You have hammered your plastic pals and are in possession of a small mountain of tat.

Shopping for luxury goods is a mug’s game. Why buy at full price when the January and mid-summer sales sell the same thigns for much less?

Among your haul are electronic goods - DVDs, computer games, add-ons for computers and lap-tops.

These are valuable goods that need to be taken care of. So, when the shops assistant offered you insurance on your lavish purchases, you began to think.

You are not the only one being tempted to buy insurance. Thousands and thousands of warranties are sold on goods. And the news is that most of them are not worth the money.

To begin with, most goods bought are covered by household insurance. You have already insured these new goods. To pay again is madness.

The other thing to remember when confronted by a pushy commission-hungry shop worker is the price of your new gadget. If the new walkabout telephone cost you £70, is paying insurance of, say, £25 worth it? Good luck to you if you think it is.

If your new purchase does conk out after a month or so, the best course of action is to complain loud and long to the shop. Do not take no for an answer. This is not so easy with second-hand goods or private sales, so take care to check them out thoroughly before handing over money.

In any case, new stuff rarely goes wrong. Only 10% of TVs break down in the first six years and fewer than one in five washing machines needs fixing, says the Consumers' Association.
So, why buy insurance? Why? Because you left your brain at the shop door.

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