Wish I could leave 0 stars. Very poor customer service and they hide poor reviews and posts. The sign up is not very clear on the actual terms, it only covers new or manufacturer refurbished items - not re-sold items. This was found on trying to validate the insurance and NOT mentioned on the GoCompare website or the NOVA Direct pages prior to taking any payment. The item must be insured in the name on the purchase invoice and owned by that person, so no gifts or presents can be insured. Once you find this out you are locked in with £10 cancellation fee and no communications. Beware of these people and try elsewhere.