--- THIS COMPANY IS A SCAM --- Cannot believe that even in today's corporate world of eCommerce, such type of companies are still doing their business. I bought a travel insurance policy online a day before my travel assuming that smartchoice.pk is a corporate name and their products are available for purchasing online. Well, I was wrong. I purchased the EFU travel insurance and it has been more than a week that I havn't received my insurance cover apart from probably an autogenerated email stating that I am covered. Now I am at the foreign soil and God forbid I get into any trouble and would require my insurance, for obvious reasons the foreigners will not entertain me on the basis of this auto generated email which doesn't even have any insurance cover number or contacts of the underwritters or EFU's foreign partners. --- ANOTHER SCAM --- story doesn't end here only. They claim that they provide discount on credit cards. Well, i used my Standard Chartered Platinum Credit Card on which smartchoice.pk claim to provide 15% discount. That never happened and I was charged FULL AMOUNT. Now, i am on travel without insurance cover, thanks to smartchoice.pk who don't seem to be even return my money, what to talk a formal apology.