Actually pointless

As often happens with insurance this insurance is actually meaningless: Initially sounds insurance for a all-round carefree package, but if you read the fine print and determine what insurance and what is just not insured, then it is found that the insurance basically no added value brings:
The insurance covers acc. Point 2.2 of the Terms of the cost of repairs due to operator error (Note .: What is that? Wrong key combination leads to the explosion? Damage caused by viruses are in fact just not insured!), Water / moisture damage, but without weathering (Note .: It is then not insured if it gets wet by rain, but probably only if I over it cant a glass of water. Would a third water over it tilted, then would probably engage its liability insurance!) fire, lightning, overvoltage, short circuit, induction, explosion, Implosion (Note .: The first cases are already covered in general through the home insurance and that the mobile phone exploded probably lies outside of any life experience!), drop / fall and breakage (insurance does not cover damages that do not affect the function of the insured device how particular scarring and damage to the paint and find it down a third, then accesses its liability insurance!), vandalism, material / design / production or workshop errors insofar as they are not covered by a manufacturer's warranty or statutory warranty claims ( You will probably have almost always guarantee or statutory warranty claims).
Are not insured for. B. damage such by misplacement. B. leaving behind, forget or lose. Although this is their own stupidity, but just against the one might be so often assure ... The insurance, however, is "burglary, if the device in a locked room of a building or in a non-accessible boot / glove compartment of a locked car was" what but the result is meaningless because such cases are usually covered by the insurance.
Conclusion insurance is unnecessary because most cases are covered by a home insurance or liability insurance of a third party. In other cases, the mobile phone insurance brings very little because they are usually just not covered by the insurance.