This insurance is Rubbish! I lost my phone a few month ago while travelling abroad and I have provided them with loads of document which is fair enough but still they are asking for more and more documents to not to give me a replacement phone. I have provided them with the proof of usage letter from my service provider but they are not still satisfied and ask for my bill which needs to show the list of the calls which I made with my Sim during my stay and because there has been always a cap on my account to not to go over my limits as a result I was not able to make any direct International phone calls with my phone during my stay and I only used internet calls like WhatsApp. The customer service is so bad. They talk to you in a way as if you are a criminal. They are not helpful at all. DO NOT GO WITH THIS INSURANCE as it's waste of time and money and energy!