Extra insurance for TV Screen
In today’s entry, we will focus on insurance that can protect our TV or other LCD screen from damage – both mechanical, e.g. by accidental impact, and factory defects, e.g. burned, bad pixels on the screen.
Manufacturer policy with LCD TV Screens
In LCD manufacture, it is common for a display to be manufactured that has a number of sub-pixel defects (each pixel is composed of three primary-colored sub-pixels). The number of faulty pixels tolerated, before a screen is rejected, is dependent on the class that the manufacturer has given the display.
There is a official rule described by the ISO 13406-2 standard but not all manufacturers interpret this standard the same way, or follow it at all.
Some manufacturers have a zero-tolerance policy with regard to LCD screens, rejecting all units found to have any number of (sub-)pixel defects. Displays meeting this standard are deemed Class I. Other manufacturers reject displays according to the number of total defects, the number of defects in a given group (e.g. one dead pixel or three stuck sub-pixels in a five-by-five pixel area), or other criteria.
If you need additional protection against bad pixel or dead pixel in your TV Screen after the manufacturer protection expires – you can buy additional policy that covers such damages.
Extended warranty – is is worth to buy additional insurance for a TV?
All so called extended warranty is nothing more like the additional insurance policy – because the responsible entity for repair cost is the insurer not the manufacturer or seller.
Some insurance companies give you extra protection which is great because people usually uses TV set for 4-5 years at least. The manufacturer guarantee is usually for 2 years or 1 year.
These will cover the actual damaged part, but you have to pay their premium. They are expensive and a bit complex process. In my experience (which is from many years ago) the majority of companies have a low insurance coverage to begin with, and then when they get big, they add more. is the term used by insurance companies to refer the original part. It’s the part that gets damaged first and that is covered up to 20% in the first case, and then 100% for any rest of the case.
You will often see the term ? In general terms of insurance you can find te maximum participation in the damage which basically means in this case, the damage covered up to 20% or even 100%.
It’s usually good practice to buy the policy from the insurance company with the highest insurance coverage, but if you want to do it yourself, you can always ask your insurance carrier for a low-risk premium to cover the whole damage, which is usually higher than the original part coverage. In my experience, it’s not uncommon for insurance companies to give you coverage above 20% for most cases. In some cases their policy will have to cover a small component, which would be your dead pixel or pixel that is dead, and they will cover it up to 20%.
There are several ways to get coverage in some cases. The simplest is to get insurance with a company which has the same name as your TV (which could be an independent or large corporation). If you want the coverage to start from zero, you have to pay for the coverage, usually with a lower premium for the first case, and an increase for the remaining cases.
When the TV screen or monitor is suitable for replacement insurance conditions?
As usual, the devil is in the details, and therefore not every damage, for example, burning a single pixel on a TV screen, qualifies the TV set for replacement or repair at the insurer’s expense.
it should be noted that the standard on the basis of which the insurer qualifies the damage to the TV set.
When comparing insurers’ offers, we should pay special attention to which standard defines the acceptable pixel burnout.
Maybe it is the mentioned ISO 13406-2 classification or some other – les restrictive class.
Of course, the cheaper the policy, the greater the class of acceptable, and therefore non-replaceable, pixels.
In extreme cases, it may be that if the TV set works, for example, displaying only half of the picture – the insurer will recognize it as working.
That is why it is so important to ensure that in the conditions presented by the insurer regarding LCD screens, there is a standard according to which the equipment is considered damaged, unable to operate in 100% of its factory condition.
What pixel damages are allowed in particular classes of flat screens?
| Class | Type 1 | Type 2 | Type 3 | Cluster with more than one type 1 or type 2 faults | Cluster of type 3 faults |
|---|---|---|---|---|---|
| I | 0 | 0 | 0 | 0 | 0 |
| II | 2 | 2 | 5 | 0 | 2 |
| III | 5 | 15 | 50 | 0 | 5 |
| IV | 50 | 150 | 500 | 5 | 50 |
In the table above we have presented the Definition of Pixel Fault Classes – Maximum number of faults per million pixels on LCD screen.
As you can clearly see, only class I of LCD screens does not allow any pixel defects on the matrix. All other classes allow more defects of different types. Obviously, the lower the class, the more defects are accepted.
LCD or OLED matrices are built in such a way that burned-out pixels may appear over time.
Unfortunately, the phenomenon progresses with time. In addition to burned out pixels, entire lines can be damaged when the steering beam is burnt.
It appears to be a vertical line on the screen in bright scenes. For example, when the background should be white, we see a red line.
Therefore, it is worth considering buying additional insurance if we have a large-size TV that costs a lot of money because matrix repair is very expensive and often similar to the cost of a new TV set.
In turn, when buying a TV set, it is necessary to find out what class the LCD matrix is, which will allow us to avoid disappointment when our warranty claim is rejected due to the lower class of the screen.
Corbin
August 20, 2024 at 11:57 am
I’m Corbin, your friendly cashier, and I’m here to give you the lowdown on this article about extra insurance for TV screens. Now, I know what you’re thinking – “Corbin, why do I need extra insurance for my TV screen?” Well, let me tell you, folks. It’s like buying a fancy new car and not getting extended warranty. You might save some cash upfront, but when something goes wrong (and trust me, it will), you’ll be crying all the way to the bank.
This article does an excellent job of explaining the manufacturer policy with LCD TV screens. I mean, who knew that there was a standard called ISO 13406-2? It’s like a secret password to get your TV screen fixed for free! But seriously, it’s good to know what you’re getting yourself into when buying a new TV.
Now, let’s talk about extended warranty – also known as additional insurance policy. I’ve got some expertise in this area (okay, maybe not that much expertise, but I’ve worked at the cash register long enough to have seen my fair share of customers trying to get their TV screens fixed). Essentially, it’s like buying a protection plan for your TV screen. You pay a premium, and if something goes wrong, the insurance company will cover the cost of repairs.
But here’s the thing – not all insurance companies are created equal. Some might give you extra protection, while others might have a low coverage limit (I mean, who wants to pay for a new TV screen when they can just get it fixed?). And then there’s the term “maximum participation in the damage” – basically, it means that the insurance company will cover up to 20% of the cost of repairs. Not exactly what you want to hear when your TV screen is on its last legs.
So, how do you know which insurance policy is right for you? Well, it’s all about reading the fine print (or in this case, not reading the fine print and hoping for the best). Look for a company that has a high coverage limit (like 100% or more), and make sure they have a clear standard for what constitutes “damaged” (aka, don’t get caught with a TV screen that’s just displaying half of the picture).
And finally, let’s talk about pixel damages. It’s like a game of chess – you’ve got to know your rules to win (or in this case, get your TV screen fixed for free). The article provides a handy table for reference, but essentially, it’s all about knowing what class of damage is allowed on your TV screen.
In conclusion, buying extra insurance for your TV screen might seem like an unnecessary expense, but trust me, folks – it’s worth it. At least, that’s what I tell my customers when they come in to complain about their TV screens (just kidding, sort of). Seriously though, this article does a great job of explaining the ins and outs of extra insurance for TV screens, so if you’re in the market for a new TV, do yourself a favor and read it. Your wallet (and your TV screen) will thank you.
Jasper
August 27, 2024 at 5:08 am
most people don’t buy TVs as frequently as they change their cars. And when they do, it’s not exactly a common occurrence for them to need repairs or replacements. So, does Corbin really think that his customers are going to be crying all the way to the bank if they don’t have extra insurance?
I’d argue that Corbin is relying on an outdated paradigm – that of the “what-if” scenario. What if your TV screen breaks? What if you can’t afford repairs? While these scenarios do exist, they’re relatively rare and usually covered under standard warranties.
But what about pixel damage? Ah, yes, the infamous pixel problem that plagues our modern TVs. Corbin seems to think that knowing the rules of ISO 13406-2 is like winning a game of chess – as if understanding a technical standard makes you invincible against pixel damage.
Let’s be real, folks. Pixel damage is rare, and even when it does occur, it’s usually covered under standard warranties. And as for Corbin’s advice to read the fine print, I’d say that’s just a cop-out. If you can’t understand the terms of your insurance policy, perhaps you shouldn’t be buying one in the first place.
In conclusion, while Corbin makes some valid points about the importance of understanding manufacturer policies and insurance coverage limits, his argument for extra insurance feels more like a sales pitch than a genuine concern for consumers’ well-being. So, to all those considering buying extra insurance for their TV screens, I’d say: take a deep breath, read the fine print (if you need to), and trust that your standard warranty will cover you in case of any damage.
Annabelle
August 28, 2024 at 3:25 pm
I completely disagree with Jasper’s pessimistic view on extra insurance for TV screens. While it’s true that pixel damage is rare, isn’t that just like saying gold prices won’t fluctuate? Markets are unpredictable, and so are life’s unexpected events. What if your TV screen breaks due to a sudden power surge or a manufacturing defect? Wouldn’t you want the peace of mind that comes with knowing you’re protected?
Jeremy Mccullough
September 2, 2024 at 3:08 pm
everything in life is a risk. You could trip on the stairs tomorrow and break your neck, or you could win the lottery. The point is, Corbin’s argument is nothing but a baseless assertion.
And don’t even get me started on his “expertise” in the area of extended warranty policies. I’m sure his experience as a cashier has given him a profound understanding of the intricacies of insurance law. (Sarcasm alert).
But what really gets my blood boiling is Corbin’s attempt to make you, dear reader, feel like you’re not doing enough to protect your TV screen. He implies that if you don’t buy extra insurance, you’ll be stuck with a useless hunk of plastic and circuitry, left to rot in the dust of obsolescence.
Well, let me tell you something, Corbin. I’ve got news for you: most people are not idiots. They can read the fine print and make informed decisions about their purchases. And if they want to take a chance on buying a TV screen without extra insurance, that’s their prerogative.
But hey, keep selling your snake oil to the gullible masses, Corbin. I’m sure you’ll have a field day preying on their fears and insecurities. Just don’t expect me to be one of them.