Previously I would have rated this company a 5 Star. However, it is not until you actually get to see them in action you can really write a true review. It is true they are cheap but then there is a reason for this. - Customer services sent me an email saying they had been trying to phone me. However, on the day in question I was home all day and no one from the company had phoned. - Customers services are extremely poor they never keep you informed or updated with progress. (not acceptable service) - I complained that they fail to obtain sufficient evidence and understanding to investigate an accident thoroughly they seemed to have a set protocol they follow. (no one from this company came back to me regarding this) - I provided these people very detailed information and not once did anyone from this company come back to me (not acceptable) - Customer services advised me they have a policy of a 50% blame for any accident on an island regardless of who was at fault . (even when it is impossible for a rear tyre to impact the front of another vehicle unless that car is traveling sideways) - I was quite horrified that they had no interest in the fact that the other driver failed to stop at the scene of an accident and I had to turn around and follow the car to get their details.