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Lost Phone

Lost my phone yesterday (iPhone 4 16gb). Luckily, I have insurance with protectyourbubble.com and have done for 2 years.

All I've heard is horror stories about them when doing a google search (and in particular some comments in this forum!).

Has anyone had any positive experiences with them regarding a claim? They are the cheapest insurance around, and as the saying goes you get what you pay for. Just hope I don't get stung. I have all the info I think they'll need.
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