The most superfluous insurance in the world

I actually thought that I'm really protected by the direct insurance for the entire duration. But Nope.
About 6 months after the purchase occurred in me a warranty claim, the camera has been replaced. And here comes for so incredible: INSURANCE invalidate! Because insurance is only the previously registered unit. Will it be changed from warranty reasons, so one has a new device for which there is no insurance cover.
In addition, the service must be provided in Germany also. So who is abroad, must send in the camera (Post runtime eg USA to Germany about 10 days), the device is gebrüft and possibly repaired (takes about 4-6 weeks) and who still is not back then in Germany it gets then again in other countries sent back (again 10 days). So if on vacation hoping for a coverage by ERGO and the camera for good times 2.5 months may make up is well advised with this versicheurng.
Thus, ERGO expresses not only the performance but also provides the same even sure you should do nothing in the future.
I would have then the money saved merely!