My Son has be paying for insurance for just over 3 years, never claimed before …………….. just cracked his screen on his I-phone. Sadly he forgot to tell them he had an upgrade from a 7 to an X, Endsleigh WOULDN'T pay out saying that the I-phone wasn't the one he was insured for :-( :-( I asked them to just pay him an amount of money for a I-Phone 7 screen and he could pay the rest. They wouldn't pay anything. Not very good customer service. Funnily enough they are still taking his monthly fee out of his account and wouldn't reimburse him the amount he has paid from the claim date. Ruby the customer service women was really lovely, just that the company polices are poor. Just a typical Insurance BLACK & WHITE company.