Oh I have to vent about this!!
I have a cell phone that I bought less than a year ago. At the time I took out 'Suare Trade Warranty'.
Well I pull the phone out of my pocket this afternoon and the screen on the front has spontaneously cracked and broken. The phone still works.
I don't want to make this a long saga but the company that makes the phone (and who gives a year warranty) tells me that 'any physical damage automatically voids the warranty' (a catch 22 if I ever heard one); the secondary insurance that I bought says 'physical damage is not included in the warranty'.