I took out my phone insurance with the Post Office (Taurus.) The other week I dropped my phone and smashed it. I did the online claims form which was approved immediately, then had the option to post my phone or take to Apple shop. I took mine to the Apple store where I was told I needed a new phone. I initially had to pay the bill over nearly £400, but I uploaded the invoice and job sheet that night. Two days later received a text saying everything was approved. Another two days and the money was back in my account and with only a small deduction for the access. Definitely would recommend.