Taurus Insurance Services Avis 

On a recent trip to Las Vegas i was pick pocketed whilst out walking on the strip. My keycard for the hotel was stolen ( warning DO NOT KEEP your keycard in the wallet provided by the hotel) the thief/thieves cleared our room of some expensive electronic gadgets. Hotel security and police attended and we were able to show them live tracking of our stolen items. Unfortunately they wouldn't try to find them and advised us not to try either.
Fortunately I had ticked and paid for gadget cover so I contacted LesiureGuard (my insurance company) and they gave me the Taurus link for the Gadget cover,
We sent in details of our claim on the 8th July.
On the 10th July I received my first response. Taurus : asked several questions about the circumstances, including did the police attend, was there any sign of forced entry etc. They finished with the line - Upon receipt of the documents, we will aim to approve your claim within 2 working days. Despite the 2 reports from police and hotel security Taurus said the claim probably wouldn't go through as there were no signs of forced entry. They asked me for screenshots of the Findmy ap, receipts for the items, the original boxes they came in along with serial numbers etc.
They told me the claim would take longer due to them being expensive items. (why would I take out extra insurance for cheap items?)
Despite the fact I'd sent the hotel security and police reports over 3 times they asked for further clarification as neither report mentioned my key being stolen.
on the 26th July Taurus emailed me with : 'Please also be advised that your policy excludes theft from accommodation where there is no evidence of forced entry. We are happy to consider your claim; however, you will need to provide evidence that your access card was stolen from you.'
We had to contact the LVPD and the Hotel to ask them to state that my keycard had been stolen in writing which of course they couldn't do. They could only bear witness to what they saw which was overwhelming evidence that someone had entered the room with a key which was no longer in my possession.
To keep this as brief as I can several emails were exchanged including a request to speak to a supervisor as we were not happy with the way the claim was being handled.
Eventually I was told the claim had been forwarded to a senior claims handler.
I was then informed that the claims were limited to £1000 per traveller and as the apple mac (£2500) and ear buds (£160) were in my name my settlement figure was £1000 and the iPad in my wifes name was valued at £364 giving a total settlement of £1364.
On Tuesday 18th August I received a payment of £1000.00 (note to self ... read the small print)
I emailed to ask for a clarification of the paymet and am still awaiting a reply. Thursday 20th August some 6 weeks later. But to be fair they have sent me 2 requests to rate their service. So here it is.

I am appreciative that the lost/ stolen iphone has been replaced. The process was laborious because the iphone account was unable to be accessed, therefore it was not easy to retrieve all the information required for the insurance company. I understand that the company has to be rigorous to verify claims. The lost iPhone appears to have been replaced with a reconditioned phone. Hopefully it will not have glitches. It took a week from approval of claim until receipt of replacement item.

Not Recommended! ⭐

Unfortunately, I’ve had a very disappointing experience with Swipe Gadget Insurance (Taurus Insurance Services Ltd).

I lost my device more than a week ago, and the claims process has been incredibly frustrating. Every couple of working days, they request a few documents, then take another 2–3 working days to review them, only to come back asking for another document. Why not request all the required documents in one email and save customers unnecessary delays?

I’ve now provided everything they’ve asked for, yet I’m still waiting for my claim to be approved. I’ve been without a device for over a week, and the whole process has been unnecessarily slow and stressful.

Unfortunately, this is the second bad experience I’ve had with this company, and it has completely damaged my trust in them.

If you’re happy to wait a long time without your device while your claim is being processed, then maybe they’re for you. Otherwise, I’d strongly recommend looking elsewhere.

Not recommended!

I lost my AirPods while travelling abroad and the claims process was really straightforward. I simply explained what had happened and provided proof of purchase. My claim was approved and the money was paid within a week. A quick, easy and stress-free experience.

Daughter had phone stolen at a festival.. super easy to claim as long as you have all the documents to hand . Claim processed within 48 hours and replacement phone arrived next working day 9:30am. One tip for Taurus: checklist of all the documents required in the event of a claim would be great when taking out a policy and also a list of the actions to take in the event of loss/theft as there were more things than I fully appreciated.

My phone screen borke on holiday , and i was have to get it fix from my own pocket . But ones i put a claim true by 4 day the money was trasfered to my bank account .very pleased with the service !

Bought insurance for my son and paid extra for gadget insurance . He forgot to and he was at airport so bought it for him. He lost his AirPods day before he flew back. It was a long weekend break. Claim turned down because insurance was not bought while he was at his primary address. This is in one line of 38 page policy document but no where to be seen when you are buying a policy. These were only AirPods but could you imagine if someone was seriously injured or killed and insurance said that they would not help because was not bought when you were at home. There is no question asking if you are at your primary address when you purchased insurance and since it allows you buy the insurance on the day of travel there must be many similar cases. It allows you buy insurance on day of travel. I would even question whether the insurance was miss sold as my son effectively wasn’t insured. I would be very wary of buying insurance with them.
The original insurance was bought through Tesco so have also contacted them but waiting for reply.

Has been 3weeks since I filed a claim.

Have provided all receipts, documents required etc

Some emails sent take a while to acknowledge receipt, or no reply whatsoever, or you ask them a question or for an answer for something & they reply back with something completely different

Can’t give a full timeframe from the start of claim to the outcome etc as I’m still waiting, so once the claims process has come to an end I will update this review

Not happy with the very slow response via emails, or the lack of response. You send emails and they get ignored.

The only person I’ve dealt with and heard from properly was a lady who called to run through the incident and she was very helpful and polite. Other than that, there’s no reply to any emails, if there is, it’s nothing to do with what you’ve asked.

I wouldn’t recommend due to the emails being totally ignored/replied back to very late with the incorrect information.

Not happy at all. It’s very draining and stressful to not know what’s happening and to not have the outcome.

The claim was hardly worthwhile once they had taken off their excess fee

Easy process and fast payment. Excellent service

Really straight forward process. My nephew smashed his iPad on holiday and even though it happened during the night so I wasn't 100 percent on the details Taurus approved the claim and I now have a very happy nephew. The claim is mostly done online but you can phone if you need help with the application

I put a claim in as my phone was broken, it was accepted. I sent it off was waiting longer than the timeframe which is advertised, with no update. I was then sent a replacement phone, which was also faulty. I have now sent that back with an apple report, they have said they cannot find anything although apple suggested a new battery was needed as they sent me a replacement phone which had 86% battery health life!!!
They have now said the phone has cosmetic damage, which is a lie as I took and sent photos of the phone seconds before I packaged and sent it off. Also advised I need my phone asap due to personal reasons, still don’t care, no urgency.
Still no update, phone should be back tomorrow if working within their guidelines - highly doubt it as I still have no update!

Absolute joke of gagded insurance company.. we were in the Maldives and got our camera splashed by unexpected wave. Accidental damage you would think wouldn’t you? Not by their rules.. as being on a boat is water based activity.. if I was on jetty or kayak I wouldn’t even bother claiming but being on a boat when the only option for transportation in the Maldives is a boat is absurd! so is being on a plane counts same as skydiving or paragliding?? Don’t even bother getting gagded insurance as most realistic situations aren’t covered anyway..

Claim was very professionally carried out and easy to download documents and track. Plus very prompt in confirming settlement amount . Thank you

The policy wording is extremely broad and doesn’t distinguish between genuinely high-risk activities (diving, jet-skiing) and everyday tourist experiences like a scenic boat tour, which most travellers would never think to be “at risk” from. In destinations like the Maldives, boats are the only way to get between islands — there’s no other form of transport, so almost any trip inevitably involves a “boat-ride.” Under this policy’s logic, that alone appears to void gadget cover for the entire holiday.

I’d strongly encourage anyone taking out gadget cover to read section P38 carefully, as it may exclude far more everyday holiday activities than expected. I’m now pursuing this further as I believe the exclusion is being applied too broadly for what was a standard tourist activity.

It was a real tiresome process but worth it in the end

It was a bit drawn out process, q

Worst insurance company don't fall for their cheap insurance.

I have an ongoing Claim for a lost phone its been 2 weeks and still no where near a decision.

I have been requested to upload so many things inclusing proof of purchase , ID , proof of payment , proof of usage and more.

They only operate over email asking one sentence questions then reply after 48 hours. Also send emails worded like accusations such as " if your ohone is lost".

I know go on holiday on Tuesday without a phone or decision.