Rating reflects the problems I've experienced trying to make contact to clarify whether policies would be renewed automatically at renewal date (something I do not want). Phone contact was / is not possible and for the past 2 weeks I've not been able to use the live chat link. Link actually worked today and query answered by "NH1" who seemed to be extremely knowledgeable and emailed me a copy of the live chat transcript as it is not possible to stop auto renewal until the renewal quote is sent out when I have to make contact again to stop automatic renewal. Some people may like that system but I prefer to make an informed choice of whether to renew or not.