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New Toy Insurance

For every kid who broke his most coveted toy within 15 minutes!
  [vote for,

As a kid, how many times have you broken a favorite toy within 15 minutes of taking it out of the box?

You know the scenario- for your birthday or Christmas morning where you hoped, dreamed, and even begged for that special toy that you always wanted. You were on your best behavior and you even did extra chores to influence your parents. Then in the midst of the excitement- SNAP, CRACK, POP, or BOOM, your favorite toy is now useless.

I know that most of us can relate to this scenario because it's happened to me a few times..even as an adult. So I propose that we have New Toy Insurance for those things that we break within the first 24 hours.

Jscotty, Oct 24 2012


       Happened to me... OK so the consolation that in a few days when the shops re-open you will be able to replace it might help. But it would be better to have the PREMIUM service where a special team of operatives with back-door-skeleton-key access to the major toy retail warehouses go straight in at 4pm on Christmas day, grab the replacement and deliver it by black helicopter to your front door before tea-time.
pocmloc, Oct 24 2012

       //I know that most of us can relate to this scenario because it's happened to me//
Your logic here is peccable.
sqeaketh the wheel, Oct 24 2012

       Sounds good to me. As long as you're teaching your children about earning money and working for a reward, might as well teach them the value of insurance.
phundug, Oct 24 2012

       Does the kid pay for the insurance? Is there lengthy paperwork involved?
DIYMatt, Oct 24 2012

       Is the claim rejected on a minor technicality?
pocmloc, Oct 24 2012

       Considering that Best Buy is now offering me "replacement insurance" for only $15 extra when I buy a $40 XBox 360 game, I'm surprised this doesn't already exist.
Alterother, Oct 24 2012

       If anyone doesn't know this, if you pay for something with an American Express card you automatically get 90 days of theft or damage protection up to $1000 (for free). You also get 1 year added to the warranty on whatever you buy. So if my shiny new toy computer breaks within the next month I can get a refund, no questions asked. Never buy an extended warranty from Best Buy.
DIYMatt, Oct 24 2012

       I never do.   

       BTW, where do you buy things with AmEx? Maybe it's just because I'm from a backwater heath where we locals are wont to avert our eyes at the sight of such a sacred artifact lest its priveleged bearer take offense at our impropriety, but right off the top of my head I can't think of any place that accepts it.
Alterother, Oct 24 2012

       //where do you buy things with AmEx?// Online, gas stations, Walmart, Target etc. You're only really screwed if you have a Mastercard.
DIYMatt, Oct 24 2012

       Interesting. The cash-free segment of our local economy virtually hangs upon MasterCard. Every day I discover something new that reminds me what a podunk state I live in.   

       Not to say that I'd willingly live anywhere else, that is.
Alterother, Oct 24 2012

       When I was working in a small town in Canada's north my co-worker suggested that I write a country song entitled "I'm a Mastercard man stuck in a Visa Town"
AusCan531, Oct 24 2012

       //The insurance money will not compensate for the tears shed on christmas morning.//   

       That's when you snatch him up by the collar on his pajamas and you tell him, "Man up and deal with it! Things break and this is an imperfect world."
Jscotty, Oct 26 2012


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