I've tried here for months now and my policy has been solid sha. Protection for my equipment gave me peace of mind especially with how expensive camera gear is, but abeg the claims process almost gave me stress. Took them three weeks to process a simple claim when they said one week, and I had to call them multiple times before anyone got back to me. Still 4 stars because the actual coverage itself is decent and worth it, just sort out the waiting game with customer service.