DO NOT GO NEAR THIS COMPANY THEY ARE SCAMMERS. If I could leave 0 I would. My policy is nearly £500 a year these were 2 straightforward small claims for about £200 in total-2x excess. in march still not sorted .3 times have sent forms and full vet history say they've not received them. Have spent over10 hours on phone to them no call backs when they say they will. They are now using every excuse not pay out . Even deducting money from cost of drugs saying was overcharged as if I know what certain drugs cost! My vet are extremly professional and well priced .Thankfully these were relatively small claims dread to think the response on a larger claim. Please use a different company. I am reporting to the financial conduct authority so hopefully their mis- practice can be stopped . Stear clear