I've never made a claim, but nor have I had any mishap in 50 years of motoring/motorcycling. Now I know that to keep costs down it's all on-line and paperless but nothing works! The customer feed-back form attached to my renewal was off-line/void/unattainable (rather like useless e-gates at airports!) and I'm told that I asked for automatic renewal. Not true... it was 'automatically done' which I do not want. There may be some way to opt out but being digitally discriminated against by virtue of age (and no interest) and having had a life not spent playing CGI games all day, and faffing with selfies on TicTok, I can find it.