I have completed this insurance for my Samsung Galaxy Note 3 (price 608).
And what happened? 2 weeks of purchase I noticed the phone on the floor and the screen was broken.
I Ergo contacted via email and the answer came few hours later. My faulty mobile phone is picked up by UPS
and then sent back to the repaired state back to me. Everything went totally uncomplicated and
absolutely satisfactory (I think again my intact cell phone in your hands).
A repair of the display would otherwise cost more than 200.
I recommend to all who pick up an expensive smartphone, this insurance !!