If I could give them minus stars I would. DON’T INSURE WITH THEM!! They are appalling and the customer service is very poor! They’ll take your money ( no problem) but when it comes to paying out they take 3 months to email you and refuse to pay out. My late mum and poorly dad bought me a camera a little over a year ago for my birthday and as a thankyou for helping them through a difficult time. Whilst on holiday I dropped the camera from our balcony and it smashed into pieces. We were 5 floors up so you can imagine the damage.BUT these insurers wanted pictures of the camera ( I sent a few) that I’d managed to catch with my phone. That took them 6 weeks to request. Then they wanted all the smashed pieces to validate my claim. Erm I was not allowed to bring sharp objects in my suitcase from Tenerife airport and they know this. YET emailed me after another 3 weeks to say they weren’t paying out. I’m now awaiting another email as I’ve escalated my complaint. I’ll let you know what the outcome is... I recommend you think hard about using this company.