I would give them 0 if I could. The lack of service is shocking. I have had my washing machine insured with them for years and Sunday last it broke down. An engineer called today and after he left I got a text that I was book in for 18th of Aug to repair it!! So after all the premiums I am expected to wait 3 weeks for a repair. I spent €30 already to wash the family laundry today in a laundrette. I will need to go there again Sat. Near the price of a machine after the 3 weeks. I have respectfully spoken to 3 different agents today and no help only pass the buck to the engineer subcontracted I'm told. No.3 actually gave me a lecture on the global pandemic which I found inappropriate as a customer service response to my call. I engaged them so I could avoid this very situation and got 3 different excuses for the 3 week delay. I will not be using them again ever and from my personal experience I can only advise everyone to stay well clear.