MSE News: Phones 4u's insurance firm fined £2.8m over customer complaints
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"Policy Administration Services, which runs mobile phone insurance policies sold by Phones 4u has been fined £2.8 million..."
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Phones 4u's insurance firm fined £2.8m over customer complaints

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Phones 4u's insurance firm fined £2.8m over customer complaints

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It runs to four A4 pages of convoluted text plus lists of things to tick. Also contains many onerous stipulations and requirements PAS want fulfilled - too numerous to list here.
It's like they've deliberately created so many obstacles that people will give up and not proceed with any claim.