Do not use!!! SCAM SCAM SCAAAAAM!!! I have a one plus 6 phone and I am insured with them for over 2 years but when i accedently dropped my phone and broke the screen they wont pay out or fix it.  They have 2 levels of cover: Essential Cover is: Accidental damage Mechanical breakdown Malicious damage Liquid damage Accessory cover (up to £150)Worldwide cover (up to 90 days) Full Cover is: Accidental damage Mechanical breakdown Malicious damage Liquid damage Accessory cover (up to £150)Worldwide cover (up to 90 days)e-Wallet protection (up to £100)Loss Theft Unauthorised calls (up to £1000) As you can see above both cover accidental damage Mechanical breakdown but when my phone slipped out my hand and cracked the screen they gave me the following quote: “We will not cover the following: Any claim for accidental damage, breakdown or malicious damage of your mobile phone.  You have advised that the handset suffered Accidental Damage. As your Policy does not cover Accidental Damage the above exclusion applies, and on this basis the Insurer is unable to authorise your claim." But as stated above and on the website both policys cover accidental damage. I had to get it fixed at my local phone shop for £180. And to add insult to injury they told me that the access excess has gone up from £50 to £75! This is not in the terms and conditions you can't just chance prices as you please.  I want to make sure no one else gets scammed by these scammer's I will carry this rant on twitter. Do not use useeee!!!!!!