I insured my fridge freezer with Smart cover. After few months it broke down. I called costumer service and they asked me to submit the photos and serial number and proof of purchase. I submitted everything expect the proof of purchase because I could not find it. I called up and they told me to get a bank statement. I provided with a bank statement where it shows clearly that I purchased it from Comet. After two weeks of chasing they told me after that the bank statement is not good enough because it doesn't show what product was bought. I told them that Comet went on liquidation and I can get any more prove. they told me they can not send someone to fix the fridge. I asked them for a full refund as they not providing me with the service that I paid and they told me they need to keep £15.00 of admin fees. I am very disappointed and frustrated with their service.