Well if it's the same cover that they use at Curry's then it's actualy quite good.
They will only replace the item if they cannot repair it (due to it being fucked or not being able to source parts) after 21 days from the initial pick up.
You should also be covered for accidental damage anywhere in the world and any problem that may arise on the laptop. To say that all that for £6-7 a month is overpriced is bs.
If you need to make a claim that they cannot sort out over the phone it should be picked up from you within 2 working days, fixed and sent back to you within a 21 day period.
Put it this way, you drop your laptop and the screen smashes, it will cost about £500-800 to get it fixed with new genuine parts and fitted proffesionaly. So I can't see how anyone can justify calling £7 (depends on what item etc and obv some people pay for 3 or 5 years upfront) a month over priced.
Ok they may not give you a loan laptop (who does?) or suck your dick but it is by no means as bad as people who don't know what they're talking about make out.
Sure you get some extreme f**k ups and there the one's you hear about, you also get very pleased people from the extendend cover