Additional warranty is wasted

Merchants who sell electronics trying to earn extra money by selling additional warranty alongside the applicable warranty. At this insurance is substantially outweighed by the retailers and take discussion away from product defects.
When buying expensive electronics wants the seller to happen that you're mad that you are not an additional insurance. This is in addition to the product warranty obligations and provides for replacement and repair of the product after the regular warranty period has expired. As an additional selling point is the first month or even the first two months free and then you pay monthly for this guarantee. The insurance is generally terminable monthly, but in the hope that the insurance year let pass unnoticed.

Standard warranty guarantees a working product 
The retailer is required to ensure proper product to sell. This applies not only to the time of sale, but for an average expected life of the product. This involves what is customary. A laptop is possible only guaranteed for a period of one year, but after this period you can still expect the product continues to work as it should work. After four years, you probably will not appeal to the retailer for defects, because the life of the laptop in three to four years. A washing machine has a higher life expectancy. A washing machine, after four years still continue to work properly.
Is it necessary to buy extra warranty in addition to the mandatory warranty? 
The extended warranty covers in many cases self-inflicted damage caused. Here they go a step further than the standard warranty. If the amount of the monthly premium herein is not advisable to take such insurance. In some cases, the insurance value added, but the premium is too high in proportion to the risk.
The extended warranty gives retailers extra income and an escape route 
The retailers offer additional guarantee is not in interest of the client. It's an easy way to generate additional revenue. The vendors should be sent to as many of these insurance to customers to sell. It's a nice extra income for the retailer and the retailer offers an escape route to debate whether something is or is not covered under warranty. When a defect does not need to be discussion about the warranty, because it is not within the standard warranty, then the defect probably claiming the additional warranty insurance.

Why an extra insurance 
We are always looking for certainties. If an additional warranty insurance we get assurance that we will not have to pay fees to a defect. The fact that we will have a proportionately very high premium to pay plays a lesser role. The fact that the monthly insurance can be terminated is an additional incentive to the insurance. Before such insurance is close, you have for yourself some of what the added value of the insurance and under what conditions you can claim. It is likely that the insurance then you are not going to close.