It feels like a 1* review is way too good for this bunch of fraudsters. They know exactly what they are doing - which is basically selling a product with no consumer duty... Having paid into my plan for 3 years - I was asked to RENEW my policy - but this is not what you are doing - you are starting a NEW policy - so the 3 years you have spent paying in are no longer valid .. If as was the the case with my dishwasher - your appliance fails within the first few months you have to pay for an engineer callout and also have to pay up your policy - IN FULL to receive any benefits from the policy - My BOSCH dishwasher was written off by the call-out engineer and they offered me a choice of two cheap dishwashers from second tier brands - that I had to source and order myself - plus pay for deliver and installation ... by the time I had paid for the engineer callout and to buy myself out of the policy plus the dishwasher itself - then delivery and install ( for which they offer another payment plan !! ) the low quality dishwasher they were offering me would have cost me more than a top tier replacement ... It is a con - it is NOT and insurance product so they are NOT overseen by the FCA or Consumer duty law - they know this and they hide behind their ambiguous and misleading terminology and terms and conditions. If you doubt me read the other review - 2.5 stars is shameful - 41% recommend them - and that is usually based on reviews of initially buying the product - NOT reviews of the service you get. Absolute garbage of a company, and a product not fit for purpose - but lesson learned .. Just don't make the same mistakes I did. DO NOT USE THEM.