Currently awaiting contact AGAIN from this company. Have made a claim over two weeks ago which was approved and have still not received a phone. Every step of the claim has had a “3-5 waiting day” period in order to process so each “step” has delayed the process unnecessarily. Was told that my phone was being repaired and they were awaiting parts only to be informed 5 days later that it has been deemed beyond economical repair and they will be sending a replacement within 3-5 working days. Was then contacted after this time by email to be told they cannot source a replacement device and will offer a replacement to the “market value” of the phone (which was wayyy under value considering the phone was insured as brand new) they offered me a lower value different phone worth £289 when my insured phone was worth £800. I explained I was willing to accept a refurbished or replacement of the same device I have insured but they have stated they cannot source it and are unwilling to purchase a brand new device unless I am willing to pay the difference. These circumstances were not stipulated in the T&C’s of the contract. Note, my policy states they will replace the device with a refurbished device or new if a refurb is not possible. When you take out insurance you expect to be insured for the exact phone you have paid insurance for (even the phone colour) I expected a like for like device but they cannot source it and are refusing to provide a new device..instead offering me phones of a different make or cheaper versions of my original device. I am so annoyed and have raised a complaint but no surprise...this also takes “3-5 working days” to receive a response. Do not waste your money insuring with this company. They do not stand over anything and make up their rules as they go along. Would have give less than one star if possible.