This insurance seems to be a very new company in the way it works. Its very hard to actually speak with a human regarding most subjects. Most things are covered by online contact which is great when it is manned and run properly. Some subjects someone will contact you via email after a few days which is just not helpful when you want an answer straight away. The app had a tendency to stop working on more than one occasion but it did provide me with many tears so seemed to be recording their end. The app is not easy to transfer over to new phones so beware. I would not recommend a phone app a black box is alot easier.