They do not honor the insurance claims. Come up with all sort of excuses. The latest one, to qualify for insurance I have to have PayPal invoice dated not less than 6 months ago. How is invoice or even more the software the invoice was issued with is relevant? It is not. They will simply find what you don't have and make it a mandatory requirement. Very poor responses as well, literally to get any answer you need to leave a negative feedback somewhere. Don't use them, there are plenty of other alternatives online.