Worst service, rejects claims based on assumptions

I had a cellphone claim that was rejected after paying for years and this was my first ever claim with them. The process of claiming is tedious and long. Their assessor claims that this was an electronic failure, even when he came to assess the phone he told me that he will just report it as an electrical failure yet he didn’t even open the phone to establish such and hence my claim was rejected. I even got a call from the assessor that my phone has no evidence of a fall and has zero dents or scratches. Yet, I do have a bump/scratch on the phone, I believe this is assumption made was an excuse not to pay my claim. When I followed up with Dane Nelson he hung up the call on me. Very unprofessional. I’m even stressed my car is insured with them. You cannot rely on them and zero peace of mind. What a **** of an insurance. What’s new now is they forcing us to review the interaction with the customer service agent when calling in so you can rate them here on hellopeter. They are trying to get the rating score up, hiding that they don’t pay out claims and take super long to action claim.