The ratings for an insurance firm don't mean a great deal if you only include the service received when applying for insurance. What really matters is what happens after that. I got a fair price for my car insurance, but then was hit for a further £124 a few days later because they said I had classed a previous claim incorrectly. I answered the questions honestly when applying, but because the claim has not yet been settled I should have classed it as 'at fault', even though it is patently obvious that the other driver was at fault. Maybe I made the mistake, but to penalise me so much for this minor mistake should be a warning. I have requested that the issue should be reconsidered. I await a reply...