Very Unhappy client of Guardrisk Cellphone incurance

I will never ever refer anyone to Guardrisk insurance, you pay for how many years and when you try and claim for the first time in 4 or 5 years for a cracked screen cellphone they Decline your claim. Guardrisk you are very bad! I hope all other people see this and also cancel their service! Why must we pay for how many years and you cant help you client that is disgusting a shame!!!!