My problem with the product protection plans is this. I'm buying a new piece of merchandise, if it breaks because of manufacturer's defect, it should be fixed or replaced free. Why should I have to purchase insurance? To date, not one of these store "Associates" has been able to answer the question. I've also had opportunity to take back a TV and a CD burner. They've tried the scam about no insurance and I had the Manager paged to the Complaint/ Returns counter where, in front of a long line of customers, got him to acquiesce and exchange my products. Even got an upgrade on the burner. They don't like to be put on the spot in front of customers and they don't like the line being held up and increased. Play to those to facts and you'll usually win. Just keep cool, don't threaten and have your game plan before you go in, and don't take No for an answer.