Nice customer service from nl4 but the only reason I would choose this is for the cheapness of the insurance. The system of having to upload documents is a total pain - you can't send anything via email and even if you call (a long wait) you still need to upload. Website isn't easy to navigate round either and wouldn't recognise my password as valid. I use IT regularly and am not IT illiterate so would steer clear of this service if you struggle to navigate yourself around. Also the tone of letters I received was aggressive - the letters implied I was being deliberately difficult in they wanted more confirmation of my no-claims but their letter "requesting" proof stated they were cancelling because I had "fraudulently submitted information" rather then asking for more information in the first instance. Have no truck with the people who managed my phone calls who were pleasant and as helpful as their system allows them to be.