SquareTrade Insurance/Warranty Cover - Has any one used them?

talksr

Good afternoon MoneySavers.
I recently purchased a DSLR camera from Comet. It came with a 1 year warranty which was good, but clearly I am going to have the camera for longer. Whilst looking into extended warranties, I came across the SquareTrade warranty and accidental insurance plans which appear to be mainly marketed on Amazon and provided by Summit Insurance Services Limited.

Here is a link to an example one..
http://www.amazon.co.uk/SquareTrade-Warranty-Accident-Protection-%C2%A3500-600/dp/B00448RKDE/ref=sr_1_fkmr1_3?ie=UTF8&qid=1307880179&sr=8-3-fkmr1

It appears, for a moderately low fee, in this example, £16.33 pa for 3 years, you not only get an extended warranty, but also accidental damage insurance protection with £0 excess.

My question is: Has any one on the forum ever used this company to protect their products? I am more interested in the accidental damage part of this deal as it provides what I would deem, very useful cover for something which, in my case, I have no insurance cover on at all.

I have checked in the terms and conditions, and it says you can purchase this product and use it against products which you have not bought from Amazon, and also the cover is transferable with the product, meaning if you sell the camera (in my case), the warranty and accidental cover goes with it.
Seems pretty impressive.

vaio

seems suspiciously impressive to me, have really good read of the small print