The Sales staff are on commission for selling the extra cover. They will tell you half truths just so you will buy the warranty. I bought a Laptop from PCWorld about 16 months ago, the sale staff said if the Laptop goes wrong and it can not be replaced, it would be swapped for the latest model with the equivalent price. The stinkin Laptop is at the repair shop as we speak, for the 5th time since I bought it.
The first problem was Window XP home kept going blue screen (too often). The second time it overheated and burned out the motherboard and processor, which was replaced. On return I was still having over heating probs, it went away again. The "repair" report came back with no problem found! I consequently had to order a cooler pad for it from the States (see http://www.jehovahs-witness.com/6/47294/1.ashx) This did the job for a while until a couple of months ago it would turn it's self off, yep, when it got hot again! Not to mention the screen would go blank till you tilted it at the right angle. I arranged through Coverplan to have it repaired once again. I got it back 2 weeks ago, it booted up fine the first time. The second boot, I could only get it to stop on in safe mode. Like I said earlier it's being looked at once again. They called to tell me that it's having a new main-board and new RAM and have ignored my diagnostics that I think the hard drive is fault too.
Time will tell if it works OK this time it is returned!
Of the patience like a saint class selling a Laptop class!....................Anyone interested? No, No there's nothing wrong with it, ask PCworld!