I dread to think of anyone in real difficulty having to cope with these peoples awful attitude and system. I contacted them recently about a small claim. Before they eventually picked up, I had to listen to several long unrelated voice messages, followed by repetitive tinny grating music. When their person came on, there was very loud electrical interference on the line constantly throughout the call, and background noise of voices laughing and shouting so loud it almost drowned out what the person was saying . The person kept cutting out and coming back on .Their attitude was not good and voice not always clear. They did not want to explain only read from a crib sheet, sometimes they got distracted and read the wrong thing and then became garbled and snappy when I asked for an explanation. Overall it was the poorest customer service I have ever experienced and was really upsetting . I feel so sorry for any person who is in a vulnerable situation having to use this claims service,