The phone calls proved a bit difficult because I constantly hung in the queue, but eventually I wrote an e-mail, in setting out in the damage of my mobile phone and my patience was rewarded. It answered a very friendly staff member of the insurance in my back, which was discussing the way forward with me. Within 4 days I had the refund (90% of the purchase price) in my account, and at the same time a nice letter to the mailbox. I ordered the same day the same phone again and again completed the insurance to do so. The Police was me (that is true for every one of my completed for a mobile insurance!) Within 48 hours as mail sent, I therefore can not understand the negative reviews and think that these customers the appropriate mail ended up in spam filters .... For me a clear recommendation, because without insurance I would have to buy a new phone at its own expense. And who can put their hands into the fire for it, that he did not even fall his machine on the ground or into the water? Mir is the misfortune happens incidentally while fishing ...