I had been very deliberate, a 30 - to take expensive insurance for 2 years for a camera, the 200, - costs. If the camera has fallen and this was hurt, they will be picked up (you can also bring the DPD Shop if you do not want to wait all day on the collector), inspected and either repaired or the price (Up to 1 year after purchase 90%, 80% of the price up to 2 years after purchase) refunded. With me -peinlich, embarrassment, there were 2 times such insurance case that was easily controlled (cancel receipts!) It was worth it in any case, as I indeed already take care, but almost always with you have the camera, and yet may fall times.