Severity score

How to assess an insurance policy that you actually concludes with the hope that they are not needed?
In addition, a further question: If you could ever define a device, the manufacturer does not even trust on the way by giving a 2-year warranty?
Anyway. The conditions are kept relatively manageable. The procedure in case of damage determines the insurance (state) and for a claim in the 3rd year are still 80% of the acquisition value taken as market value. In this constellation, the value for money is not bad. Whether it is worthwhile to take out longer insurance period, everyone has to work out itself, depending on the type of equipment and the purchase price. Up to 4 years old devices still have a value of 60%, even older devices 40%.
How do I rate now? Nice that there is such a thing, the already mentioned cost factor and the design of the policy conditions give 3 stars. The other two stars ERGO must first work out yet - and it is probably all sides prefer it if it remains in the 3 stars, that is, if the insured event does not occur.