when we're talking about the negligence factor, obviously the insurance doesn't cover the negligence of  of a repairer, erm any faults inherent at the time of purchase are obviously not our responsibility and i don't think any reasonable person would expect us to cover that because obviously we're  we're in insurance, we're not taking on risks already, we're taking on a risk of mechanical failure of items after they're sold, not obviously before they're sold.