There are a lot of hidden costs at Row and it's a hassle to make a claim. I insured my phone for £4.99 a month including the extra £1 cover for theft. I opened a claim on the Sunday after my phone was stolen and 10 days later I still feel no closer to having it sorted. They require a lot of documents (I understand the receipt, immoblise details and crime reference number but trying to download 4 months of phone usage is time-consuming...!), I had to be on hold for approximately 15 minutes each time I rang, I got quizzed on the phone about how and when my phone was stolen and it was like some form of police interview. I then had to send in pictures of my bag that the phone was taken from and it wasn't until I sounded a bit upset on the phone that a more human side of a customer service representative came through... I now have to pay £100 in excess (on the policy it said £50) £25 fee because I've only had the insurance for 2 months and an extra £25 because the phone was stolen. You then have to pay upfront the rest of the claim costs for the year - another £49. So I have to pay £149 for a £260 phone. It all seems a lot for company that I thought had a good reputation about being humanist and effective in sorted out a claim. I know it's a cliche but... read the small print!