I to have a 5 year warranty which I paid for as an extra when I bought a TV. A bout three months ago when we came downstairs one morning the TV which we had been watching the previous night looked as though it was full of water . The screen had developed some strange crazing overnight. When I contacted Richer sounds who I bought the TV from,
I was told I had ruined it myself by cleaning it with the wrong cleaner. Knowing that the TV has never been cleaned since we got it ( other than a dry micro fibre cloth). I disagreed with them but they wouldn't,t budge.
They were no help at all and insisted they didn't do warranty repairs on TVs that had been damaged through customers own neglect and the warranty never covered that.
They hadn't, actually been to look at the TV and wiped their hands of all responsibility.
My initial thought was I will put it on twitter and see what response I got then, unfortunately I have been ill for some months and I could do without the stress, so I just never got round to it. It appears that the first thing an insurer does is try to wriggle out of paying up. I hate companies that resort to the small print to avoid giving the service you think you are paying for.