Question about "purchace protection" when you buy on line?

[JOCCO]

Yes I can be dense as a stone! But when you buy something online a box pops up for purchase protection or some such thing. You buy a hammer and protection for $3.99, It is not just one online site but many. Now how does it work and how do you use it? One usually uses a credit card and I am very aware of credit card protection. Is this similar to the old days when you bought an auto part or tool and some lifetime warrantee for $1.50? The problem was good luck collecting on it!! Thanks to all who can further explain this. And no, I opt out of it as many new items has manufactures warrantee.

 

[BarnyardEngineering]

There isn't one universal policy. You'll need to review the vendor's policy to determine what the protection plan covers. Some of them will send you a free replacement, no questions asked. Others will make you jump through hoops and send the defective item back at your own expense to "prove" that it's broken.