Read Before concluding absolutely Conditions

Who buys a policy on direct Ergo 3 Years Warranty Extension for Office accessory equipment to EUR 99.99, should be above Be sure to read the Terms. There is to learn that it is by no means is a guarantee similar to that offered by the manufacturer and how the average consumer (at least I) awaits, but an insurance policy that only a repair or a replacement until the time laid down by Ergo value covers. Quote:

"The insurance capacity is limited to the respective value of the insured equipment The fair value is calculated as follows.:
Up to the age of the insured device of one year, the fair value is 100 percent, up to the age of two years 80 percent,
up to the age of three years, 80 per cent, up to the age of four years 60 percent, otherwise 40 per cent of the original purchase price. "

In practice, this means: For a 99 euro expensive equipment I receive event of a defect in the fifth year a maximum of just under 40 euros from insurance. That is not even enough for a repair estimate usually. So I can dispose of the appliance and buy a new one.
That's what I wanted to prevent by means of insurance. That's why I returned it and will conclude such a thing ever again.