Hi everyone, I lost my mobile phone two days ago and as I had my insurance, I called the mobile insurance. I had an iphone 6 plus 128gb. They said my claim was approved but as the handset is at the end of it's life, I would get a refurbished mobile device. I want to confirm, being a consumer, that if I pay my insaurance and that if I loose my phone, they will either replace the device or the value for the new device? This seems really unfair to me. Any help? And on their insaurance policy, they have mentioned it is their sole decision to determine that if I will get a new or a refurbished device.