This is the worst insurance company that anyone should ever use. DO NOT USE this company. I had my entire bag stolen two weeks ago and my phone was insured with this company. For at least an hour every single day since then I have been trying to get a replacement phone. I have spoken to about 12 people from Ragh something to Lisa something and Mikey something and none of the customer care team will provide me with their last name. Each one of them promised that they would call me back and each one I spoke to never did. My phone company Meteor had to send over 6 fax confirmations and each time they claimed that they did not receive them. IT was only when Meteor stated that I would lodge an official complaint did they \"find\" my fax confirmation. I still have not heard anything back from these people and at this rate I am convinced that this company is a scam that are willing to take peoples \"insurance\" monies every week but do not provide any sort of a service in return. I strongly warn anyone thinking of this company to avoid it at all costs. Lynne...