In Schoepflin v. Tender Loving Care Corp., 631 So.2d 909 (Ala. 1993), Schoepflin purchased a new car protection contract from TLC that provided for reimbursement for mechanical failure with certain excluded causes. The contract made no mention of insurance and TLC was not qualified to be in the insurance business. The Court ruled that the contract was an insurance contract because it met the definition of an insurance contract. Schoepflin, 631 So.2d at 911-12 (insurance in any form is what the cases and statutes define it to be).