OK, I came across by chance in a info about this product on the reviews and to set a small token or heap, I give one star because there is not NULL - out of the blue, I surmise, therefore: the Police is totally overpriced , the service is less than desirable and in case of damage a payment or reimbursement of repair is promised only after an interminable squabbling from bureaucracy and competence references. Who needs this insurance therefore needs many more - something like, thumbs up, that nothing happens!