Unfortunately I found myself having to make a claim within a month of staring the policy I had a accident where my computer and other items was damaged however after several emails back and forth I was quick to learn the policy was useless and that it's under writer legal and general would not pay my claim after providing all the info required they still needed further info to see a broken screen on my laptop so in the end o cancelled the policy and claim as it was too much stress and replaced my own laptop although I was covered the insurer will do all it can to not pay a claim and then wants paying for the whole year good luck I hope you get it not from me absolutely ripped off by them and sainsburys