Very Disappointing

Hi, Why is there no zero star option as I think they don't deserve any star. I have been with 24 Hour Mobility for the past 5 years and have never claimed before, I lost my phone on Sunday and they declined my claim based on the fact that there was not enough evidence to support my claim. I will never refer this insurance company to anyone as I have been referred to them by a friend but I will not refer them to anyone based on the bad service. The consultant I spoke to was so eager to decline my claim as if this was his main objective and sole purpose for the call, he did not even want to listen to what I had to say. Very bad service.