I have been paying for AppleCare+ with Theft and Loss through AIG Insurance for about 4 years, which means I’ve already spent around £700 on insurance. The whole reason I kept paying was for peace of mind – that if my iPhone was ever lost or stolen, I could simply make a claim and receive a replacement without unnecessary stress. Unfortunately, my recent claim has been nothing but a frustrating experience. Instead of support, I am getting endless emails with pointless questions and delays. My phone was lost or possibly stolen at the Redhill Centre, yet AIG seems more interested in finding loopholes and excuses than actually helping me. Apple is a premium brand, but their partnership with AIG Insurance feels completely the opposite – unhelpful, useless, and designed to avoid paying out. After paying insurance for 4 years, I’ve basically already paid the full value of the iPhone, and still AIG is trying to make the process as difficult as possible. I would not recommend AIG Insurance to anyone. They do not deliver the service you expect and deserve, and they make you feel like they are looking for any excuse not to honour the policy. Truly disappointing experience.