Insure or not?

I habs times done in the hope that my oven does not need this insurance. What I do not like the ZBS. contact information (tel) here on Facebook for a long time part white are no longer correct, and will not be updated .Deswegen before the website a star deduction.
The cost I find a bit too high, at least for small appliances.
The telef. Customer service is also very friendly and nice that's for sure but knowledge of the matter in question for the insurance on termination or extension of leave much to be desired. Even on these points is not a lot of reading in the Terms and Conditions.

I recommend it only for large equipment of the highest class, and then only if you know with which provider you are dealing with here and makes you smart in advance about this hedge.