Basically this company can refuse to pay out on anything because of their terms and conditions; specifically section 2. d. I made a claim for accidentally damaging a Television waited 2 weeks to have my claim be denied. I moved some furniture in a small room, accidentally damaged a TV they refused to pay out because they believed "I didn't take reasonable precautions" (surely this is why we have accidental insurance, accidents happen). The best part is they grill you on the phone multiple times and ask you to send multiple pictures then dismiss your claim on their "beliefs" without evidence. When I asked them how they came to that conclusion and what a reasonable precaution would've been in that situation they wouldn't and still haven't given me an answer. So if you have insurance with this company make sure you plan and take precautions before you accidentally damage your gadgets. AVOID.