Based on my previous / past experiences with the company and in particular in view of my telephone call/conversation today; if i could deduct a star or leave no stars on this review, i would. Apart from being one of the most uncooperative insurance companies i have had to engage with, I was in the unfortunate position of having to call them to discuss a serious concern today. After holding on a call waiting system (35 mins to be precise), I was put through to a member of their customer service team who was one of the most difficult CS person I have ever experienced. Not this CS team member very unhelpful, belligerent and confrontational, she was the most argumentative customer service person I have ever had the unfortunate circumstance to deal with. Shouting and challenging everything i said without offering any clear explanation of how best to resolve the matter. All this in view of their failure to make a payment in respect of my claim (causing me a great deal of financial difficulties) and the reason given was that i had failed to properly date a customer statement i returned to them (even though this statement had been signed though). I should point out that no one contacted me or made any attempts to notify/contact me for over 4 weeks that there was an issue/concern with this payment and that it would not be forth coming. Absolute silence until i called in today to understand the reasons for the non payment. Anyway, TBH i would avoid having anything to do with this company as this is not how a serious company should operate and especially not an insurance company during the current circumstances