I can only say: Stay away from this insurance! She gave me 89.99 euros for a device of 399, - Euro gekostet.Somit a lot of money. After a waiting period of 2 months (which is always the case at completion of later), occurred unfortunately after 10 days of the claim. I have the battery of my almost new Handycam lost, which is simply dropped into the recording from the unit and was gone forever. Now announced with the Ergo-harm hotline that batteries are not insured (in the VBS) but stands wear, wear etc.. Next the insurance appoints the following is NOT insured: "damage by loss, for example, leaving behind, forget or lose.". Thus, a very very big risk is excluded in this insurance and I consider this expensive insurance than pointless !!! Because good insurance can be seen in case of damage only and was here with a favorable Internet purchasing just about 30, - Euro. Again, pay the merger of many insurance (with previously very bad reputation !!!!) here ERGO Direkt NOT! Thanks, I've now seen as a customer, that nothing has changed.
