Ever received unexpected calls telling you that cover for your washing machine, oven, dishwasher or other home appliance cover is due for renewal?
We’re looking to hear from anyone who’s been cold called and offered ‘home appliance insurance’.
Maybe you’ve given away your payment details over the phone, thinking the caller was from your existing insurance company, but later found out it was someone else?
Unfortunately this is a scam that seems to be plaguing lots of you at the moment, and is particularly targeting the elderly.
While there are legitimate insurers who will cover your household appliances if they breakdown, we’ve been investigating reports that some are fraudulently taking people’s money.
Our Scam Watch reporter Faye Lipson also looked into these calls a couple of years ago, but our inbox has recently received a huge surge in reports.
Misleading and aggressive sales tactics
We’ve been told about various ways these companies are pressuring and misleading people into handing over their bank details.
Most commonly, they’ll pretend you already have a policy with them and offer to renew it for a cheaper price. Some people who do have appliance warranties are often caught out by this.
They’ll then sign you up for pricey monthly direct debits for services that probably don’t even exist.
Others just go straight in for the hard sell, often calling dozens of times a day, offering increasingly ‘better’ deals.
Most people probably don’t even need appliance breakdown cover, as many common appliance issues are covered by home contents insurance.
Shockingly, some callers even claim you owe hundreds of pounds for a policy you apparently signed up for years ago, but never paid for.
And they’ve been known to call back several times a day, threatening legal action and visits from debt collectors if you refuse to pay up.
But the threats are hollow. These companies have absolutely no right to take money from you. The calls are best ignored and reported.
Tell us your story
We want more to be done to stop these scammers being able to freely contact vulnerable people.
We’re looking to gather as many stories together as possible from people who’ve been affected to support this.
Are you regularly pestered by cold callers from these companies? Have you been persuaded to hand over your payment details? Did you get your money back?
It would be really useful to hear about your experiences for our research – just tell us what happened to you in the comments section below.
If you’d rather contact us anonymously, you can can also get in touch at firstname.lastname@example.org.