The Saeco, which I bought, first, the 2 + 1 warranty. So the insurance company is in the first place in the 4th year of interest, then be at a price of 1000, - just 400, - worn. That is, in a total loss of the machine they stay on 600, - sit.
Conclusion: Since this is not a replacement value insurance, I can only advise. Invest prefer the money in a higher-quality machine or in the acquisition sequence.