After getting a phone as gift, then subsequently paying my insurance every month for three years. ROW wouldn't even look into fixing my phone due to the fact I couldn't provide the receipt (from three years ago - if that is company policy why do they not ask for that when you take the agreement out?!) - they said this was mentioned in the initial documents but I cannot remember receiving those otherwise I would not have continued to pay them!! I wasn't asking for a new phone, just for my battery to be replaced - I ended up paying more in insurance than what the phone was worth. Absolutely appalling. Very unhelpful, rude staff members when I did try to cancel. Would never take out anything with you again nor would I recommend you to anyone.