Great idea, but poorly executed experience and service
One of Trov's key propositions is that it offered frictionless insurance for your portable electronics.
And whilst it's frictionless to get started with them and insure your devices; making a claim is a whole other matter.
Claims are handled by a chat process, which is supposed to ask and inform the customer of everything necessary for making the claim.
Sadly, the claims process leaves out a lot of information, meaning that the customer constantly has to follow up, get more information, do more things, in order for the claim to be processed.
As a result, whilst Trov positions that they pay most claims within an hour during the working week - reality shows this isn't the case for the two claims i've had to file since becoming a customer of theirs well over two years ago.
As a result of my most recent claim for an iPad with a cracked screen, I've had to have the IMEI disabled by my cellular provider before they will even approve the claim. So despite the device still being usable safely until repaired, the functionality of the device is now significantly impaired.
Their claims agents, who you can only talk to via chat failed to understand, or acknowledge, the stupidity of the request and the impact this would avoidably have on the customer. No empathy or common sense was demonstrated.
One of the advantages Trov also sold to new customers is the ability to store photos and receipts of the product(s) being insured within the app. Sadly, this feature is near useless at the time you need it - which is when you're making a claim. The claims staff can't view these documents, nor can the customer link them to the claim to be viewed - so you have to go off, and take another photo of the document you need (receipt, invoice, etc) and add that to the claim.
Oh, and don't think about providing a PDF of the receipt or other relevant documents, their app doesn't allow you to do that. It has to be a photo or a screen shot, which makes things even harder than they need to be.
So yes, whilst the idea of what they do is nice, the fact is their execution on this falls well short of the expectations they set with customers. If there was someone else in the market offering what they do in the way they do it, then I would happily move my business over to them.