Please avoid to use this French, cheater insurance company, I bought a fully comprehensive car insurance policy. Back when i was adding my partner to the policy they asked me (through the broker “City Insurance”) if my partner has any points/conviction in her license, i said no as long as i know, which is what i thought it was right, my partner didn’t know either she had points in her license, the broker didn’t ask for NI nor the Driver license number to check themselves either, two months later she got in to an accident and when i called to report the accident the first thing they asked was the NI number and the Driver license for them to check themselves the driving records, then they saw there is a conviction/points not reported, all that proses took them less than 2 minutes and within those minutes they denied the claim and cancelled the policy leaving us on the air with a broken car, Covea paid the damages for the other Car involved in the accident (as we were fully insured and they didn’t have an valid excuse to give to the other insurance company), the damages in the other car was just the rear back door of an old car, my car is newer and have los of damages, the accident was caused by the other driver stoping in the middle of a 60mph road without warning and my partner hitting the other car to the its rear, getting damage the whole front end (hood, bumper, front grill, headlights, LH fender). Covea says that i did a misrepresentation when i took the policy and therefore they can cancel the policy and not repairing my vehicle. After months dealing with then and having no good results i took the issue to the ombudsman, I’m in the process of that ombudsman litigation. Covea failed to do their own due diligence by checking the records of the driver at the beginning, but they took the time to check (took them less than 2 minutes) when the claim was coming their way to find an excuse to denied it. They could have checked at the beginning and avoid this problem. We didn’t know my partner had points in her license and i gave the information to the best of my knowledge, I don’t think i did something wrong to have the claim denied for this technical issue, therefore I recommend you all to avoid use this company because they will find any excuses for them not to pay and to avoid their liabilities, Covea and City Insurance are in cahoots to cheat the public and consumers. They know better that customers don’t have up to-date the driving records, in my case I didn’t know at all. They didn’t tell Me how to check and to check in case, but they just wrote no points in the records when i was adding my partner to the policy, every other insurance company and broker do their own check, but these two companies don’t it, to use it it against the consumer in case there is a claim. I feel very mistreated by Cove and this crappy broker City Insurance that i used to get the car insurance, DO NOT USE THEM PLEASE.