I got my Mini 2 from Argos and was offered the insurance,
IMHO I think you’d be better with the DJI Care, as it’s specifically designed for the drone use and only £45.
Having dealt with Argos insurance on other products before I find they can be difficult to deal with, wanting the proof of purchase and having to jump through multiple hoops.
That being said, I’ve not had any experience claiming through DJI care, but I’m sure some other members have and can give you a better opinion
I took out the DJI Refresh insurance when I bought my Mini 2 drone and recently had to avail myself of their Flyaway service when I lost my drone after inadvertently crashing into trees on the edge of a lake to the rear of my property. Because of tightly packed trees, brambles and thick mud, it was impossible to recover the drone.
Two weeks after providing flight records to DJI and making a claim (and £209 lighter - the excess required by DJI in the case of a Flyaway claim) I was in possession of a new retail boxed drone and battery from DJI Product Support in the Netherlands .
I have also been assured by DJI that the balance of my Refresh insurance has been transferred to the new drone, which means that while I cannot claim another Flyaway (you are only allowed once such claim during the twelve month period covered) I still have two options to have the drone repaired if it is damaged and can be recovered.
In conclusion, I have been happy so far with DJI’s Refresh service.
‘Flyaway’ used to mean the (impossibly rare?) situation where a drone becomes unresponsive and flies itself off into the sunset. DJI would sometimes replace the drone if the flight logs showed that that had happened (IE it was a fault with something in the machine they made. If you were commanding it to fly back, but it was flying off at max speed, clearly something was up).
Interesting that their definition of ‘flyaway’ for the purposes of DJI Care includes a drone that you crashed and weren’t able to retrieve. That’s pretty good.