Diabolical company. I was insured with them for my last three mobile phones. Every two years when I upgraded I changed and/ or cancelled the policy to reflect new phone and model. Policy would adjust accordingly with price of direct debit so the other policy was cancelled and only one payment was taken out of my bank account to reflect the price of the new phone policy. In March 2023 I upgraded my phone and everything I needed to do was done accordingly for the old phone policy not to be running and the new direct debit was in place for new phone. Except they didn't cancel the old phone insurance. Despite me cancelling it. Yesterday I had an email from them about renewal for my S23 and I've just upgraded to S25 so I wanted to cancel as found another insurer for the S25. When I logged in I was very surprised to see my old S20 policy still running . Before this I had an app for this company which never once showed the S20 as still being insured since I changed phones in 2023. I emailed them and they have basically lied about it and won't refund . I called my bank and my bank have refunded it and said they were taking it out in different names too at different times. I rarely check my banking app and have electronic statements so I didn't notice it. Avoid. They are unscrupulous and scammers. Distorting company. I will be taking further action.