The richly decorated ornamental bowl from the world-famous Meissen porcelain factory is the perfect Christmas present for your parents. If only it weren't so bitterly cold! As you are leaving the shop, you slip on a frozen puddle and lose your balance. The fall leaves you unscathed, but the bowl shatters into a thousand pieces. Happily, you have Viseca purchase protection insurance, which protects your purchases for up to 30 days after the purchase date.