MrsJ I know that you are insured by the credit card company when you pay over 100.00, but there is a problem, I only use my Credit card to pay for holidays or large purchases, because of the insurance, but I ALWAYS pay my credit card bill as soon as it comes through the door.
Last year I bought a washing machine it cost 465 pounds I paid by credit card, 3 weeks later I paid the credit card company, 5 weeks after receiving the washing machine the motor siezed I couldnt get any where with my complaints to the shop where I bought it, so I tried the credit card company, I was told that you are only insured as long as you owe all or part of the balance, once the dept has been paid you are no longer insured by the credit card company, I found this unbelievable and sought advice, to be told that this is the case. Once the dept has been paid you are no longer insured.
I did get a new washing machine direct from the manufacturers