Pathetic service, UHAPPY & FRUSTRATED

I been with them for 4 to 5 years not skipping a premium, now I put in my first claim in 22/07/2021 I insured my phone for new replacement the phone got damaged took it in for assessment as per their request to apple istore after I sent them the assessment they fetched the phone and they only want to fix the screen and not as per the assessment of apple, they easy to take your money and when it comes to claim stage they want to take short cuts with your claim, and besides that there is no customer service. I have to call them and there service provider phonetradr to get updates, They gave me very bad service, you pay the premium for new and when they have to fix they don't want to fix properly. I am very UNHAPPY & Frustrated with the way my claim was handled.