Any time

I opted for insurance when buying a (high-priced) compact camera, I take this with the holiday was going to constantly worry about theft and robbery without me. Camera was stolen then at home. The settlement was wonderful - damage report, police report, letters with proof of purchase and number of criminal charges at ERGO Direkt. Insurance sum was paid quickly.

Note to the bad reviews on here: In the insurance conditions actually everything is very good at that, also that in the case of replacement by warranty, the new camera is insured or in the sinking of the camera outside a warranty and insurance case, the contract is terminated and the insurance amount is paid back. (This is of course not, if you like me taking the insurance claim. Then invalidate the contract, but you will also be informed in writing.)

Conclusion: Be careful even more on my camera in the future. The insurance I suppose but still again.