Do not insure anything with this rip off company, no urgency to replace or fix phone (shut at weekends - helpful, not!) took 5 weeks to replace phone. Replaced phone with shoddy 2nd hand American phone which broke and they then accused me of breaking it and won't replace it. Replies take approximately one week to get and phone is 0844 number so constantly costs more money! Customer service wouldn't even advise me on how to complain, disgusted! Don't go there!
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