I can only awarded 5 stars for this insurance. My new iPhone 6 was ausx.x. me back pocket fell into the toilet. After notification of loss, I got a short time later a removal order and sent my phone to the company RTS. Ok, it took something that probably was due to the Christmas holidays. But after about 6 weeks I had my phone back volldtändig repaired back! Note: Of course, some do sometimes a bad experience, but that does not equal heiüen that the product is not to empfhelen. Anyway, I'm glad that I had this insurance and would not hesitate to take out again. Many thanks to Ergo-Direkt.