The value of a vacuum cleaner 90 is deducted from the 5th year with 36 .. the premium of around 12 gives 24 spare. I have a guarantee and no assurance expected.
The probability that such a product is broken within 5 years due to wear is very high and wear damage is not covered.
To prevent misunderstandings: The conditions are obtained by ordering a withdrawal and is easily possible by mail the reversal took place without hesitation!