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Guys, apple themselves call it insurance on their website in Germany. I sent you the link! What else is there to discuss?;)
This is macrumors forum. Only thing required to discuss here is opinion and rumors. Actual facts, definitions and verifiable evidence are normally not accepted. Please continue with insurance debate.

This has been an unsolicited opinion not based on facts brought to you by macrumors member for no particular reason.
 
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