If I could give no stars I would. We can’t believe this company. For almost 3 years paid out 575.64 p to this company. My phone wouldn’t charge so rang up to try to sort . They said would try to repair it and if not repairable would give me a refurbished phone…. The refurbished ones are 200 odd pounds so taking off the 90 excess this would be 110 only they were paying out…. A new phone was around 400 to replace. Decided to go to a local shop called Arma force who charged me 35 pounds . So over the years would of saved 540.64 What a rip off. I think if you are insured they should replace like for like.After all you are paying out so much . Beware don’t go with this company. Hence we are terminating our policy. I think this one needs to be on ‘Rip off Britain. ‘