After paying the annual amount up front I had to submit a claim due to a stolen phone. Despite sending in my claim documentation within five days it took Row Insurance 3 further weeks to make contact me and that was with me emailing asking for an update call daily! When they did eventually call they declined my claim based on a ridiculous technicality which was bad enough. I then received an email telling me to cancel my Direct Debit to stop further payments being taken as I no longer had a gadget to insure. I advised that I was 6 months into a policy I had paid for in full and was advised that I was not due a refund as I'd made a claim (WHICH THEY HADNT PAID!!!). Insure with these incompetent thieves at your own risk. They might be cheap but when you need a claim paid you'll be fobbed off. Just saying!