there manager also asked why I was'nt interested in the insurance, my reply was it's a rip off
Course it's a rip off.
Aside from an EU directive having been in place for the last 10 years that says the retailer has to give you 2 years minimum warranty, there are also several trading standards acts that give you up to 6 years if you apply them correctly.
The only time I will ever consider taking out the extra insurance is if it offers something extra that the law doesn't, eg, loan set while mine is being repaired.
Thats only for a manufacturing defect
While the various acts are subjective, they are quite clear in one thing, and that is the consumer is entitled to expect the product to last for a reasonable amount of time.
What a "reasonable" time span is would of course be up to a judge to decide if it got that far, but as an example......while it would be unreasonable to expect a battery to last (say) 4 years, it would be more than reasonable to expect a television set to last the same amount of time (and possibly longer) before failing for any reason.
wrt to SoG '79 act, thats the problem - its too open to interpretation, and all too often (due to past cases)
tends to go in favour of the
Retailer. Sad, but true. And with UK law, the manufacturer (who should be the one going to court) has nothing to do with the court process, save state their engineers/manufacturers/designers have looked at the item and say its NOT a manufacturing defect (which is all the 6yr thing covers). Additionally, at any point, even if it is a manufacturing defect, you are only entitled to a partial refund.
AFAIK, the EU law about 2yr warranties is not get UK law (though should be soon I understand), and, again AFAIK, no test cases have successfully enforced it here to make it law.
Your best hope is that the Retailer bottles it when the SCC papers are passed to it, and settles out of court.