I have for all my kids (2) as an insurance abgeschlossen.Im spring my daughter dropped into the water her cell phone and there was within 1 week 90% of Kaufpreis.Jetzt has dropped his cell phone, my son, and the display was broken .The insurance paid in the second year, only 80% and it was extremely tedious to refund the money I get habe.Alles in all it's a decent insurance because kids like to break what kriegen.Ich have for both the new phones back a Insurance abgeschlossen.Aber but you pay a share of the damage in the form of: 1st year 10% and in the 2nd year 20% from Kaufpreis.Die namely non-refundable and it is in my eyes an impertinence in the item description to pretend you pay nothing on it.