This insurance is no "extension of the legal guarantee" from a sales contract but an insurance policy, the potential cost of repairs to the unit after the warranty period on proof of liability in individual cases for 3 years assumes .So: Delivery unit eg 20:01:15, the end of the legal guarantee on 19.01.2017, 20.01.2017 Insurance beginning, the end of the insurance 19.1.2020. As I have now made my experience after the purchase of the third KVA at Melitta, I thought it would be useful, such a risk insurance. The settlement of the contract and with the ERGO reliable and confidence-inspiring works. An initial repair at Melitta costs a flat rate 149.00 and is therefore covered in 80.99 for ERGO in the first case. For me, these ERGO-risk insurance increased my coffee quality of life.