Re: Not just business
My response to them selling me insurance is something along the lines of
"So you want me to bet £X/month that this (TV|PC|Toaster) will break in the next two years? If the product is really that bad why do you sell it?"
If they can work out what I've just said then they stop trying to sell it to me. Otherwise I find that repeating the word 'NO' eventually soaks in.
And in any case, the (TV|PC|Toaster) will break just after the warranty has (would have) expired.