Apps Daily Fraud — Insurance for repair

FRAUD!!! ...Apps daily insurance is the biggest FRAUD in insurance sector i had ever seen and experienced. I made a claim to repair my mobile since it sustained a crack in the display. They asked me to get a quote from the authorised service center for changing the display. The service center gave me a quote of Rs.3, 500/- which i have mailed them along with all the necessary details. Now they had sent me a mail stating that my claim has been approved for "Total Loss" for an amount of Rs.3790/- for which i have to sent them my entire mobile along with all its accessories, and I cannot repair!!! When i called up the customer care, for what ever queries i make, there is a guy who will simply reply "..sir your claim is approved for total loss for which you will have to sent your mobile and accessories, and you cannot repair..." . I have mailed them, but i got the same response being copy pasted. I never had such a horrible experience before !! i advice no body should fall prey for their insurance TRAP