insurance world?

I have now read several reviews after which the Versicherungsschitz (theft) should apply only in Germany and Austria. After a closer reading of the Insurance Conditions Ber applies worldwide (szeht so literally indoors). Only do you get the money only in Germany and Austria paid ...
The other critical points of exclusions I find quite ok. Already clear that insurance will not pay if you leave the camera just lying around. To gaze a bit dauf you indeed despite insurance. Or which one of you goes up a tree just because he has full insurance?

Anyway, I'll buy an insurance cover. If the contract is something else than in the Terms and Conditions I will contact you again!