FYI - So this insurance company will not pay out if you have to extend your trip due to illness. Their logic goes - since you had no previous bookings in accommodation we cannot pay you for booking a night when there were none before. So don't stay for free with friends and family! It is not allowed. Also don't loose your phone, or become so violently ill and delirious in my case that you forget to ring them STRAIGHT AWAY FROM WHREVER YOU ARE. Hold back that vomit, that broken leg can wait. Don't gather all evidence, doctors notes, receipts, spend hours going back and forth. Because they will not pay out anyway. SCAM company.