Just an opinion of many ...

Edited Version:
The offer is designed a little confusing in my opinion.
At that time I overlooked when purchasing the link to the insurance terms and conditions, as I studied the long list of non Versichten damage in retrospect, I was only aware of what I bought here.
I have bought three similar insurance from the competition offline. Camera 50 surcharge, Laptop 90 surcharge and Iphone 50 surcharge.
My camera is insured by fall, water, sand damage or scratches on the lens. The graduation is also the same, only after 2 years and then falling in value. How is it with my laptop, I do not know at the moment. And the Iphone insurance everyone knows, also insured with fall and water, unfortunately only one year three times as expensive.
I can prove this on request! I will not be put down by other members as idiots here.
And one more thing, Mr B. Wendt people who are of the opinion you would get for your money just NEN apple and an egg 's gives also sufficient. In addition, my statement at that time was: "Read and please make yourself think!"

Conclusion: You get here an extended warranty and no guarantee extension. Protection against any self-indebtedness is not granted. This was me when buying not clear today I'm smarter.

Original:
Who will drop the device while cleaning has no insurance coverage.
Here are some examples, everyone can make his own image:

2.5 No insurance cover is provided for:
Damage which is not the function of the insured
Device affect how particular scrapes
and damage to the paint,
Damages for the guarantee or warranty
Claims against the manufacturer or dealer
exist,
Damages for claims for damages against the
Manufacturer or distributor of infringement or
the absence of guaranteed properties contends
can be made,
Damage due to operational wear and tear
occur, in particular damage to the batteries,
Batteries, bulbs, UV tubes and cartridges, as well as
Damage to accessories such as filters or in particular
Vacuum cleaner bags,
Damage through improper repairs
Intervention, subsequent installations, environmental or
Upgrades or cleaning incurred,
Damage or disturbance to the insured unit, the
can be resolved by cleaning your device
(Eg pollution, congestion or calcification)
Burn-in damage to LCD / plasma TVs,
Glass breakage to ceramic hobs,
Damages not directly insured in the
Device arise (consequential)
Damages caused intentionally,
Damage to or through software, improper
Change in software, programming errors,
Computer viruses or damage to external
Data carriers,
Damage to retrofit or newly purchased,
not included in the original delivery hardware,
Damage caused by direct or indirect external
Effects occur (eg, moisture, falls and
Case loss)
the cost of rental equipment.