Total cr*p. Online system just simply said they can't insure me! No explanation given. So I phoned them up. Still no explanation. Couldn't help. Just said it was an underwriting refusal, no details available as its all top secret. Never ever happened to me in my life before. What wan*ers. Suspect they are applying some non PC filtering e.g. on age, gender or race so aren't prepared to give details. Shan't be wasting my time with them ever again.