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With all due respect if you already have insurance then why opt for additional insurance (in your own words it is a simple insurance).
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Cos one insurance is for theft and accidental damage. The second is for protection against failure of parts.
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but they should be aware of what they get covered under the same.
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Agreed. Thats why we have outlined in the article :
• What exactly is covered? Know what’s covered – and not covered – with the extended warranty you’re considering..... in addition to considering who is overwriting it. And so on.