Really don't see how this company can continue... Paid for insurance for two phones. First year no claims, no issues... renewed policy. Filed a claim (accidental damage)... after jumping through a series of hoops and providing payment information heard nothing... no one to contact, live chat that isn't and no response to several inquiries. Waited three weeks with no result. Thankfully paid through PayPal. Cancellation of a worthless policy and a refund (Thanks PayPal)... reviews of this product indicate that this is not at all uncommon... but those who pay via credit card may have some issues.