Our sudster lost three bags of clothing when her car hatchback opened while on the highway. The bags were never recovered and a police report was filed. She was very sorry and we don't blame her, but the company offers NOTHING to replace our clothing. 10 pairs of pants/leggings, 5 girls' dresses, bras, underwear, and lots of expensive athleisure wear. The only credit for having Premium insurance coverage is for future washes, but there is NO REPLACEMENT VALUE when they lose your clothing. Buyer beware!