Buying an Insta360 X4. Going to be used mostly outdoors traveling, MTB and motovlogging.

Seems lens damage is a common issue, and wouldn't be surprised with how many things hit my visor when I'm riding. Also seen plenty of vids where people's camera flew off the mount leading to damage.

Would you say in this case it's worth to buy the extra insurance for $120 for 2 yrs? Up to 2 claims per year, replacement not repair with $100 excess.

Note: I'm looking at the Damage protection which offers accidental damage/theft, not their extra 'Product protection' which is basically no better than CGA.

My contents insurance has an excess of $500 so doesn't seem worth it to use for the camera if anything goes wrong.