Hearing Aid Warranty Cover & Insurance: What is the difference?

Hearing Aid Warranty Cover

Why cover your hearing aids?

Hearing aids are easily lost, misplaced or damaged and typically are one of the most expensive personal possessions an individual can own. Whilst some people are able to get their digital hearing aids covered under their household insurance, many insurance companies these days either don’t offer this or can charge a hefty premium to do so.

Some people are also concerned that they may lose their no-claims discount on their household insurance should they need to make a claim.  Here, at Hearing Aid UK, we offer a hearing aid warranty. Below you can see if a warranty for your hearing aid could be a better option when compared with an example of hearing aid insurance.

*Please note that the figures quoted are estimates and are subject to change.  Always check with your insurance company or agent for specific prices and terms.

Our Hearing Aid Replacement Warranty

What is our policy?

We provide a comprehensive replacement warranty for just £80 per hearing aid per year. This is a fixed fee and is the same for all makes and models. If your hearing aid is lost, stolen or damaged beyond repair we will replace it with a new one of exactly the same make and model.

Unlike insurance policies, we take no account of risk demographics such as postcode, claims history or hearing aid value when calculating the premium. If you make a claim then your premium does not go up. We also don’t share your claims information with anyone. If you make a claim then this will not affect any insurance policies that you may have.

 Here is a breakdown of our hearing aid warranty policy:

• Replacement warranty premium is payable annually in advance and is only £80 per hearing aid per year.
• It applies to new hearing aids that are less than one year old and the maximum period we will cover hearing aids for is five years.
• In the event of you making a claim, you would pay the excess and we would then dispatch the replacement hearing aid to you by post, usually within 10 working days.
• The replacement aid would require a new policy if you wanted to cover your new aid.

Hearing aid warranty vs hearing aid insurance - What's the difference?

You might have recently lost your hearing aids whilst taking off your mask - you aren't the only one. You might have also realised that your hearing aids aren't insured on your home insurance and ultimately have to pay out for new devices. At Hearing Aid UK, we have a hearing aid cover solution that's right for you.

It is commonly assumed that both warranty and insurance are the same things when in fact they are services that can cover different and individual fields.  Either way, getting some form of cover for your hearing aids is essential.  They are unfortunately commonly damaged, misplaced or lost.  Other than the obvious they are also one of the costliest possessions one can own, so a cover is paramount when purchasing devices such as these.

It is important to remember that although some insurance companies cover hearing aids under household insurance most don't.  Or if they do, they will probably charge a large premium to do so.  People are often put off claiming, due to issues regarding potentially losing their no claims discount on their existing household insurance if they do claim.

Hearing aid replacement warranty

A replacement warranty for hearing aids is a cover that guarantees the products you have invested in are completely free of any defects. The hearing aid manufacturers we work with are of high technology and reliability but in the unlikely event that they do – you will receive a replacement. This choice also covers any accidental damage, theft or if you misplace your hearing aids and regardless of claim - your premium rate stays fixed.

The replacement warranty does not cover any problems as a result of consumer negligence or the natural wear and tear of the hearing aids.  For example, this could be battery changes or tubing replacements.  So, in simple terms replacement warranty will cover any malfunctions that have occurred outside of your control.

Warranty replacement excess varies according to brand and model, but the premium remains the same whatever make or model and stays low, regardless of your circumstances.

Hearing aid insurance

Hearing aid insurance will help you cover the cost of damage, theft or loss. Unlike a replacement warranty, an insurance policy is likely to not cover problems due to mechanical or equipment malfunctions.

Like with most insurance policies, regardless of the cause for the claim, your premium will increase - and that will be dependent on the make and model of your hearing aids.  To gain full clarity of the terms and conditions of your claim and how it can affect your premium, you should always ask the insurance provider you have chosen to cover with.

Need more support with a hearing aid warranty coverage?

Call us free on 0800 567 7621 to get more information regarding our hearing aid warranty or if you need further assistance filling out the warranty form.

*Quotes are all subject to change - please check with your insurance provider for T & C specifications.