i payed for nearly a year when my tele broke whilst carrying it i had to find old paper work which fortunataly i hadn’t binned and take lots of daft pictures from all angles not just the damage and model sticker,but because i didn’t ring up and ask for the approved transportation method before carrying my tv back up stairs the “find a reason not to pay out team” at smart cover (which is the most dedicated team at smar cover) denied my claim dont insure a smart tv here unless a gohst breaks it while your out that seems to be the only cercumstance in which they’ll pay out but run of the mill accidental damage that you’d buy insurance for is not covered by smart cover its your fault unfortunately for having kids, friends or just that unfortunate clumsy moment sorry seems to be a scam company IMO