Unfortunately, my new smartphone had water damage. The settlement was very straightforward, communication was excellent and the settlement of damage extremely quickly (3 days, pickup with UPS, no cost), which is why this insurance in future is a must for me. I was very pleased and got returned the purchase price, my equipment will assure the future happy again. As a newcomer I recommend every customer this insurance - there are a few more euros, but worth it, especially for expensive equipment, absolutely. Thank you to this point to ERGO Direkt!