This is the worst insurance service i have ever had to deal with. I made my claim for my phone, they sent me another reconditioned phone, when i received it i couldn't get any reception there was a data error on the phone and the phone kept turning off (clearly hadn't been tested prior to it being sent out). When i called them to advise them that they had sent me a fault pohone within 24hrs of receiving it i was advised that i had to go through their warranty process which is a joke when its their fault for sending me a faulty phone in the first place, my phone should have been replaced immediately without any issues. I have now been without a phone for almost 2 weeks and still not heard anything of when i will be receiving my phone back. it is a joke, you spend hundreds on the policy and excess and this is the service you get for it, its a joke and i will be cancelling as soon as i have my phone back.