I dont have a lower rating than this. They dont even deserve 1 star. They always make some excuse of some policy and wont give you claim. Some thief stole my stuff. Insurance company like Coverwise will tell you they would cover you for many mishappening. But when something happens they would tell you of some 100 pages policies defined not to give you anything. Are they not worse than thief? I would say they are worse than that thief who would claim that he is a professional thief but Coverwise cant claim and they have to find policies to cheat people. I want to ask the policy makers of Coverwise how many bills they save and whether they would ask any thief before theft that DONT STEAL THIS THING AS I DONT HAVE BILL TO CLAIM. You make people fool. The worst company to have insurance with.