Awful… just awful!! Direct debits popping out on not the confirmed date but whenever they felt like it by looks (and they still charge you if it bounces because "its a computer error" !?!). Only contact by paper and not email or phone (even though you have to confirm these before you talk to someone!). People who answer the phones are very polite even though they only read from a screen but they do repeat themselves a lot when they haven't got the correct answer. Just had the quote for next year and Gladiator are DOUBLE the price of the post office and other quoters. Horrendous company with a out of date computer system it seems!