Curve Black Subscription

I’ve just tried to get a friend to sign up to Curve and they clocked the very limited amount of benefits on the Black Subscription? It no longer includes mobile phone insurance? I’ve gone to the subscription part of the app and it’s flagging as ‘Gadget Insurance’ but when you click to see ‘terms and conditions’ or the ‘IPID Document’ all it flags you is the travel insurance… so what are we now paying £9.99 a month for? All I can see is Travel Insurance and Currency Fees? I know the cash back is 3 retailers unlimited, but I probably get no more then £4 a month back (currently) for what I have as my retailers.