As "insurance Fritze" I can add the following notes (and the tip, the AVB download times and to read):
"Normal" wear is not insured! The insurance covers only:
Material error
Design flaw
Production error
Workshop error.
Wear is able to serve uninsured - or is it? We want to interpret times ...
the insured person may rely on the defense of "wear" to other statements in the conditions. There are - somewhat contradictory to the aforementioned insurance cases - called operational wear though, but not one that is typical of wear, added to the sample list. The list "... wear Batteries, ... Cartridges ... Damage to accessories ..." puts the lawyer in such a way that will not be called a typical case of wear (eg motor, guides, transport rollers, motherboard) and therefore "normal" wear and tear but then an insurance case.
Although the ERGO would then assess wear as an insurance damage in the end, one subject - the AVB following - but the misconception that the ERGO high either repairing (a motherboard of a printer already costs without wages 150-200) would be paid in full: point 2.4 says it made clear, then the performance should be evaluated according to the time value Season. So you buy a printer for 250, gets replaced in the 4th or 5th year after buying 150 or even 100. Perhaps - Principle of Hope - is the ERGO excess of this amount if they are self-repairing in order (so I recommend the repair to run only on the ERGO - they can even pick up ...).
So with no sense should the insurance not yet be at the end then, because some printers today productions reach such an age (my printer model year 2010 following managed all only 18-33 months - Made in the Far East is not just Made in Germany). The price of the price just ...
Damage after a few years is certainly interpreted as Kontruktionsfehler because if a manufacturer, for example, a waste ink tank (Epson) offer, which is to be replaced after 35,000 sheets of paper, then yes, this includes a statement about the durability of the device! There is then a consolation prize after more than 48 months to get even 100 - after the 3 times of the Insurance Premium.
You should look for 48 (1 year warranty) or 60 months (2 years warranty) still have a working printer, then you have bad luck in the case that you have been lucky with the device. Or is it vice versa? You have to decide ;-))