I took re-instated which expired my cover plan because they told me it has expired.I contacted them to put in a claim to have my speakers repaired (home theatre system speakers) and they told me its only my TV that was covered I told them that I bought the TV and DVD system together why should I just take out a cover for the TV, I remember being passed from one person to another on that day so I told them to cancel the plan and please refund me with my money its been a month now and I am still waiting for me refund. For the past few weeks I have been ringing them up to find out why they havnt refunded and its one excuse after another. I rung them again today and I was told that a cheque will be send out in the next couple of days that was what I was told 2 weeks ago