This company might be really good and efficient at setting up new polices but there are a lot of hidden costs in the small print and they take a long time to process claims. My son's phone was stolen abroad and nearly a month later he's still waiting to hear if they're going to replace. Meanwhile, they've pointed out that they will not only charge the excess of £75 but they will also add £30 if the phone is stolen and another £30 if the phone is stolen abroad. They also want you to pay the remaining premiums for the year if you're paying monthly. It's not a quick service at all and the 24 hour replacement that they brag about is only after they've made the decision. It's taking them for ever to actually make the decision as to whether to honour the claim! I wouldn't recommend insuring with this company at all.