Keep away, there are better and more credible insurance companies to go for in the market. 2.5 months ago my phone fell and the screen broke down. They replaced the screen but created a problem in the operation of the touch screen. I have sent the phone 3 times back to them and they still haven't fixed it properly. The last time I sent it they told me they would replace it but again they didn't. The policy clearly states that if they cannot fix the phone they will offer a replacament. Apparently they never do and keep doing circles without result.

I have the premium VIP service, which should offer next day replacement. To give a brief summary, I have made several claims. All of which have resulted in waiting a number of weeks, even months for replacements. AVOID!!!! Here is a more detailed account of the terrible service that i have received. My first claim was on 11/11/16 and did not receive a new phone until 26/11/16. After taking 10 days to process my claim, I was told that the phone was not in stock and would potentially have to wait another two weeks to receive it. I made a second claim on the 21/12/17: This time I was initially told to get a quote from a local phone repair centre, who said that the phone would not retain its waterproof functionality when repaired. Loveit Coverit said that I would have to go with this repair. I chased this up, quoting from my policy. They then said that they had made a mistake and I was eligible for a new handset. Once again after taking 16 days to process the claim, I was told that the phone was not in stock and would potentially have to wait another two weeks to receive it. I did not receive a new phone until 12/01/17. The phone I received on 12/01/17 was faulty. I was told that i could get an instant replacement under warranty, but THE PHONE WAS NOT IN STOCK!!!! I finally received it on 20/01/17, a month after making the initial claim. After spending a lot of time complaining and finally looking up the 'Operations Manager', this resulted in a small compensation. My last claim was made in June. I eventually received another faulty device, which was also damaged. Interestingly the faulty gold phone that i received for this claim, is the same colour and has the same faults as the faulty phone i received in January. I contacted them within an hour of receiving the device explaining the damage. This time they said that they had recently changed their policy and i would have to send the phone for inspection before they sent a replacement. I am very wary of this, based on the numerous negative reviews that i have read. I am also paying for a VIP next day service. I have now involved the financial ombudsman, who is investigating my claims. In their final response, Loveit Coverit asserts that i didn't claim for 3 days, after receiving my most recent damaged and faulty device. I have a copy of the delivery time from the courier, as well as the initial email notifying Loveit Coverit of the damage, within the hour. I have now had a phone; which arrived faulty and damaged and should have been replaced next day under warranty, for four months.