consequential loss (except for food spoilage in a fridge-freezer or freezer) or any amount you can recover under another service plan or insurance policy;
Routine maintenance, servicing, cleaning, lubrication, or adjustments;
Costs where no fault is found with the appliance;
Reception or transmission problems resulting from external causes;
Defects caused by normal wear and tear and/or usage of the appliance.
In the event of an appliance recall by the manufacturer, we reserve the right to refer you to any helpline or other customer service provided by the manufacturer in respect of such recall. In the event that the manufacturer in such circumstances replaces the defective appliance, repairs it, or offers compensation in respect of same; then you will not be entitled to recover from us under this insurance policy.

Maximum Payable
The maximum amount payable in respect of any one claim shall not exceed the purchase price of the appliance as set out in the schedule. The maximum amount payable in respect of any one claim for frozen food spoilage is €400.

How To Claim In The Event Of A Breakdown
If the Appliance does not work:

Check the handbook to ensure the controls are properly set and check the fuse in the plug.
Check you are covered under the terms of this policy.
Contact the D.I.D. Electrical Service Plan Helpline on 1850 211 507 within 5 days of the failure for appropriate repair arrangements to be made immediately for frozen food claims. You must give us any information or help that we ask for including providing information about the symptoms and causes of the damage caused to the appliance. You will be advised as to whether repairs can be provided on an in-home or carry-in basis.

Our approved repairer must carry out repairs.

Your Certificate of Insurance or original sales receipt must be presented to the repairer.

If the breakdown is not covered by this policy, you will be charged for the cost of the repair, including transit (where applicable).

 

Cancellation
If this cover does not meet your needs you can cancel this policy in the first year of purchase by returning to the store where you purchased this policy and surrendering the original Certificate of Insurance. Any cancellation requested during this period will be refunded at 100% of the premium paid.

We may cancel this policy by giving 14 days’ notice in writing to your last known address and providing you with a proportional refund based on the number of full months remaining on the policy term.

In the event of fraud, attempted fraud or non-disclosure of any material fact or change to a material fact that affect this policy, this policy will be cancelled and no refund will be due to you, any claim will be declined and you will forfeit all entitlements and benefits under this policy.

 

General Policy Conditions
You must be a resident of the Republic of Ireland and at least 21 years of age.

Unless we have agreed otherwise with you, Irish Law will govern this policy.
This policy may only be altered, varied or its conditions relaxed, or premium changed by one of our authorised officials, giving you 60 days’ notice in writing to your last known address.

Any dispute regarding the terms of this policy including any question regarding its existence, validity or termination will be referred to and resolved by arbitration in the Republic of Ireland by a single arbitrator to be agreed upon by the parties or where agreement is not reached, to be nominated by the President for the time being of the Law Society of Ireland.

The observance by you of the terms, conditions and endorsements of this policy as far as they relate to anything to be done or compiled with by you will be a condition precedent to any liability by us.

We reserve the right to vary, modify or otherwise amend the terms and conditions stated herein.

You should read the above carefully as it is necessary to comply with the conditions of this policy. Failure to abide by the conditions of this policy, may invalidate your claim.

 

Governing Law
This policy is governed by the laws of the Republic of Ireland and any dispute arising from its interpretation will be subject to the exclusive jurisdiction of the Courts of the Republic of Ireland.

 

Insurance Act 1936
All monies which become or may become payable to us under this policy shall in accordance with Section 93 of the Insurance Act 1936 be payable and paid in the Republic of Ireland.

 

Stamp Duties Consolidation Act 1999
The appropriate Stamp Duty has been or will be paid by the Insurer to the Revenue Commissioners in accordance with the provisions of Section 5 of the Stamp Duties Consolidation Act, 1999, as amended.

 

How We Use Personal Information
AIG Europe Limited is committed to protecting the privacy of customers, claimants and other business contacts. “Personal Information” identifies and relates to you or other individuals (e.g. your dependants). By providing Personal Information you give permission for its use as described below. If you provide Personal Information you give permission for us to use as described below. If you provide Personal Information about another individual, you confirm that you are authorised to provide it for use as described below.

Depending on our relationship with you, Personal Information collected may include: identification and contact information, payment card and bank account, credit reference and scoring information, sensitive information about health or medical condition, driving pattern information obtained from telematic devices in customer vehicles (where customers have consented), and other Personal Information provided by you. Personal Information may be used for the following purposes:

Insurance administration, e.g. communications, claims processing and payment Decision-making on provision of insurance cover and payment plan eligibility

Assistance and advice on medical and travel matters. Management and audit of our business operations. Prevention, detection and investigation of crime, e.g. fraud and money laundering. Establishment and defence of legal rights. Legal and regulatory compliance, including compliance with laws outside your country of residence. Monitoring and recording of telephone calls for quality, training and security purposes. Marketing, market research and analysis.

To opt-out of marketing communications contact us by e-mail at: Postmaster.ie@aig.com or by writing to: Customer Service Team, AIG Europe limited, Ireland Branch, AIG House, Merrion Road, Dublin 4. If you opt-out we may still send you other important communications, e.g. communications relating to administration of your insurance policy or claim.

 

Sharing of Personal Information
For the above purposes Personal Information may be shared with our group companies, brokers and other distribution parties, insurers and reinsurers, credit reference agencies, healthcare professionals and other service providers. Personal Information will be shared with other third parties (government authorities) if required by law. Personal information (including details of injuries) may be recorded on claims registers (i.e. Insurance Link, and Claims and Underwriting Exchange (CUE)), and shared with other insurers. We may search these registers to detect and prevent fraud. Details on how Insurance Link operates can be found at http://info.insurancelink.ie and CUE at http://www.insurancedatabases.co.uk. Personal Information may also be shared with prospective purchasers and purchasers and transferred upon a sale of or transfer of business assets.

 

International Transfer
Due to the global nature of our business Personal Information may be transferred to parties located in other countries, including the United States and other countries with different data protection laws than in your country of residence.

 

Requests or Questions
To request access or correct inaccurate Personal Information, or to request the deletion or suppression of Personal Information, or object to its use, please e-mail: postmaster.ie@aig.com or write to Data Protection Officer, AIG Europe Limited, Ireland Branch, AIG House, Merrion Road, Dublin 4. More details about our use of Personal Information can be found in our full Privacy Policy at www.aig.ie or you may request a copy using the contact details above.

 

Complaints Procedure / Caring for Our Customers
AIG Europe Limited wants to give you the best possible service. If you feel you have cause for complaint, you should contact the Personal Lines Manager at AIG Europe, Ireland Branch. If after such contact you remain dissatisfied, you may also write to the Customer Complaints Officer at AIG Europe Limited, AIG House, Merrion Road, Dublin 4. Phone 01 208 1400.

If your complaint is not resolved to your satisfaction, you should write to the General Manager, AIG Europe Limited, AIG House, Merrion Road, Dublin 4.

At any stage, you may contact the following:

a)         The Insurance Federation, Insurance House, 39 Molesworth St., Dublin 2. Phone 01-6761820. Fax: 01-6761943. Email: fed@iif.ie

b)        The Central Bank of Ireland, P.O. Box 559, Dame Street, Dublin 2. Phone: 1890-777-777. Fax: 01-671-6561. Email: enquiries@centralbank.ie

c)         The Financial Services Ombudsman’s Bureau, 3rd. Floor, Lincoln Place, Dublin 2. Lo Call: 1890-882-090. Phone: 01-662-0899. Fax: 01-662-0890. Email: enquiries@financialombudsman.ie

Your right to take legal action is not affected by following any of the above procedures. 

This insurance is underwritten by AIG Europe Limited. Registered in England and Wales. Company number: 01486260. Registered office: The AIG Building, 58 Fenchurch Street, London EC3M4AB, United Kingdom, AIG Europe Limited, Ireland Branch, registered branch office AIG House, Merrion Road, Dublin 4, Ireland. Branch registration number 906664. Tell +353 1 208 1400. AIG Europe Limited is authorised and regulated by the Financial Services Authority of the United Kingdom, and is regulated by the Central Bank of Ireland for conduct of business rules. Policy Document v.1.022013 0 AIG Europe Limited (2012) All Rights Reserved.