Honestly this is one of the worst experiences Honestly this is one of the worst insurance experience I have ever had in my life. It is now weeks waiting and counting. It honestly feels like you are trying to prove you are telling the truth about even having the phone in there first place. I don't understand what some stuff has to do with anything even asking for the original box, and if I had insurance with anyone else what does that have to do with my claim? Insurance companies share the database so why would I be so stupid to claim several times for the exact same device? I had sent the receipt with the IMEI and Serial as well as a screenshot of my apple account with matching IMEI and Serial only to be asked to sent pictures of the box??? The most frustrating part was being asked to upload info, which I proceeded to upload and also email, and then repeatedly chasing to be told we have not received the info I uploaded and also emails. Only for me to then ask on the phone to them 'what format does your system accept?' to then hear them say it is the format (photos taken from iPhone) which their system does not accept. Mind you I had uploaded several times and their online portal said 'successful' and I had also emailed them to make sure they arrived. Every single time they ask for something new it takes 2 days to hear back. Even when you reply to emails it is as if they don't know you have replied until you call as you are told 'we sent you an email asking for xyz' when you have already replied to that email hours before or even the day before!! make it make sense?? Virgin Atlantic sold me this insurance, and already processed my claim for my stolen cash within days but getting my phone claim sorted by with Taurus as they handle gadget claims has been a complete nightmare to date. It is a horrible way to treat people a terrible experience from start to this point today I am still waiting for a decision let alone a phone.

Stress and hassle free experience Contrary to most of the other reviewers, I've had a fantastic experience! Yes you do have to provide plenty of documentation, and there are exceptions and exclusions (this is insurance after all, read the t&cs!), but having provided this and an honest explanation of how I damaged my phone, I'd had my claim approved, phone sent off, repaired and returned in 6 days. I hope to never have to claim again of course, but I certainly wouldn't be anxious to!

Utterly useless travel insurance Bought the highest level of cover Platinum - it said it covered travel delay - 50 quid per 12 hours Turns out they rely on some small print that says travel delay only applies to the 1st leg of any journey! This is worldwide insurance - yet in my case it only covers 1st leg from edinburgh to paris All complaints have been taken to the time limit of 28 days, with a further 28 days extension - have now had referral to the Ombudsman - their guidance states that if you have that restriction on the definition of travel delay then it should be highlighted at time of sale. I'm fairly optimistic I can get it back in due course, but what a huge waste of time Viva/Taurus travel insurance have been.

Small print peril You better read carefully the small print in the policy of this company. I claimed for a stolen phone and duly ticked the box for "refurbished" in the form. It took me ages to gather all the information about the incident and upload many supporting documents. However, my claim was declined because I did not buy the phone from Samsung but from a reputable third-party seller. This was the reason why Taurus rejected my claim. I don't understand why the company did not "red flag" this stipulation when I ticked the relevant box in the claim form and went through the tedious process without any avail. Taurus's policy flies in the face of environmental responsibility because it excludes recycled gadgets. All in all, the experience with this insurance company was more frustrating than the phone theft.

For claim regarding a theft of a mobile… DO NOT USE TAURUS INSURANCE. IT IS NOW MORE THAN 4 WORKING DAYS SINCE MY CLAIM WAS APPROVED AND THERE IS STILL NO NOTIFICATION OF REPLACEMENT DEVICE BEING DISPATCHED. I HAVE TO CALL THEM EVERY DAY TO GET UPDATES, AND EVERY DAY THEY MAKE EMPTY USELESS PROMISES THAT 'SOMEONE WILL BE IN TOUCH TOMORROW'. Edit 18th April: 8 working days since submitting claim. Have called Taurus yet again to be told that replacement device has not yet been dispatched from their 'repair partners'. For claim regarding a theft of a mobile phone: - Taurus took more than 3 days to approve (despite extensive evidence). Advertised response of 1-2 days not met. - Only offered a replacement phone and no cash payout. This was approved on day 4, but they failed to order the replacement until the 5th day. Told delivery of replacement would be 2-4 working days. - Its now 5 working days since original claim submitted, after further chasing them, I am told that the replacement device is sent to them, before being sent to me (???) and it is unlikely to be delivered until 11 days after original claim. - This is far beyond the response times advertised when taking out the policy - Taurus staff seem very confused as to why replacement devices may be needed with short turnaround time - I would have been more than happy with compensation, and procuring a replacement device myself, and this would have been far quicker