AVOID. After years of using this company with no issues I finally found myself making a claim when my partner had her smartphone stolen. It seems that my gadget cover had run out only a few days before the theft occurred, so when I made the claim they told me I wasn't insured. They said they'd notified me (but only via email) about the gadget insurance being removed, however despite trawling through my emails I found no record of it. You would think that for something as important as the removal of cover they would ensure a policyholder is made aware of this, eg. by picking up the phone or asking for a confirmation of the policy change. Despite being a loyal customer for many years they refused to budge on this issue. I took them to a financial ombudsmen without success, as the company had acted to the letter (though not, in my opinion, the spirit) of the law. Moral of this story; don't take any insurance out with this company.