For most things I do not take out a service ocntract, but for cameras, I do. For some reason I have never had a digital camera last more than about two and a half years without failing, and that little service contract gives me a good start on the next camera. I don't know why this is; I always keep them in cases and look after them, but they just don't seem to last.
My Pro1 failed on a trip the Far East; I think it was the humidity that got it. But when I sent it back to the insurance company, who in turn sent it on to Canon, it was declared as "beyond economic repair". I was offered vouchers to replace it - to the value of £270!
I pushed back, saying that it was worth more than that. They told me it had been matched to a Canon 860, but if I thought I could come up with a better match I should agree it with the store where I bought it, and then get the store manager to phone the insurance company.
Fine. I came up with two replacement specs, and agreed them with the store manager (who was very savvy and shocked at what the insurance company had proposed).
My first suggestion - a G9 and wide-angle accessory lens - was shot down by the insurance company. The word "accessory" made them instantly reject it.
So he went on to my second suggestion - a 400D body and Sigma 18-125mm lens. I had only put it in to show how reasonable my G9-based option was. However, the insurance company accepted it and gave me over £700 of vouchers. That paid for a 70-200mm f/4.0 L lens and a Sigma 18-200m OS.
But frankly I'd still prefer an updated version of the Pro1
regards,
/alan