Worst insurance company, stay away from it. The airline delayed my baggage 4 days, they returned it all messed, all the perishables wasted in my clothes, I had my work card in 4 days I took extra from my left holiday, I waited 4 hours at the airport, all the stress and all the insurance said it’s absolutely fine, no compensation. Please stay away. They work with expedia, so when you are paying for the insurance please take caution, stay away