Times Global insurance are fraudsters . please dont get into the trap of their sweet promises . I got 4 mobile insured with them . They charge a service and handling fees once you file a claim . service amd handling fees is more than the cost of genuine repair in the open market . secondly they change their numbers frequently and dont reply on email . when they get contacted , they cry that they are in losses and cannot do the repairs . If the time will permit , I will file a case against them so that this fraud can be stopped .