it is the worse company to insure your phone with , i payed all my subscription and when i needede help with my phone being stolen whiles i was in a bus on my way home, they declined and cancelled my insurances . the claims officer (Finn chilton) said to me that i should have carried my backpack in front whiles standing in a bus and also i culdnt provide a bus ticket for my journey because i didnt remember paying cash or card. FIND A BETTER COMPANY OR YOUR BANK TO INSURE WITH THAN THIS FRAUDSTERS, THEY WILL TAKE YOUR HARD EARNED MONEY MONTHLY AND WHEN THE TIME COMES FOR THEM TO HONOR THE INSURANCE THEY WILL NOT. I WAS WITH THEM FOR 1 YEAR. STAY AWAY IF YOU DONT WANT A HEAR BREAK.STAY AWAY.