Bought a Tamron 24-70 f2.8 from a reputable camera chain store here in Canada. During the purchase the salesman asked if I would like to buy the extra insurance. Asked what it entailed and he said that would cover accidents and such which Tamron does not cover. Declined the offer and he mentioned I had 15 days to purchase same from time of lens date purchase. A few days later on a shot with a friend we were talking and he asked about my purchase and if I had bought ins. When I said I had declined, he said being the klutz that I am ,maybe I should rethink.The next day I called the store and purchased same.
Fast forward a couple of months and while taking the camera of the tripod,there she went. Camera was fine but can't say the same of the lens. When I took it to the store the conversation was like this, We will send the lens for repair.They will contact you with the price for the repairs MINUS 20 PERCENT which we will pay. HUH?????
[ME] What are you talking about?[ HIM] Did you not read the contract? [ME] What contract,you never sent me one,it was all done by phone and paid it with a credit card @#!&HEAD

Walked out and the wife stayed behind and gave them permission to IT send out. Today got a phone call and was told it would cost x number to replace the part of the busted barrel. Once I said OK she quickly cut the conversation short with her heavy accented english.
Looked at the call display and it was not a Tamron repair center and the name when I tried to search it would come up empty and there was no call back number on my phone. My personal gut feeling I think my lens is somewheres in India or Pakistan being repaired in somebody's garage.
One thing I know for sure is that H----'s camera store will never see my face again after 10 years and 4 cameras , a bunch of lens including 5 primes, a shitload of filters,extra batteries,tripods, camera bags,etc.etc.etc.