Don't be fooled by the glowing reviews you'll find elsewhere from those who have only taken a policy out, look carefully for reviews from people who have actually had to make a claim, that's where this bunch of sharks fall down. Policy clearly states "Replacement value of item", but sadly that ain't the case. Second hand refurbished item offered in settlement, which is disappointing but I guess understandable, but when you've had an as-new all original iPhone XS Max stolen, a refurb using dodgy parts so the screen gets hot, doesn't respond to touch or face recognition, has 'bits' in the camera lens, has been blacklisted by Apple as a previous write-off so no longer supported (I could go on) isn't what I'd envisaged when shelling out 2x£100 premiums and a £125 excess on the claim (total £325 which is less than the value of the piece of junk they have provided in 'settlement'). Save your money, don't bother with insurance (at least, not with insurance2go), it's not worth the paper it's written on. Can't stress highly enough KEEP AWAY FROM THESE GUYS.