Does anyone insure Apple products against breakdown after applecare has expired?

I have an iMac which is over 3 years old. I cant pay for any extended warranties though Apple any longer.
Does anyone know of anyone I can insure it with against hardware faliure? Its good to have the piece of mind that if the HDD fails or the LCD fails etc, not through accidental breakage which I have on my house insurance, but to cover me it just stops working one day?

There are some aftermarket service plans that can be obtained for computers now out of warranty, but in my past investigations of them I've found that the limitations on coverage and frequent hassles of obtaining reimbursement for repairs have not made such plans worthwhile. Some such plans also require that you purchase while the system is still in warranty and hence would not be available to you now (the plans from SquareTrade, for instance).
But perhaps someone else here will know of a plan that's good.
Regards.

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