I'd personally avoid this company I've notnhad a bad experience because inwas warned before hand...no matter what the situation there small firm building there money they will not pay out under any circumstances..if you feel the need to go with this terrible firm I would advise against.. they pay themselves well and the staff are paid peanuts. I just gotna quote it was reasonable I'm not taken them up on there offer because next year there take what they want in renewals and hope u don't notice.. terrible customer services and 4 times out of 10 the take your money and cancell your policy.. reviews are 1 star and now I know why...keep up with the 1 star focus