I bought this insurance for my brand new galaxy s8 phone. About 2 month of having the insurance my phone fell from my computer table and it has a crack in the screen. (The phone is incredible fragile it even had a case) So I bang a claim in, they wanted to know everything about me. They would of asked for DNA if they could. After a week I get in touch with them as no one replied. I was told on the phone someone would contact me. I waited another few days. No call, so I rang them again they said the same thing. After about a month they get in touch with me. They tell me that I would have to pay £175 to repair my screen. £75 excess, £30 for damaging my phone within the first 3 month and £6.99 X 10 payments. I feel robbed, after a month or so of waiting I get told I needed to pay £175 excess to repair my phone. I would rather pay Samsung UK to do the repair for me. Atleast it would become by professionals and not cowboys. Why would someone buy insurance then having to pay £175 to get it repaired. Literally what is the point in having insurance? I urge anyone who is going to buy this insurance. Don't do it. You will only be massively disappointed by them. I have never dealt with such a rubbish company. Down to customer care and the policy. I should have sticked with the better companies like insurance2go or protect your bubble. I just found out Samsung also do insurance which I wished I knew about. I cancelled my insurance claim and going to have to pay a fortune to Samsung to repair it sadly but I would rather do that then give these people money. The people leaving these reviews obviously have never tried to make a claim so don't listen to them.