In the event that you have to make a claim my advice would be get comfy because you are going to be on the phone for at least 40 mins before you even get to speak to a person (premium rate) who undoubtedly will tell you we won't even look into your case for 2 weeks you will have to every week to be told we're waiting on a different department if yo do eventually get a settlement (mine was 5 months later) you will probably get about 1/3 of what your vehicle is worth and if you disagree with the valuation you will be told we don't change our minds once we come to an evaluation if you protect your no claims make sure you do it on the day as with me i was offered it 1 week after and suddenly they have no record of it AVOID AT ALL COST USE ANOTHER INSURANCE COMPANY ANYONE ELSE BUT NOT MCE