WORSE INSURER EVER. Do not waste your money. Nova comes out cheap on comparison sites but that is because they will never compensate you. I bought an insurance for my iphone 6 with Nova. They sent me three documents (schedule of insurance, the policy and a summary) that they clearly said constituted my contract with them. A few months later, my phone fell into water and I had to make a claim. They then came up with an idea that I had to settle all my premium and pay an excess. And they added something like...this is not refundable and we can not guarantee that your claim will be upheld. I sent them the three documents that constituted our contract and clearly explained to them that no where in those documents it was mentioned that I had to pay excess for my first claim or settle the full premium before I make a claim. I said I am happy to continue with my agreed monthly payment. They sent me an email with someone else's contract, trying to convince me that the contract was mine. That made me wonder whether this was a real company or just a ghost (their emails will never come with a name!).I showed to them that that was not my contract and therefore I could not be bound by it. They refused. I raised a complaint but I also told them that I was cancelling my direct debit, until they start looking at my claim objectively. Then they started harassing me with emails saying that they will charge me late payment fees. I told them that I will not pay any of those. My solicitor has now taken up the case but I am determined to take it as far as possible. They are so poor at communication, anonymous emails, threatening people, all kinds of bad customer service, you will find with nova. TO BE AVOIDED , if you do not want to waste your money and time. The financial institutions regulators should investigate whether this company actually exist.