Without any value at all. 5 hours on the phone this week hours and on two hours chatbot (7 hours in total). What was I trying to do - discuss renewal. They claim you cannot discuss renewal during re-newal period. Joke - you cant discuss re-newal at all. You mention an official complaint two operators (African location I think judging by 15 letter first name. still hung up on me after I had both of their names) Just hang up on you. Called Admiral picked up in 30-seconds, English speaking professional, organised the policy cheaper in 6-minutes.