http://www.mobileprotech.com/aboutus.cfm

" Membership in the A.C.E. Program provides numerous benefits to the cellular owner and user, including the option of protecting your investment against physical loss or damage. The basic benefits available to members joining the A.C.E. Program include periodic wireless industry updates, rental car discounts, selected theme park discounts, travel assistance, equipment locator services and quarterly newsletters. All this is included with your nominal annual membership fee. "

Sounds like you might have to deal with some spam with your insurance coverage.