Through recent experiences, one of the last things you want to do is to put a laptop down on a bed with a duvet or lightweight sheet or something. Once the PC has been on a while, the air intake switches on, and can suck the material towards the fan vents. I know this because of a recent experience. My bro melted the family laptop by placing it on a bed while downloading games and listening to music. The fan intake switched on and sucked in material without him noticing, resulting in bad ventilation and the overheating of the machine. I think you'll find that its not covered under most insurers if you actually tell them that you couldn't care less if it overheated, but if you tell them that it was in a well ventilated area and seemed to randomly overheat, they'll replace it, no probs. (I'm not trying to get you to commit fraud, so the easiest method is to go to the dealer, and if they won't help, go through your home insurance company under accidental damage).