Hello I hope you can help?......I purchased a Phillips Ambilight LCD TV from Brighthouse. I have both the imposed insurance policies and have never made a late payment. Some 8 weeks into my agreement I had a lightbulb spontaniously explode causing shards of glass to fly from the light fixture one of which has scratched the screen on my TV. I telephoned my local store and they promptly collected the TV and took it for repair for a duration of approx 6 weeks ....during this time I was given a 'loaner' replacement set which was considerably smaller and of inferior quality to my TV. Despite this I continued to make prompt payment throughout this period until my TV was returned. Opon it's return I noticed the scratch was still there and that there had been no attempt at repair......nonplussed I telephoned my store ..spoke to the manager and was curtly informed ..'we do not cover accidental damage. You can return the set but you will lose everything you have payed to date'. Can you please advise how the extortionate premiums hide behind title's like 'Damage liability Cover' ...yet refuse to do just as they state?........Can anyone advise me where I stand as I have now payed almost a third of the total price for a damaged TV .