AVOID at all cost. I wish I had read the reviews before taking out insurance with them. They are doing everything they can to wriggle out of my insurance claim and even sent someone from their ' fraud squad' to interview me at my house and to record the interview ! He wasn't excited when I told him I was recording it too. My husband insisted on sitting in on the interview and stopped it several times because the bloke was trying to lead me to say things that weren't true ! All documents have 'criminal department' or other unnerving titles on them I'm assuming to try and put you off claiming ! Absolutely scammers and I am now having to go to court ! AVOID at all cost !