Steer clear of this company! They put your premiums up over 100% just for phoning for advice. When they ask if you'd like to open a claim (my instance was I phoned for advice because somebody dinged my door and I was angry at the time as the person who did it couldn't even be bothered to leave a note apologising), you tell them no but they open it anyway! Yes I understand you have to make a record of my call on my account, but don't open a claim! You didn't even have the decency to write to me before renewal to advice that I had an open claim and this risked my premiums going up prior to renewal if not sorted. Absolutely dreadful!