Hi everybody, please do not trust this layer company. They are doing their best to decline claim. Once they paid my claim hardly but I thought that this is good company and bought 4 insurance packages from them for my upcoming rentals. But just yesterday they declined me and I will copy their email below. They always can answer you like that and they do not need explain the reason to anybody. In the claim process one of their employee told me that my rental agreement is not accaptable for them. I can show that remtal agreement to everybody whom it is interesting. It is standard agreement of local rental company. I cancelled all my existing insurances which bought from them previously and have not get their cancellation confirmatons already 2 days. So be carefully with them nd always know that they can decline your claim without any reason, just they want and that's it.