>[December 5, 2009 Update: This post was published here almost a year ago, I can’t and won’t be responsible for any information that might have changed since then. Please DO NOT email me, I will not respond. I’m a happy Office Max shopper and NOT an agent or employee for the company. If you have any questions or problems with your warranty, speak to the weekday daytime store manager … and if they don’t help you, report them to: 1-800-283-7674.]

Someone told me that Consumer Reports shows that retail extended warranty plans are not necessary. I read over those reports and what the magazine actually says, “weigh the cost vs. benefits”.

Just bought a new High Def LCD Big Screen TV? Wasn’t it fun getting it from the store to your home or office? Wasn’t the installation easy and fast? Looking forward to going through THAT again if something breaks down? Able to spend that $2,500 or so to buy a new one? What will you do with the old one? Typical repair costs for in-home service: $400 – $800. What’s the extended warranty cost: $300. Benefits vs. cost… that’s the secret to a smart replacement or service plan purchase.

MaxAssurance (Max Assurance Replacement or Service Plans) available through Office Max… I buy ’em. Pay at the register, take it home AND FOLLOW THE INSTRUCTIONS. If you don’t understand what you’ve got yourself into… write down your questions and return to the store and ask the manager on duty about your concerns. If you decide it’s not going to cover the things you’re worried about (theft, war, etc) then CANCEL IT (see below). You CAN DO THAT, right in the store.

The Max Assurance coverage is provided by and administered by: N.E.W.

Sure, I am biased. I sell insurance so I know the need. I’ve seen the need. I buy credit life, I buy extended warranties (even on new cars). Insurance is comparatively cheap compared to the replacement or repair charges. With today’s economy, it’s hard to spend a few extra dollars when you already have a tight budget and you’re concerned about the next paycheck… thinking about a few extra dollars about something that may or not happen is harder today than it was six months ago. But do this math… it’s an “if”, but it’s still there:

“If I had to replace this item in the next 6-12 months, what would I rather pay, “$90.00? or $12.00?” If you feel lucky, good luck, move on. If the $12.00 sounds or feels better to you, then go ahead and pay now for the Max Assurance coverage. If you don’t want to mess with sending it off for repairs, waiting on a gift card to arrive by mail, or taking it back to the store, then “pass” on the MaxAssurance… it can’t pay until you do what’s necessary on your end. Like any other coverage, “it ain’t on the honor system, baby.”

My home owners insurance or auto insurance doesn’t cover any accidental damage to ANY electronic or furniture items in my car or home, just fire, theft, burglary… does yours?

One recent example in my life: I was backing away from my desk, the laptop power cord was wrapped around my chair caster (I didn’t see it) and the laptop came crashing down even though I caught the damn thing before it hit the floor… but the monitor screen cracked. I checked on Ebay and other repair sites to have it replaced. NOTE: A laptop monitor is the most expense item on the unit. I paid $2100 for it new (about 2 years ago), the monitor replacement was $1500!!!!! What the….???? In this case, I couldn’t just go buy a new laptop, this one had company approved and paid-for software on it. I had to buy it from our company. An accidental damage warranty was built into that $2100 I paid for it up front. I was in good shape, but without the laptop for about a week. No out-of-pocket costs.

Don’t feel pressure at the point of sale… if you WANT to afford it, buy the extended warranty… take the paper work home, staple receipts to the paperwork… and follow instructions (like registering online). IT’S WORTH THE TIME AND EFFORT. Again, if you don’t like the coverage, you can cancel it at anytime (see next paragraph). I’ve been getting emails from customers assuming I’m a MaxAssurance agent, I am not, so the only response I can send back is to contact the store manager at the Office Max where you bought the service or replacement plan for any help you need. I had no problems registering online and I own several of them on various Office Max items purchased over the years.


I’m NOT an OFFICE MAX or MAX ASSURANCE EMPLOYEE or agent, just a happy shopper. If you don’t want to mess with the online registration process (it only takes about 5 minutes), then register by phone… you will reach a live person. BUT, if you register by phone, you lose the bonus “30 days extra protection”, but IT’S THE SIMPLEST, FASTEST WAY to register your phone number (which is how Max Assurance/N.E.W. sets up your account)… or just save your receipt with the MaxAssurance purchase and sku number — that works, too! Even though its not many clueless people that contact me, I will no longer acknowledge emails requesting activation… Truth is, I can’t do it for you—it must be registered from your home phone number, not mine. I love Office Max, but I have other obligations than playing third party agent for them. 🙂

Register by phone, toll-free 1-866-805-9095

MaxAssurance (Max Assurance):

Cancellation: You may cancel this Contract at any time by surrendering it or providing written notice to the retailer at the address where You purchased this Contract You may also cancel this Contract by surrendering it or providing written notice to N.E.W. at the address listed above. This Contract may be canceled by You for any reason. In the event You cancel this Contract within thirty (30) days of receipt of this Contract. You shall receive a full refund of any payments made by You under this Contract. In the event You cancel this Contract after thirty (30) days of receipt of this Contract, You shall receive a pro rata refund of any amount paid based upon elapsed time less an administrative fee not to exceed ten percent (10%) of the price of this Contract or twenty-five dollars ($25), whichever is less, and less any claims that have been paid or repairs that have been made. We or N.E.W. may not cancel this Contract except for fraud, material misrepresentation or non-payment by You; or if required to do so by any regulatory authority. If We or N.E.W. cancels this Contract, You shall receive a refund of one hundred percent (100%) of the pro rata unearned portion of the Contract price less any claims which have been paid. We or N.E.W. may not cancel this Contract without providing You with written notice at least thirty (30) days prior to the effective date of cancellation. Such notice shall include the effective date of cancellation and the reason for cancellation. In Alabama, Arkansas, Hawaii, Maryland, Minnesota, Missouri, Nevada, New York, South Carolina, Washington and Wyoming:
If You cancel Your Contract within thirty (30) days of receipt of Your Contract and do not receive a refund or credit within thirty (30) days of receipt of the returned service contract, a ten percent (10%) penalty per month shall be applied to the refund.

Insurance: This is not a contract of insurance. Obligations of the Obligor under this Contract are insured under a service contract reimbursement insurance policy issued by Virginia Surety Company, Inc. In AL, AR, AK, AZ, CT, GA, IL, KY, MO, MT, NH, NC, NY, OH, TX, UT, WA, WI, and WY only: If You have filed a claim in writing under this Contract and the Obligor fails to payor provide service within sixty (60) days of filing such a claim, or if You are otherwise dissatisfied, please submit Your claim in writing and a copy of this Contract and the sales receipt for the Product to:

Virginia Surety Company, Inc., 175 West Jackson Blvd., Chicago, Illinois 60604, Attention: Service Contract Claims, 1-800-209-6206.

Follow me: TwitterFacebookYouTubeMy Twitter management toolSubscribe to Feeds