DONT BOTHER!!! WORST COMPANY FOR HOME & life insurance. Cancelled my life insurance as said I had not made payments and said they had sent me letters to let me know the premiums had not been paid! I did not receive one letter about this but they just cancelled my policy leaving me & husband with no life insurance!! It took over a year to sort it out -again many mess ups on their part which they compensated me for 3 times due to their incompetence and admitted fault. When it was all sorted 3 months later I then get the letter that out the blue they have cancelled it!!!!! Please please don't waste your time, money or life on these scum bags for any kind of insurance. Home insurance and life insurance have both been over a year of stress, money and time wasted AVOID AT ALL COSTS!!!