You pay less than competitors, in some cases much ...

You pay less than competitors, in some cases much less though:
1) there is no telephone number (even for a fee) for assistance. In 2019 it is, in my opinion, unacceptable
2) response times to emails (the only possibility of contacting the Insurance) in the Bible
3) Having to change ensured a half, in my case, the site does not allow you to enter the model and equipment, non-actionable request and no response within a reasonable timeframe.
4) in the event of a claim without fault or in competition, you must worry about forwarding the claim for compensation to the insurance of the counterparty