Apologies to anyone who read my initial review and spent any money with this company. I bought a policy based on what I had been told, thinking I had got a good deal. Turns out I had been 'misinformed' about the deal and as such meant that the deal I got was not what I wanted and a bad deal for me (deal sold by Sean MacLean). Subsequently I have had no end of trouble trying to get a refund for a situation created by this company. They do not respond to emails, the do not return calls - in spite of numerous promises that they would (Kelly is the person they refer too as dealing with things but she is never available to speak to - even when she is sitting next to them!). They make all sorts of promises when I call them but nothing happens - they have admitted they are at fault but have done nothing to rectify the situation they have created. 2+ months later they are forcing me to go to the financial ombudsman because they will not respond to my complaint. My advice and, I cannot express this strongly enough, is to look elsewhere for financial needs this company are very poor.