I'm still struggling to understand where the lack of clarity is? It's an accidental damage policy firstly, where one of the conditions included specifically addresses screen burn.
If someone launches a Wii Remote through the screen - covered. If you're moving the TV to another room and you drop it - covered. If you see image retention appear and you've followed the recommended care guidelines of the TV - covered.
This is D&G and John Lewis, not some random insurer through a shady retailer. As
@jmacc points out, if they decide to play hard ball on a legitimate claim, they and their stellar reputation would be dragged through the small claims court and the likes of Watchdog for blatant miss-selling.
There are no cases I'm aware of on here, nor did I see any cases during my 5 year career working for John Lewis/in John Lewis through an agency where an accidental damage claim was refused, bar one..... 4 years 48 weeks into the insurance period (4 weeks before the end) a brick was 'accidentally' dropped on a 65 inch top of the line TV. In that instance, it was fair to question the customer as to what a brick was doing near the TV, given the customer lived in a block of flats with no ongoing building work. Claim refused, and no argument from the customer.
As I mentioned yesterday, this discussion is going in circles. If you're not convinced that the
accidental damage insurance policy that
specifically includes screen burn/image retention would not cover either when the claim arises, that's your view. You might be right, I might be right, but going round in circles on here isn't going to resolve it. Why don't you phone D&G and ask about specific cases, or get them to put it writing.
I totally get that you want an iron clad agreement if you're about to drop £6k+ on a TV - anyone would. But there is no reason anywhere to think this wouldn't be covered.