Had a very poor start when tried to phone was put through all 4 options but no help was offered so I gave up then decided to go online to complete after doing this I received an e mail to contact to go through policy details again ----nightmare !!! after spending nearly 40 minutes and 3 calls to get hold of the person I needed to talk to I almost gave up yet again I'm sure you must be losing business !because of telephone staff handling customers is lacking no one knows which dept is required and options not covering departments required !!!!! However eventually I got through to JR 7 who was a pleasure to deal with and though a lengthy proccess I eventually got there she handled the final steps very satisfactory I am more than happy with her !!! I feel a lot of time on phone was unnecessary and probably very costly