I’ve been paying my insurance premiums for at least 3 years. Unfortunately I dropped the phone recently and caused some minor damage to the screen (a small crack near to the home button). When I rang to enquire about getting the phone repaired, I was informed that I’d be without the phone because insurance 2 go would need my phone to repair it. Why can’t they authorise me to take it to an appropriate repairer so that it could be fixed while I wait? I don’t think it’s reasonable to take a customers phone for an indeterminate amount of time to attempt a minor repair and then request an excess of £75. Suffice it to say, I cancelled my policy and won’t be renewing if or when I buy a new phone. The only positive I can give, customer service answered the phone within a reasonable amount of time and were polite.