Peter

While I emphathize with you, as we've all been there at one time or
another, who actually issued the insurance policy?
Not who sold it to you but who actually is the insurer and then the
specific terms of that policy.
If the insurer was the store, then, their going out of existence,
eliminates the coverage.
If it is a 3rd party insurer, same applies.
Unless the insurer is the cell phone provider, very unlikely, they have no
obligation to you.
Similarily, all the clauses of the policies matter.

A 2nd point of your tale ought to be that knowing your insurance is far
more important than blindly purchasing it.  My wife too painfully learned
that experience when it came to extended warranties on a car.


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