Most consumers are unsuspecting in this regard so they usually tell them the truth. Of course they go by what you tell them so keep this in mind. If you call and said it happened 45 days or 6 days ago they will not honor the claim.
What I mean by this if your plan has a 5 day reporting period you have to report your claim within 5 days of the incident. Keep in mind that will all these plans the damage has to have occurred within the designated time period of the plan and you must report your claim within this period. Montage does not provide a cleaning kit some companies do. Bob is right your plan is with Montage not the retailer although typically retailers facilitate claims. This plan I believe is also insured so it doesn't even matter if Montage goes out of business. The plan starts the day the plan was registered not the day you ordered your furniture. Since Montage has your records your plan was submitted. They are not cleaning services and they do not cover pet damage except bodily fluids from pets. Your coverage includes what is covered and what's not covered is not covered. As Bob said the key to these plans is read your policy. Personally I think of all the companies out there with these type of plans Montage provides the best service. You buy collision insurance on your car, but you should not expect to take your car in with scratches all up and down both sides, chipped finish from road debris, and dents in the doors from your kids running into it with their bikes in the driveway. The exclusions are there to prevent damage from getting so bad that it can't be fixed, to avoid damage that is not "sudden, accidental, unexpected, and single-occurrence" and thus make the "shared risk" affordable as a product for all and not abused by a few. All the plans have exclusions such as wear and tear, misuse damage, pet damage from "teeth, claws, and beaks," accumulated damage, and people that think they bought a five year cleaning service. Most complaints that I've read are because the consumer did not fully understand what they bought. As a business, you could send them money and get on their "good list."Īs far as reviews, I did work for a number of similar organizations. My experience with BBB accreditation is somewhat suspect, too. Once you purchase the plan, the retailer is sort of out of the process, it's between you, Montage, and the local technician. I can't tell you much about the front end of the claim process, but I did a lot of services for them and never had a problem. Before I retired, I used to service Montage claims as part of their independent technician network.
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